Seguro para autos de Tennessee

tennessee car insurance
Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

Auto Insurance in Tennessee

There’s so much to admire as you drive through Tennessee. From the Great Smoky Mountains to the countless tourist attractions throughout the state, we can help keep you protected behind the wheel with Tennessee car insurance. El documento AARP® Auto Insurance Program from The Hartford1 has been protecting Tennessee AARP members and their families with Tennessee car insurance since 1984 and has earned a reputation for integrity and trust. 
 
Music, history and natural beauty can be found in every corner of The Volunteer State. No matter where you’re traveling, the AARP Auto Insurance Program from The Hartford will keep you secure as you drive along Tennessee’s roadways.
 

What Are the Car Insurance Requirements in Tennessee?

Tennessee state law requires liability insurance at the following state minimum limits:2
 

Tennessee Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 23.7% of drivers in Tennessee are uninsured. This is above the national average of 12.6%.3 Being involved in an accident with an underinsured or uninsured motorist could be financially devastating, even if you practice safe driving habits. Tennessee does not require drivers to carry this coverage, but The Hartford offers this valuable benefit to give you peace of mind. It is recommended so that drivers will not have the burden of financial responsibility even if they are in any not at-fault accidents.
 

Additional Tennessee Car Insurance Benefits and Coverages Available

For added protection, drivers in Tennessee may also be eligible for the following benefits and coverages when they carry Tennessee car insurance through the AARP Auto Insurance Program from The Hartford:
 

How Much Is Car Insurance Per Month in Tennessee?

The average auto insurance cost for drivers in Tennessee was $864 per year in 2019.4 Tennessee drivers paid less in insurance premiums than the national average, which was $1,070 in that same year.
 

Car Insurance Benefits Offered to Tennessee Drivers

Tennessee drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
 
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • Servicio de reclamaciones 24/7

Digital Proof of Car Insurance in Tennessee

Tennessee law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident.
 
If you’re a licensed driver in the state of Tennessee, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Tennessee is also among several states that now accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Staying Safe on Tennessee Roads

As you travel through Tennessee, there are a number of safe driving laws meant to protect you on Tennessee’s highways and byways. Here are just a few you can follow to keep a clean driving record:5
 

Tennessee Seat Belt Laws:

Tennessee is one of 34 states that have a primary seat belt law – which means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
 

Tennessee Distracted Driving Laws:

Tennessee has a number of laws in place to discourage distracted driving:
 
  • New and young drivers in Tennessee are not allowed to use hand-held cell phones.
  • Texting while driving is banned in the State of Tennessee.

Tennessee Teen Driver Laws:

Getting a driver’s license is a rite of passage for teenagers, and Tennessee wants to be sure they stay safe in the process. Tennessee has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 

Get Free Car Insurance Quotes in Tennessee From The Hartford

Whether you’re looking for the minimum required liability coverage or full coverage car insurance in Tennessee, we know you have several car insurance companies to choose from. That’s why we make it easy to get a quote. Llámenos al 888-413-8970obtener una cotización online in just a few minutes. We have many insurance options and can help you decide how to get the best car insurance coverage in Tennessee for your needs.
 
 
Última actualización: 7 de julio de 2022
 
2 Tennessee Department of Revenue, “Why You Should Have Auto Insurance”
 
3 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
 
4 Insurance Information Institute, “Facts + Statistics: Auto insurance”
 
5 Governors Highway Safety Association, “States”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
 
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.