Memphis drivers have plenty of reasons to look for a solid car insurance policy. Busy roads like Interstate 240 and Poplar Avenue are often congested during rush hour, potholes and uneven pavement on local roads raise the risk of accidents, and late-night driving often involves sharing the road with pedestrians and tourists in this vibrant city.
To help you shop for affordable coverage, we’ve collected real policy quotes from Jerry customers in Memphis that show how your premium can vary based on your driving record, age, location and the type of coverage you need.
More: Get cheap car insurance the smart way, today
Cheapest minimum coverage insurance in Memphis
Tennessee requires drivers to have:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
These are the cheapest quotes for minimum coverage that Memphis drivers received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $23 | $278 | Progressive | 41 | 06/19/25 | Memphis, TN | 38116 |
| $29 | $346 | Progressive | 38 | 06/15/25 | Memphis, TN | 38016 |
| $32 | $378 | Geico | 54 | 08/31/25 | Memphis, TN | 38125 |
| $32 | $388 | Progressive | 38 | 05/26/25 | Memphis, TN | 38103 |
| $34 | $412 | Assurance America | 59 | 07/27/25 | Memphis, TN | 38125 |
| $37 | $440 | Progressive | 41 | 06/19/25 | Memphis, TN | 38135 |
| $37 | $442 | Geico | 56 | 08/21/25 | Memphis, TN | 38018 |
| $38 | $452 | Electric | 39 | 06/16/25 | Memphis, TN | 38135 |
| $41 | $494 | Progressive | 60 | 05/01/25 | Memphis, TN | 38111 |
| $42 | $504 | Progressive | 37 | 09/30/25 | Memphis, TN | 38104 |
If you have a loan or lease on your vehicle, the lender will require
More: Best car insurance companies
Cheapest full coverage insurance in Memphis
Full coverage includes collision insurance and comprehensive insurance. Collision pays to repair your vehicle after an accident, regardless of who is at fault, while comprehensive helps cover the damages caused by non-collision events such as weather hazards, animal collisions, or theft.
These are the cheapest full coverage quotes that Jerry customers have received in Memphis.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $49 | $592 | Progressive | 41 | 06/19/25 | Memphis, TN | 38116 |
| $66 | $792 | Progressive | 44 | 06/26/25 | Memphis, TN | 38119 |
| $66 | $796 | Progressive | 35 | 09/22/25 | Memphis, TN | 38134 |
| $70 | $834 | Liberty Mutual | 45 | 10/02/25 | Memphis, TN | 38141 |
| $71 | $854 | Progressive | 59 | 09/20/25 | Memphis, TN | 38109 |
| $76 | $916 | Progressive | 28 | 09/04/25 | Memphis, TN | 38125 |
| $78 | $934 | National General | 36 | 07/17/25 | Memphis, TN | 38125 |
| $78 | $934 | Assurance America | 68 | 10/09/25 | Memphis, TN | 38104 |
| $81 | $968 | National General | 40 | 06/17/25 | Memphis, TN | 38134 |
| $85 | $1,016 | Electric | 65 | 06/18/25 | Memphis, TN | 38111 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance in Tennessee
Cheapest car insurance for young drivers in Memphis (18-29 years old)
Young drivers are often quoted higher premiums than seniors because insurers sometimes view their lack of experience as a risk. It's wise to compare quotes from multiple insurance companies to find the most affordable rate.
Here are real quotes that young Jerry customers in Memphis have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $58 | $694 | Assurance America | 27 | No | 09/25/25 | Memphis, TN | 38111 |
| $71 | $850 | National General | 27 | No | 10/07/25 | Memphis, TN | 38111 |
| $74 | $888 | Trexis | 29 | No | 09/04/25 | Memphis, TN | 38116 |
| $82 | $978 | Geico | 25 | No | 07/23/25 | Memphis, TN | 38128 |
| $82 | $980 | Progressive | 27 | No | 09/28/25 | Memphis, TN | 38119 |
| $76 | $916 | Progressive | 28 | 09/04/25 | Memphis, TN | 38125 | |
| $78 | $934 | National General | 36 | 07/17/25 | Memphis, TN | 38125 | |
| $78 | $934 | Assurance America | 68 | 10/09/25 | Memphis, TN | 38104 | |
| $81 | $968 | National General | 40 | 06/17/25 | Memphis, TN | 38134 | |
| $85 | $1,016 | Electric | 65 | 06/18/25 | Memphis, TN | 38111 |
More: Cheapest car insurance in Tennessee
Cheapest car insurance for mature drivers in Memphis (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $29 | $346 | Progressive | 38 | No | 06/15/25 | Memphis, TN | 38016 |
| $38 | $452 | Electric | 39 | No | 06/16/25 | Memphis, TN | 38135 |
| $43 | $512 | Trexis | 53 | No | 09/25/25 | Memphis, TN | 38112 |
| $43 | $516 | Progressive | 38 | No | 06/15/25 | Memphis, TN | 38106 |
| $46 | $552 | Assurance America | 51 | No | 08/05/25 | Memphis, TN | 38111 |
| $76 | $916 | Progressive | 28 | 09/04/25 | Memphis, TN | 38125 | |
| $78 | $934 | National General | 36 | 07/17/25 | Memphis, TN | 38125 | |
| $78 | $934 | Assurance America | 68 | 10/09/25 | Memphis, TN | 38104 | |
| $81 | $968 | National General | 40 | 06/17/25 | Memphis, TN | 38134 | |
| $85 | $1,016 | Electric | 65 | 06/18/25 | Memphis, TN | 38111 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $412 | Assurance America | 59 | No | 07/27/25 | Memphis, TN | 38125 |
| $37 | $442 | Geico | 56 | No | 08/21/25 | Memphis, TN | 38018 |
| $41 | $494 | Progressive | 60 | No | 05/01/25 | Memphis, TN | 38111 |
| $43 | $514 | Progressive | 61 | No | 10/04/25 | Memphis, TN | 38125 |
| $52 | $620 | Electric | 57 | No | 09/25/25 | Memphis, TN | 38111 |
| $76 | $916 | Progressive | 28 | 09/04/25 | Memphis, TN | 38125 | |
| $78 | $934 | National General | 36 | 07/17/25 | Memphis, TN | 38125 | |
| $78 | $934 | Assurance America | 68 | 10/09/25 | Memphis, TN | 38104 | |
| $81 | $968 | National General | 40 | 06/17/25 | Memphis, TN | 38134 | |
| $85 | $1,016 | Electric | 65 | 06/18/25 | Memphis, TN | 38111 |
Cheapest car insurance for drivers with clean records in Memphis
A clean record is one way to help ensure you're getting the most affordable quotes possible. Here are some of the cheapest car insurance quotes that drivers with spotless records have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $29 | $346 | Progressive | 38 | 06/15/25 | No | Memphis, TN | 38016 |
| $34 | $412 | Assurance America | 59 | 07/27/25 | No | Memphis, TN | 38125 |
| $37 | $442 | Geico | 56 | 08/21/25 | No | Memphis, TN | 38018 |
| $38 | $452 | Electric | 39 | 06/16/25 | No | Memphis, TN | 38135 |
| $41 | $494 | Progressive | 60 | 05/01/25 | No | Memphis, TN | 38111 |
| $43 | $512 | Trexis | 53 | 09/25/25 | No | Memphis, TN | 38112 |
| $43 | $514 | Progressive | 61 | 10/04/25 | No | Memphis, TN | 38125 |
| $43 | $516 | Progressive | 38 | 06/15/25 | No | Memphis, TN | 38106 |
| $46 | $552 | Assurance America | 51 | 08/05/25 | No | Memphis, TN | 38111 |
| $47 | $562 | Progressive | 49 | 09/25/25 | No | Memphis, TN | 38127 |
Cheapest car insurance for drivers with low credit scores in Memphis
Drivers with low credit scores are likely to pay higher premiums than those with good credit. This means you may have to do extra comparison shopping to get a good rate. Here are some of the cheapest insurance quotes Memphis drivers with scores below 550 received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $43 | $511 | Progressive | 59 | 09/25/25 | Memphis, TN | 38125 |
| <550 | $52 | $620 | Progressive | 37 | 08/13/25 | Memphis, TN | 38122 |
| <550 | $55 | $658 | Assurance America | 29 | 09/07/25 | Memphis, TN | 38109 |
| <550 | $61 | $731 | Trexis | 53 | 10/04/25 | Memphis, TN | 38127 |
| <550 | $63 | $756 | Trexis | 57 | 03/15/25 | Memphis, TN | 38128 |
| $43 | $512 | Trexis | 53 | Memphis, TN | 38112 | ||
| $43 | $514 | Progressive | 61 | Memphis, TN | 38125 | ||
| $43 | $516 | Progressive | 38 | Memphis, TN | 38106 | ||
| $46 | $552 | Assurance America | 51 | Memphis, TN | 38111 | ||
| $47 | $562 | Progressive | 49 | Memphis, TN | 38127 |
Cheapest car insurance for drivers with at-fault accidents in Memphis
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $56 | $676 | Progressive | 60 | No | 01/05/25 | Memphis, TN | 38125 |
| At Fault With No Injury | $58 | $691 | Assurance America | 61 | No | 09/28/25 | Memphis, TN | 38108 |
| At Fault With No Injury | $59 | $706 | Bristol West | 49 | No | 05/22/25 | Memphis, TN | 38125 |
| At Fault With No Injury | $63 | $756 | Trexis | 57 | No | 03/15/25 | Memphis, TN | 38128 |
| At Fault With No Injury | $63 | $760 | Trexis | 41 | No | 02/04/25 | Memphis, TN | 38112 |
| $43 | $512 | Trexis | 53 | No | Memphis, TN | 38112 | ||
| $43 | $514 | Progressive | 61 | No | Memphis, TN | 38125 | ||
| $43 | $516 | Progressive | 38 | No | Memphis, TN | 38106 | ||
| $46 | $552 | Assurance America | 51 | No | Memphis, TN | 38111 | ||
| $47 | $562 | Progressive | 49 | No | Memphis, TN | 38127 |
Cheapest car insurance for drivers with speeding tickets in Memphis
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $63 | $756 | Progressive | 40 | 10/01/25 | Memphis, TN | 38141 |
| Speeding under 15 | $68 | $820 | National General | 42 | 09/28/25 | Memphis, TN | 38122 |
| Speeding over 15 | $71 | $856 | Progressive | 26 | 06/19/25 | Memphis, TN | 38117 |
| Speeding over 15 | $74 | $886 | Trexis | 52 | 08/12/25 | Memphis, TN | 38109 |
| Speeding over 15 | $77 | $926 | Bristol West | 52 | 04/19/25 | Memphis, TN | 38115 |
| $43 | $512 | Trexis | 53 | 09/25/25 | Memphis, TN | 38112 | |
| $43 | $514 | Progressive | 61 | 10/04/25 | Memphis, TN | 38125 | |
| $43 | $516 | Progressive | 38 | 06/15/25 | Memphis, TN | 38106 | |
| $46 | $552 | Assurance America | 51 | 08/05/25 | Memphis, TN | 38111 | |
| $47 | $562 | Progressive | 49 | 09/25/25 | Memphis, TN | 38127 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
