Memphis, TN Car Insurance

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The average Memphis resident's annual cost of car premium coverage


Our customer's average savings after comparing insurance


That's equal to 276 slices of pizza or $689 in savings

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Whether you live in Memphis, Bartlett, Collierville, Germantown, Lakeland or somewhere else in Shelby County, Insurox offers choices for car insurance that could help you save hundreds of dollars a year.

Why spending 15 or even 7 ½ minutes online and receive only one quote and not get the best offer?

For the same time you can get over ten car insurance quotes and COMPARE side-by-side, all in a matter of minutes and then buy and manage your insurance policies online.

We don’t work for the insurance company! We work for you! Our job is to shop for you and find the best solution for you.

As a proud member of the Tennessee community, we offer discounts to members of various college alumni groups, employers and associations across the state.

They say no road is long with good company. 202,185 miles of road across the Volunteer State is pretty long so you better find a good insurance company.
Let us help you make the best choice for your car insurance.

Memphis, Tennessee Car Insurance Coverage Information

In Memphis, Tennessee you are legally required to have these minimum coverages:


Bodily Injury $25,000 per person
Bodily Injury $50,000 per accident
Property Damage $15,000 per accident

Liability coverage is legally required in Tennessee and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In Tennessee, the minimum coverage is listed as 25/50/15 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Most people opt for higher amounts of auto insurance coverage than the Tennessee minimum in order to protect themselves in case of an accident.

Did you know this about the Volunteer State?

Tennessee is ranked #6 in the US for uninsured drivers
There were more National Guard soldiers deployed from the state for the Gulf War effort than any other state.
You can use digital insurance cards in Tennessee
Tennessee ties with Missouri as the most neighborly state in the union. It is bordered by 8 states.
Licensed drivers
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