Cheap Car Insurance in Memphis, Tennessee

Want to know more about Memphis and how to get cheap car insurance? Well, a cultural hotspot at the southwest corner of Tennessee, Memphis draws thousands of visitors to landmarks such as Graceland and Sun Studio and events such as the Beale Street Music Festival. The land of blues and barbecue is the largest city located on the Mississippi River, with an estimated population of 653,450 in 2013.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Memphis, TN. Let us compare car insurance quotes for you now!

Driving conditions in Memphis

The website,, displays real-time information on accidents, construction and weather-related delays. These include live streaming cameras and message boards in Memphis. Information is also dispersed through the Tennessee Department of Transportation's Twitter account. Drivers can also access road and traveling conditions by calling 511, an automated voice response system through which callers can ask for specific roadways or regions.

Unique laws in Memphis

Tennessee laws forbid anyone to stand on the roadway to solicit either a ride or employment from drivers. Also, if your car’s sound system can be heard 50 feet away, it is considered excessive noise. Shooting at game from your car also is illegal.

Memphis crime statistics

Memphis has the dubious honor of being listed on a number of “most dangerous city rankings,” with chances of being victim of a violent crime being one in 57 – compared to the statewide average of one in 163, according to data complied by The Memphis metro area was ranked No. 82 on the National Insurance Crime Bureau’s most recent list of 100 U.S. cities with the highest vehicle theft rates, with a rate of 260.91 incidents per 100,000 people.

Memphis safety requirements

According to Tennessee state laws, texting while driving is illegal and drivers and passengers must wear seat belts. Motorcyclists and their passengers must wear helmets that meet federal safety standards. Approved car seats are required for children up to age 3, and booster systems are required for those 4 to 8 years old who are under 4 feet, 9 inches tall.

Memphis impaired driving laws

Drivers over 21 with a blood or breath alcohol content of .08 are higher can be charged with driving under the influence, as can those under 21 with a .02 result. First-time offenders are subject to a $350 minimum fine and 48 hours in jail, plus paying for towing and storage. Charges are enhanced if the driver's BAC is higher than the legal limit or if children in the car at the time of arrest.


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Car Insurance Memphis, Tennessee Agents

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  • Kellett Insurance Agency


    Gary Kellett
    Memphis car insurance agency -top agent in memphis tn since 1995. Fast auto insurance quotes here in memphis tn - call now & get approved! 901-685-3008

    4608 Quince Rd
    Memphis, TN 38117
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    The Best People to ever deal with as far as insurance is concerned. They are fair and out going people. Would recommend them to people that I know.

  • Heath Johnson - State Farm Insurance Agent


    Heath Johnson
    Offering free auto insurance quotes to the memphis, tn area. Located in the bartlett, cordova area off i-40. We have a dedicated service team.

    What makes your specific agency stand out from your competition?
    Focusing on auto insurance in the memphis, tn area. Located 10 minutes from arlington and lakeland, come on in or give us a call for a free auto insurance quote!

    • Free Auto Insurance Quote

    • Property Insurance

    • TN-2319458

    2657 Appling Rd #101
    Memphis, TN 38133
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  • Autoplan Insurance


    Autoplan Insurance
    Autoplan has been in business since 1951 helping mid-south drivers buy affordable hassle free auto insurance!!(we also 14 other local offices near you!)

    What makes your specific agency stand out from your competition?
    Call 946-1000 for a free anonymous price quote! Click on www.Getautoplan.Com for a 2 minute price quote!! It won't cost you a dime and may save you hundreds!! "call the man from autoplan"

    • Multi Car Discount

      Transfer Discount

      Homeowner Discount

      Good Driver Discount

    • Property And Casualty

    • 0303063

    2207 S. Third St.
    Memphis, TN 38109
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  • Burkle Insurance Services


    5160 Sanderlin Ave Ste 4
    Memphis, TN 38117
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    great agency! highly recommended

  • Hollis & Burns


    5170 Sanderlin Ave Ste 101
    Memphis, TN 38117
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    Very prompt service and extremely nice. I would highly recommend to my friends and other Memphians. They took care of my needs for my business along with my personal insurance. A very nice central location in memphis. They have a more personable feel then many agencies I have worked with. Once again I would highly recommend.

    horrible service & staff is obviously clueless.

  • Joseph Alexander


    5909 Shelby Oaks Dr Ste 230
    Memphis, TN 38134
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    This agent had a Robo Calling machine call me at 10:00 pm after I was in bed asleep. This is a CHEESY tactic and bad timing in my opinion. Any one that will resort to this and has that little regard for others will NOT handle any of my insurance needs!

    I suggest you think twice before dealing with him as well. If he will do this type of impersonal and rude marketing for his sole gain. Will he really look out for his customers best interests.... OR just his own interest?

    I gave him one star just to show I did not forget to mark the stars. I feel He deserves ZERO stars.

  • Kathy Thurmond-edwards


    680 W Brookhaven Cir
    Memphis, TN 38117
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    State Farm agent Kathy Thurmond-Edwards is definitely professional in her field and the work she does with her customers. It is clear that she understands the value of professionalism in a business setting and that is appreciated.

    If I had to rate Kathy Thurmond-Edwards out of five, I would give her a six. She's outstanding!

  • Ron Willis


    3486 Poplar Ave Ste 102
    Memphis, TN 38111
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    I've been a client for several years now and I want to be the first to say that this State Farm branch has a more family approach. They make you feel like your a family member instead just another client. Once I made the move to Ron Willis's branch I felt like I was in capabable hands. If you're wanting an insurance company that recognizes you by name and handles your particular concerns with a personal approach then this is the Insurance group for you.

    I've been a client for several years now and I want to be the first to say that this State Farm branch has a more family approach. They make you feel like your a family member instead just another client. Once I made the move to Ron Willis's branch I felt like I was in capabable hands. If you're wanting an insurance company that recognizes you by name and handles your particular concerns with a personal approach then this is the Insurance group for you.

  • Ruby Williams


    3616 Austin Peay Hwy Ste 7
    Memphis, TN 38128
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    Please go to ANY other agency. These people are a joke. State Farm is great but this office is the most unprofessional group of women. I called over a dozen times or the course of a month. i had to leave a voicemail all but the last two times. That is 10 voicemails that were never returned & one message directly to the office staff. When I FINALLY spoke to an agent, she was rude & once they faxed what I requested, they sent everything except what I needed. If you are a fan of paying for a service that you are likely to never receive, this is the agency for you.

  • Ulysses Cosby


    248 S Cooper St
    Memphis, TN 38104
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    this insurance company was right on time. They were helpful and gave me the information over the phone before I got to the office I knew exactly what to expect

  • Vinzant Insurance Services


    4466 Elvis Presley Blvd
    Memphis, TN 38116
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    I found the service was fast and simple. People were ready to help like you were family.

  • Aaa Insurance
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  • Charles Burton
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  • Corey Jones
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  • Cynthia E Scales - Hill
  • Damon Boiles
  • Dan Crawford
  • Daniel Garcia
  • Danny Smith
  • Dave Dermon Insurance Agency
  • David E Whitehead
  • David Himelright
  • David Little
  • Deborah Clinton
  • Deloris Burrow
  • Denise Perino
  • Denmarc & Associates Insurance
  • Dennis A Craig
  • Dianne Cox
  • Dixon Risk Management
  • Don Rogers
  • Douglas & Greer
  • Earl Leake
  • Eddie Truett
  • Edward S Patterson Insurance Agency
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  • Eric Berry Agency
  • Eric Goodrich
  • Eric Goodrich
  • Erin Mcdonald
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  • Farmers Insurance Group
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  • Janice L Blakely
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  • Jim Dupree
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  • Joseph Woodfork Jr
  • Kacky Kortenber
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  • Lannie C Avery
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  • Leslie Martin Forrester
  • Lindsey Insurance Agency
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  • Marc Hoeksema
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  • Marshall Insurance Agency
  • Martin/cec Insurance Agency
  • Matthew Tolleson
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  • Mcelroy Insurance Agency
  • Memphis Insurance Group
  • Memphis Professional Insurance Agency
  • Menard, Gates & Mathis
  • Michael Bates
  • Michael Curry
  • Michael Duel
  • Michael W Trippett
  • Micheal Bailey
  • Mid-south Insurance Office
  • Mike Fay
  • Mike Morat Insurance Service
  • Mildred's Insurance Agency
  • Miller Loosier
  • Misty Rosser-white
  • Morat Insurance Services
  • Myron Thomas
  • Naomi Johnson
  • Nedia M Brassell
  • Ocie C Pleasant
  • Oscar Sueing
  • Paramount Financial
  • Paul A Watson
  • Paul Hachey
  • Peden Insurance Service
  • Pete Mitchell & Associates
  • Phil Mcillwain
  • Phoenix Insurance Group
  • Pitts Boyd Insurance
  • Preston Carpenter
  • Quote & Policy Com
  • Ratliff Insurance Agency
  • Ray Mattingly
  • Realis Sanders
  • Reg Sharley
  • Regions Insurance
  • Regions Insurance Of Tennessee
  • Regions Insurance Of Tennessee
  • Reid Jones
  • Rick Osborn
  • Rickey Jeans
  • River City Insurance Agency
  • Roland Wills
  • Romeo E Elliott
  • Romeo Elliott
  • Ronnie L Jones
  • San Davis Fitchpatrick
  • Sandra Hahs
  • Sandy Baker
  • Sharon Hugghis
  • Sharon Wilson
  • Shawn Wilkins
  • Shelby County Farm Bureau
  • Shelby County Farm Bureau
  • Shelley Jones
  • Skip Bridgeforth Insurance Agency
  • Smith Berclair Insurance
  • Smith-berclair Insurance
  • Snc Trust
  • Sneed Robinson & Gerber
  • Stacey D Collins
  • State Insurance Agency
  • Stephanie Soto
  • Steve Mcmillian
  • Steve Womack
  • Swaffer & Associates Insurance Agency
  • Swaffer & Associates Insurance Agency
  • Sylvia Walker
  • Tate Insurance Agency
  • Tawauna Palmer
  • The Associated Age
  • The James Agency
  • The Lamar Agency
  • Thomas Church Insurance
  • Thomas Durham
  • Tish Sanford & Associates
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  • Tom Thornton
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  • Tyrone Hubbard
  • Usi Insurance Services
  • Uthe Financial Services
  • Veora Harris
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  • Wei John Wang Agency
  • Wendell Payton
  • Willie E Martin
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  • Carrie Walcott
  • Georgia Drager
  • Garry Mccamish
  • Susan Blalock
  • Roger Jarred
  • Dawn Kreinbrink
  • Penny Rhorer
  • Deanna Hussar
  • Gary Melin
  • Kristian Deur
  • Rom Delconte
  • Marianne Kochersperger
  • Ashley Montoro
  • Grace Hearon
  • Brett Linde
  • William Mcnish
  • Karl Urry
  • Franklin Rondo
  • Timothy Olley
  • Holly Lochmann
  • Cassie Mciver
  • Johnnie Grimmett
  • Darrell Eiland
  • Lorraine Mannina
  • Julie Baerwald
  • Rayan Heney
  • Jon Jurek
  • Luke Obanner
  • Roberto Wirts
  • Brad Hinz
  • Ray Vanderslice
  • Sherrie Fash
  • Adrien Delgardo
  • Alison Hartell
  • Richard Caba
  • Christine Goller
  • Brad Moranville
  • Perry Krall
  • Dana Coatsworth
  • Linda Scarpato
  • Tricia Tassy
  • Neil Dehlinger
  • Floyd Hinkel
  • Shane Kole
  • Dorothy Frawley
  • Yolanda Keup
  • Jo Lucido
  • Brandon Voyles
  • Tanya Macke
  • Cameron Fertig
  • Gilbert Gracey
  • Willard Sunde
  • Larry Dewey
  • Daviel Fingar
  • Allison Trocchio
  • Rita Sayler
  • Bernard Tellinghuisen
  • Howard Sammons
  • Elaine Spiekerman
  • Larry Mackinnon
  • Wayne Soine
  • Edgar Hysong
  • Charlene Clairmont
  • Samuel Luginbill
  • Devin Teti
  • Sheila Ellerby
  • Janice Hertel
  • Kathy Palmere
  • Yandel Bisesi
  • Anthony Randlett
  • Roxanne Sampley
  • Jaime Willman
  • Kimberly Seddon
  • Leah Randel
  • Josephine Wickel
  • Weirong Damien
  • Paula Gochenour
  • Leroy Boice
  • Nikolai Deabreu
  • Victor Rinkenberger
  • Tracie Faurot
  • Janis Ghee
  • Guy Poli
  • Kathleen Cannistraci
  • Lyle Keely
  • Lucy Sandstrom
  • Carmen Ayotte

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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