Best Cheap Auto Insurance in Memphis, TX (2021)

The average Memphis, TX auto insurance rates are $322 per month. The minimum auto insurance in Memphis is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Memphis, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Memphis, TX for senior drivers are $2,373 per year
  • The cheapest auto insurance company in Memphis is USAA
  • The minimum auto insurance required in Memphis, Texas is 30/60/25

Memphis, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Memphis can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Memphis, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Memphis to other Texas cities, including Austin auto insurance rates, El Paso auto insurance rates, and Fort Worth auto insurance rates to see how Memphis, Texas auto insurance rates stack up.

Before you buy Memphis, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Memphis, Texas auto insurance quotes.

Minimum Auto Insurance in Memphis, Texas

Memphis, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Memphis, Texas.

Minimum Required Auto Insurance Coverage in Memphis, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Memphis, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Memphis, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Memphis, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,514 $3,571 $3,472 $3,472 $8,992 $10,944 $4,375 $4,605
American Family $3,670 $4,011 $3,125 $3,524 $7,863 $10,463 $4,935 $5,611
GEICO $2,431 $2,557 $2,218 $2,410 $5,015 $5,280 $2,634 $2,696
Nationwide $2,341 $2,391 $2,064 $2,196 $6,476 $8,367 $2,732 $2,967
Progressive $2,522 $2,446 $2,208 $2,270 $9,680 $10,805 $3,014 $3,100
State Farm $1,875 $1,875 $1,652 $1,652 $4,220 $5,331 $2,020 $2,088
USAA $1,558 $1,606 $1,464 $1,501 $3,909 $4,372 $2,090 $2,325

Cheap Memphis, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Memphis, Texas is a challenge. Take a look at the annual teen auto insurance rates in Memphis, Texas.

Annual Auto Insurance Rates for Teen Drivers in Memphis, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,992 $10,944
American Family $7,863 $10,463
GEICO $5,015 $5,280
Nationwide $6,476 $8,367
Progressive $9,680 $10,805
State Farm $4,220 $5,331
USAA $3,909 $4,372

Cheap Memphis, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Memphis, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Memphis, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,472 $3,472
American Family $3,125 $3,524
GEICO $2,218 $2,410
Nationwide $2,064 $2,196
Progressive $2,208 $2,270
State Farm $1,652 $1,652
USAA $1,464 $1,501

Cheap Memphis, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Memphis, Texas compared to the annual auto insurance rates with a clean record in Memphis, Texas.

Annual Memphis, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,253 $6,352 $6,615 $4,253
American Family $4,966 $6,210 $5,460 $4,966
GEICO $2,678 $3,442 $3,023 $3,477
Nationwide $3,194 $3,194 $4,763 $3,616
Progressive $3,938 $5,008 $4,617 $4,461
State Farm $2,329 $2,634 $3,064 $2,329
USAA $1,787 $2,568 $3,006 $2,051

Cheap Memphis, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Memphis, Texas is not easy. Compare the annual rates for DUI auto insurance in Memphis, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Memphis, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,615
American Family $5,460
GEICO $3,023
Nationwide $4,763
Progressive $4,617
State Farm $3,064
USAA $3,006

Cheap Memphis, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Memphis, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Memphis, Texas

Insurance Company Poor Fair Good
Allstate $6,832 $5,001 $4,272
American Family $7,694 $4,558 $3,949
GEICO $4,866 $2,758 $1,842
Nationwide $4,439 $3,548 $3,088
Progressive $5,136 $4,364 $4,017
State Farm $3,673 $2,280 $1,814
USAA $3,528 $1,968 $1,564

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Cheap Memphis, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Memphis, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Memphis, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Memphis, Texas

ZIP Code Average Annual Rates
79245 $5,497

Cheap Memphis, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Memphis, Texas auto insurance. Find the cheapest annual Memphis, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Memphis, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,248 $5,488
American Family $5,400 $5,400
GEICO $3,086 $3,224
Nationwide $3,692 $3,692
Progressive $4,506 $4,506
State Farm $2,589 $2,589
USAA $2,322 $2,384

Cheap Memphis, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Memphis, Texas? Check out the comparison of annual Memphis, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Memphis, Texas

Insurance Company Low Medium High
Allstate $5,284 $5,337 $5,484
American Family $5,162 $5,278 $5,760
GEICO $3,058 $3,136 $3,271
Nationwide $4,001 $3,530 $3,544
Progressive $4,340 $4,489 $4,689
State Farm $2,473 $2,582 $2,712
USAA $2,300 $2,347 $2,412

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Best By Category: Cheapest Auto Insurance in Memphis, Texas

Compare the cheapest auto insurance companies in Memphis, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Memphis, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Memphis, Texas Auto Insurance Companies

What auto insurance companies in Memphis, Texas are the cheapest? Compare the top Memphis, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Memphis, Texas

Insurance Company Average Annual Rates
Allstate $5,368
American Family $5,400
GEICO $3,155
Nationwide $3,692
Progressive $4,506
State Farm $2,589
USAA $2,353

What affects auto insurance rates in Memphis, Texas?

There are a lot of reasons why auto insurance rates in Memphis, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Memphis, Texas. Many local factors may affect your Memphis auto insurance rates.

Memphis Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Memphis, Texas auto theft statistics, there have been 5 auto thefts in the city.

Memphis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Memphis, Texas commute length is 16.5 minutes according to City-Data.

Memphis Traffic

How does Memphis, Texas rank for traffic? According to Inrix Memphis, Texas is the 626th most congested worldwide.

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Compare Memphis, Texas Auto Insurance Quotes

Before you buy Memphis, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Memphis, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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