Tennessee drivers typically pay less for car insurance than the national average, with drivers spending an average of $1,429 per year for full coverage and $371 for minimum coverage. However, getting a speeding ticket usually raises a driver’s insurance premium because insurance providers view speeding tickets as risky behavior. Drivers in Tennessee pay an average of $1,682 per year for full coverage and $447 for minimum coverage following a speeding ticket conviction.

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How much is a speeding ticket in Tennessee?

A Tennessee speeding ticket costs an average of anywhere between $111 to $150. The higher a driver goes over the speed limit, the more expensive the TN speeding ticket costs. Additionally, Tennessee uses a points system, so when drivers get pulled over for speeding, they could 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-month period could have their driving privileges revoked. Keep in mind that penalties are based on the specifics of the driver’s ticket.

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

Getting a speeding ticket in Tennessee impacts car insurance rates. A driver’s age and gender may also have a direct impact on their rate, with male drivers paying slightly more than female drivers on average. This is because, statistically, male drivers exhibit riskier driving behaviors behind the wheel, leading to a higher likelihood of claims.

However, in Tennessee, although there is a slight difference between male and female average premiums after a speeding ticket conviction, both increased by 18 percent. 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 Percent increase
40-year-old male $1,434 $1,697 18%
40-year-old female $1,418 $1,668 18%
Total average $1,426 $1,683 18%

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

After a speeding ticket conviction, insurance companies will usually raise a driver’s rate to compensate for the increased risk of insuring them. Multiple tickets may lead insurers to consider a driver to be high-risk, which can lead to even more expensive premiums. Fortunately, there are a number of things that drivers can do to potentially 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, one of the most effective ways to find a lower rate is by getting quotes from several companies. If you are quoted a better price for the same coverage elsewhere, you can switch carriers. The table below shows average rates before and after a speeding ticket from various car insurance companies in Tennessee:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket Percentage increase
State Farm $901 $999 11%
Travelers $1,166 $1,530 31%
USAA $1,188 $1,427 20%
Farmers $1,220 $1,498 23%
Erie $1,375 $1,394 1%

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

As you can see, the average rate increase after a speeding ticket varies by carrier. However, keep in mind that a cheaper company might not necessarily 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 in addition to price.

Look for discounts

Most car insurance companies offer discounts that can help qualifying drivers save money on their policies. Some insurers offer unique discounts, but a few of the most common ones include:

  • Bundling discount: Purchase auto and home, renters, condo or life insurance with the same provider to enjoy savings.
  • Multi-car discount: Insuring more than one vehicle with the same company might earn you a discount.
  • Telematics discount: Enrolling in a telematics program that tracks your driving behavior and reports it to your provider could mean getting a break on your premium.
  • Good student discount: High school students and college drivers might earn a discount by maintaining good grades.
  • Defensive driving discount: Completing an eligible defensive driving course could mean earning an insurance discount. Tennessee also allows drivers with speeding tickets to reduce points on their license by finishing a course within 90 days of the conviction.

Frequently asked questions

    • There is no single insurance company that is always the best insurer for drivers with a speeding ticket on their record. Every policy is unique, based on specific information such as the driver’s age and gender, coverage needs, location and other factors. The best way to find the right insurer for your needs after a speeding ticket is to shop around, compare rates and see which provider has the best coverage and discounts based on your preferences.
    • Although you’re not required to tell your insurance provider about a speeding ticket, they will find out at your next policy renewal and you will most likely see your premium go up. In Tennessee, points from speeding tickets stay on your license for two years, so you can expect to pay more for insurance until the points fall off your license.
    • The cheapest car insurance company varies from person to person since insurance providers look at a number of factors and weigh them differently. For instance, an insurance provider might consider your location, age, vehicle make and model, credit score and driving history when setting rates. This is why it’s important to request quotes from multiple providers before choosing a policy.
  • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket. Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania. Age: Rates were calculated by evaluating our base profile (40 years) applied. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.