Shelby County Auto Insurance Rates, Quotes, Agents & Reviews in TN

Shelby County, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Shelby County, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Shelby County, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Shelby County, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Shelby County, TN with that of other cities in and around Shelby County.

Shelby County Collierville Germantown Lakeland Memphis Bartlett
Average Insurance Rates $1,440 $1,305 $1,322 $1,550 $1,400 $1,385

Shelby County, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Shelby County, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Shelby County $1,673 $1,413
Bartlett $1,017 $859
Memphis $1,056 $892
Germantown $1,894 $1,600
Millington $1,463 $1,235
Lakeland $1,714 $1,448
Arlington $1,325 $1,119
Collierville $1,237 $1,045

Shelby County, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Shelby County, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,673
20 Years $1,850
30 Years $1,425
40 Years $1,371
50 Years $1,270
60 Years $1,287
70 Years $1,499

Shelby County, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Shelby County, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,534 $346
3 Vehicles $3,802 $518
4 Vehicles $5,069 $691

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$518

Savings on 4 Vehicles bundle:$691


Shelby County, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Shelby County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Shelby County $1,440 $2,580
Bartlett $1,385 $2,481
Memphis $1,400 $2,508
Germantown $1,322 $2,368
Millington $1,414 $2,533
Lakeland $1,550 $2,777
Arlington $1,518 $2,719
Collierville $1,305 $2,338

Shelby County, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,235
Excellent (740-799) $1,410
Good (670-739) $1,501
Average (580-669) $1,958
Poor (300-579) $2,349

Shelby County, TN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Ron Willis State Farm 3486 Poplar Ave Ste 102, Memphis, 38111-4693 901-454-7912
Matthew Gant State Farm 5079 Park Ave, Memphis, 38117-5701 901-417-7114
Clay & Land Insurance Inc Liberty Mutual Independent 866 Ridgeway Loop Rd Ste 200, Memphis, 38120 None
Henry Hooper Ii State Farm 348 S Main St, Memphis, 38103-4208 901-575-0001
Douglas & Greer Inc Liberty Mutual Independent 5100 POPLAR AVE STE 300, MEMPHIS, 38137 901-366-4396
James Davis And Assoc None 2176 West St Ste 100, Germantown, 38138 None
Ulysses Cosby State Farm 248 S Cooper St, Memphis, 38104-4214 901-276-1044
Boshwit Brothers Mortgage Corp. None 2595 Broad Avenue, Memphis, 38112 None
Hollis & Burns Insurance Agency None 700 Colonial Road 700 Colonial Road, Memphis, 38117 None
Lia Inc Dba Lindsey Ins Agency Travelers 5100 POPLAR AVE STE 300, MEMPHIS, 38137 901-366-4396
Parker Rhett State Farm 4515 Poplar Ave Ste 416, Memphis, 38117-7508 901-680-7400

Shelby County, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,503
Driver's Failure In Showing Documents +$140 $1,580
Driving With An Expired Registration +$148 $1,588
Driving At A Considerably Slow Pace +$312 $1,752
Using A Cellphone While Driving +$330 $1,770
Running A Red Light +$336 $1,776
Speeding +$353 $1,793
Driving A Vehicle Without The Required Permission +$448 $1,888
Driving With An Expired/Suspended License +$971 $2,411

Shelby County, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,382
Active Disabling Device $1,382
Tracking Device $1,354
Passive Disabling Device $1,339