Cheap Car Insurance in Memphis, TN (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Memphis, TN (October 2025)

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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
$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
Last Updated October 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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
$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
Last Updated October 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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
$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
Last Updated October 2025

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
$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
Last Updated October 2025

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
$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
Last Updated October 2025

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
$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
Last Updated October 2025

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
<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
Last Updated October 2025

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 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
Last Updated October 2025

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
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
Last Updated October 2025

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.

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Our experts
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Xuyun Zeng

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.

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Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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