How a speeding ticket impacts your insurance in Tennessee

1
jared-m/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

Driving over the posted speed limit might result in a speeding ticket if you get caught. Tennessee drivers who get pulled over for speeding face a number of consequences, one of which is a more expensive car insurance rate. Tennessee drivers should understand how speeding tickets can affect their car insurance rates and what other penalties they might face.

How much is a speeding ticket in Tennessee?

The average cost of a speeding ticket in Tennessee is anywhere between $40-$150. The faster a driver is going over the speed limit, the more expensive the ticket will be. Additionally, Tennessee uses a points system, so when drivers get pulled over for speeding, they will receive one to eight points on their motor vehicle record.

If a driver collects 12 or more points during one year, they could have their driver’s license suspended. For young drivers, the laws are more strict. Drivers under 18 years old who receive six or more points during a 12 months could have their driving privileges revoked.

How much does a speeding ticket increase your car insurance in Tennessee?

Getting a speeding ticket in Tennessee impacts car insurance rates. However, the driver’s age and gender has a direct impact on their rate, and the percentage increases. In the table below, you can see the average rates before and after a speeding ticket in Tennessee for 40-year-old drivers:

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old male $1,340 $1,603 20%
40-year-old female $1,336 $1,575 18%

Based on the data from Quadrant Information Services, 40-year-old drivers typically face premium increases of around 19% from a single speeding ticket. Additionally, male drivers pay higher rates than females, according to Bankrate’s analysis.

How to lower your car insurance after a speeding ticket in Tennessee

Unfortunately, there is not much that a driver can do to prevent a speeding ticket from impacting their auto premiums. Even after a single speeding ticket, insurance companies will usually raise a driver’s rate to compensate for the increased risk. Fortunately, there are a number of things that drivers can do to lower their premiums after a speeding ticket.

Get quotes from other car insurance companies

If you are unhappy with your car insurance premium after a speeding ticket, shop around for new quotes. One of the most effective ways to find a lower car insurance rate is obtaining quotes and switching carriers. In the table below, you can see the average rates before and after a speeding ticket from some of the best car insurance companies in Tennessee:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $1,777 $2,100 18%
Celina $1,422 $1,630 15%
Chubb $1,808 $1,924 6%
Geico $992 $1,030 4%
Grange $966 $1,441 49%
Nationwide $1,219 $1,706 40%
Progressive $1,287 $1,789 39%
Safe Auto $1,672 $2,498 49%
Travelers $1,052 $1,532 46%
USAA $1,116 $1,202 8%

*Premiums are average annual full coverage premiums for 40-year-olds

As you can see, the average rate increase after a speeding ticket varies between carriers. However, keep in mind that a cheaper company might not be the best provider for your coverage needs. When shopping for a new insurance company, make sure to look into things like customer reviews and coverage options.

Take advantage of discounts

Most car insurance companies offer discounts that can help drivers save money on their policy. Many auto insurers offer unique discounts, but some of the most common ones include savings for insuring a new vehicle, being a good student, paying your premium in full and enrolling in automatic payments.

Bundle your policies

Another popular way to get a lower car insurance premium is to bundle two or more policies, most commonly auto and home, renters, condo or life insurance. Purchasing two insurance policies from the same carrier can help you save money off of both policies.

Other speeding ticket considerations

In Tennessee, the major penalties associated with a speeding ticket are monetary fines and a higher car insurance premium. However, drivers who already have points on their record could face a potential license suspension if they receive another ticket.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

There is no best car insurance company for drivers with a speeding ticket on their record. The best provider is unique to each individual, based on factors like location, age, credit score and budget. However, some of the top-rated providers worth considering are Amica, State Farm, Nationwide, USAA and Geico.

How much does car insurance cost in Tennessee?

The average cost of car insurance in Tennessee is $1,338 per year for a full coverage policy and $371 per year for a minimum coverage policy. For comparison, the national average rate is $1,674 for full coverage. Tennessee drivers could pay more or less than average based on factors like their driving record, credit score, and the makes and models of their vehicles.

What is minimum coverage insurance in Tennessee?

Tennessee car insurance laws state that drivers must carry at least 25/50/15 liability insurance. A minimum coverage policy includes $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident and $15,000 for property damage coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female drivers with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and a single speeding ticket.

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Senior Insurance Editor