Best Car Insurance After a DUI in Tennessee (Top 10 Companies for 2024)

This guide covers the top 10 insurers in Tennessee and offers insights into finding full coverage auto insurance that fits your budget and needs after a DUI. It’s essential reading to ensure your full protection while keeping costs in check.

Our Top 10 Company Picks: Best Car Insurance After a DUI in Tennessee

 

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#1 – State Farm: Top Overall Pick

Pros

• Personalized Service for DUI Drivers: Tennessee drivers with a DUI can get customized insurance policies tailored to their specific needs.
• Discounts for Safe Driving: State Farm offers safe driving discounts even after a DUI in Tennessee, helping reduce insurance costs. Check out ourState Farm insurance review & ratings for more details.
• Extensive Network of Local Agents: Tennessee drivers with a DUI can receive personalized support through State Farm’s extensive agent network.

Cons

• Higher Premiums for DUI Offenses: Tennessee drivers with a DUI may face higher insurance premiums than other providers.
• Less Robust Digital Tools: Limited online services may make managing Tennessee DUI insurance policies less convenient.

#2 – Geico: Best for Affordable Rates

Pros

• Affordable Rates for DUI Drivers: Geico offers some of the lowest insurance rates for Tennessee drivers with a DUI record.
• User-Friendly Online Tools: Tennessee DUI drivers can manage their insurance policies easily through Geico’s digital platform.
• Significant Bundling Discounts: Geico offers Tennessee drivers with a DUI up to 25% off when bundling insurance policies. Explore ourGeico insurance review & ratings for more insights.

Cons

• Less Agent Interaction: Tennessee drivers with a DUI may need more in-person support since Geico focuses on digital services.
• Higher Rates for Severe Offenses: While generally affordable, Geico may charge higher premiums for more serious DUI convictions in Tennessee.

#3 – Progressive: Best for Budgeting Tools 

Pros

• Snapshot Program Savings: Progressive offers Tennessee DUI drivers potential savings on insurance through their usage-based Snapshot program.
• Free Tools: Progressive offers state-specific free tools to build your insurance and save on the cost of Tennessee DUI driver policies.
• Flexible Coverage Options: Customizable insurance for Tennessee DUI drivers to get the best coverage at an affordable price. Read more in ourProgressive insurance review & ratings.

Cons

• High Initial Premiums: Progressive’s insurance costs are high for Tennessee drivers with a DUI, but they get more affordable as you renew your rate.
• Unreliable Customer Service: A few Tennessee DUI drivers have mentioned a mix of good and bad customer service from Progressive.

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#4 – Allstate: Best for Flexible Payments

Pros

• Flexible Payment Plans: Allstate offers Tennessee drivers with DUI flexible insurance payment options to manage post-DUI expenses.
• Accident Forgiveness: Tennessee DUI drivers may benefit from Allstate’s accident forgiveness program, which allows them to avoid premium increases for minor accidents.
• Solid Financial Strength: Allstate’s A+ rating ensures stability for Tennessee drivers seeking long-term insurance after a DUI.

Cons

• Higher Base Rates: If you have a DUI commission on your record, Tennessee drivers might find Allstate premiums higher than their competition. Read more in ourAllstate Insurance review and ratings.
• More restricted DUI Underwriting: Allstate may establish stricter insurance guidelines for Tennessee drivers with a prior DUI, limiting coverage type customization.

#5 – Nationwide: Best for Forgiveness Option

Pros

• DUI Forgiveness: Nationwide offers a forgiveness program that will keep the insurance rates of Tennessee drivers with DUIs from skyrocketing.
• Vanishing Deductible: Tennessee DUI drivers can work down their deductible with every year of safe travel. Learn more in our “Does Nationwide offer liability coverage?“
• Nationwide Insurance Coverages: offers many protections specific to Tennessee DUI offenders, so our coverage options are as detailed as they need to be for drivers with premium needs.

Cons

• Higher Rates without Discounts: Tennessee DUI drivers may face steep insurance premiums if they don’t qualify for discounts.
• Limited DUI Forgiveness: Nationwide’s DUI forgiveness has restrictions and may not be available for repeat offenses in Tennessee.

#6 – Dairyland: Best for Non-Standard Coverage

Pros

• Specializes in High-Risk Insurance: Provides dependable nonstandard car insurance coverage for individuals with a DUI in Tennessee.
• Inexpensive SR-22 Filing: Tennessee DUI drivers can file SR-22 forms with Dairyland at competitive rates. Learn more in our “How to file a car insurance claim with Dairyland.”
• Option for Flexible Payments: Tennessee DUI drivers can control insurance rate structure with payment plans from Dairyland.

Cons

• Lower Standard Coverage Rates: Drivers paying for standard coverage in Tennessee will likely find lower rates than what Dairyland offers those convicted of a DUI.
• Limited Discount Availability: Tennessee DUI drivers will have fewer opportunities to save on insurance with Dairyland.

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#7 – Farmers: Best for Rehabilitation Discounts

Pros

• DUI Rehabilitation Program: Farmers to Offer Premium Reduction on Completion of Tennessee DUI Rehab Programs
• Different Policy Types: Farmers offers a range of insurance policies that Tennessee DUI drivers can use to find the right coverage.
• Best Customer Service: Farmers for Tennessee drivers with a DUI — this insurer offers lots of contact and claims advice. Read more from ourFarmers insurance review & ratings.

Cons

• Higher Insurance Premiums: Farmers may charge Tennessee DUI drivers higher premiums than other insurance providers.
• Limited Online Tools: Tennessee DUI drivers may find it harder to manage their insurance policies through Farmers’ online platform.

#8 – Liberty Mutual: Best for Flexible Policies

Pros

• Flexible Insurance Policies: Best for Flexible Insurance Policies, this carrier offers a variety of customizable insurance options to Tennessee drivers with DUIs.
• Safe Driver Discounts: Drivers who get a DUI in Tennessee and have had no infractions for the past five years can receive discounts on car insurance from Liberty Mutual.
• Solvency from Liberty Mutual: Top-notch financial strength means drivers with Tennessee DUI charges will always be covered. Read more in ourLiberty Mutual insurance review & ratings.

Cons

• Fewer Discounts for DUI Drivers: Drivers with a DUI on their record in Tennessee may have few opportunities to reduce insurance costs compared to other companies.
• More Costly Coverage: The insurance cost for DUI will be expensive, and the worst part is that Liberty Mutual car coverage costs in TN are still pricier than those of other carriers.

#9 – Travelers: Best for Safety Discounts 

Pros

• Safety Rebate: Policyholders in Tennessee who receive a DUI qualify for the safety rebates offered by Travelers if they complete any Safety program.
• Superior Financial Rating: A++ financial rating Tennessee DUI drivers will enjoy the safety and security of reliable insurance with Travelers.
• Good Drivers: Travelers offers the full range of comprehensive specific Tennessee DUI drivers adjusted coverage. Read ourTravelers homeowners insurance review to learn more.

Cons

• More Expensive at the Outset: Drivers in Tennessee dealing with DUIs will find that the initial insurance costs they receive from Travelers may be higher than what other companies offer.
• Travelers Limited Online Tools: Travelers may not have the most robust online platform for DUI drivers in Tennessee compared to other companies.

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#10 – The Hartford: Best for Mature Drivers

Pros

• For Mature DUI Drivers: The Hartford offers mature Tennessee drivers with DUIs the opportunity to purchase insurance designed for their circumstances and receive additional perks.
• Driving Discounts: Hartford qualifies for insurance discounts after defensive driving completion.
• Exemplary Financial Standing A+ Rating: Hartford does not doubt future security for Tennessee DUI drivers looking for long-term coverage.

Cons

• High Tier Age bracket Constraint: The Hartford Insurance might not be accessible statewide. Learn more in our “Does The Hartford offer OEM parts coverage?”
• Higher Premiums for DUI Offenses: High-risk Tennessee DUI drivers may be subject to higher insurance rates. 

Tennessee DUI Car Insurance Rates by Provider

If you’ve received a DUI in Tennessee, finding the right car insurance can be challenging and expensive. The monthly rates for DUI car insurance vary widely among providers and depend on the coverage level you choose. Here’s a breakdown of the minimum and full coverage rates from top insurance companies in Tennessee to help you make an informed decision.

Tennessee DUI Car Insurance Monthly Rates by Provider & Coverage Level

Car Insurance Discounts From the Top Providers After a DUI in Tennessee

You should know them by heart as they can give you the upper hand when it comes to choosing your car insurance for people driving after a DUI after a DUI. You may even get the required coverages offered at a reduced rate sum with these discounts.

Before we discuss the best car insurance options, let’s first understand what a DUI is and how it affects car insurance rates.

A DUI, or Driving Under the Influence, refers to operating a motor vehicle while impaired by alcohol or drugs. It is a severe offense that can significantly affect various aspects of your life, including your car insurance rates.

In Tennessee, the legal blood alcohol concentration (BAC) limit is 0.08% for drivers aged 21 and above. For drivers under 21, any detectable amount of alcohol in their system can lead to a DUI charge.

Understanding the Impact of a DUI

DUI is short for Driving Under the Influence, meaning to operate a motor vehicle while under alcohol or drug impairment. Tennessee Blood Alcohol Concentration (BAC) Levels 21 and Older. However, individuals under 21 who drive with any measurable level of alcohol in their system face DUI charges.

How a DUI Affects Your Car Insurance Rates

A DUI immediately makes you a high-risk driver in the eyes of auto insurance companies. It indicates that you are more likely to claim, so the insurance pays higher premiums. There will also be cases where insurance companies may end you as a customer.

5 Most Common Auto Insurance Claims in Tennessee

Insurance companies consider many factors when deciding how risky it will be to insure a driver who has received a DUI conviction. These factors include the particulars of your DUI arrest, details about all prior driving actions and history you may have had, and what the specific insurance company in question alleges.

When it comes to the circumstances surrounding your DUI arrest, insurance companies may take into account details such as the blood alcohol concentration level at the time of the arrest, any property damage or injuries caused as a result of the DUI, and whether this is your first offense or a repeated offense.

Your driving history also plays a significant role in determining how a DUI affects your car insurance rates. If you have a history of other traffic violations or accidents, insurance companies may view you as an even higher risk, leading to further increases in your premiums.

Furthermore, each insurance company has policies and guidelines for insuring drivers with a DUI conviction. Some companies may be more lenient and offer more affordable rates, while others may have strict policies that result in significantly higher premiums or refusal to provide coverage.

Tennessee DUI Laws and Penalties

To fully understand the impact a DUI has on your car insurance, it’s crucial to familiarize yourself with Tennessee DUI laws and the penalties associated with a DUI conviction.

Driving under the influence (DUI) is a serious offense that can have severe consequences. In Tennessee, the laws regarding DUI are designed to protect public safety and deter individuals from getting behind the wheel while impaired. Understanding these laws is essential for all drivers.

Overview of Tennessee DUI Laws

Driving with a blood alcohol content (BAC) of 0.08% or more is against the law in Tennessee. That limit is in line with most other states. Keep in mind, however, that you can still be convicted of a DUI with BAC levels below the legal limit if your ability to drive has been impaired by drugs or alcohol.

I also know Tennessee has zero tolerance for underage drinking. Meaning that if a person has any alcohol in their system at all they could be charged with DUI. To protect young drivers and other road users, the state acknowledges and acts upon that problem.

In addition to the legal limits, Tennessee can seek enhanced penalties if you have multiple DUIs within 10 years. The state understands and sends a vital message to people who act in the worst possible way on public roads: part of being fined is increasingly severe for repeat offenses.

Penalties for DUI in Tennessee

The penalties for a DUI conviction in Tennessee can vary depending on several factors. These factors include your BAC level at the time of arrest, any previous DUI offenses on your record, and the presence of aggravating circumstances, such as causing an accident or having a child in the vehicle.

Tennessee Accidents & Claims per Year by City

Common penalties for a DUI conviction in Tennessee include fines, license suspension, mandatory DUI education programs, probation, community service, and even jail time. The severity of these penalties increases with each subsequent DUI offense. It is important to note that these penalties are legal consequences and can significantly impact your insurance rates.

Evaluating Car Insurance Companies After a DUI

When searching for car insurance after a DUI, it’s vital to thoroughly evaluate different insurance companies to find one that offers the best rates and coverage for your specific situation. Here are some factors to consider when choosing an insurance company:

Factors to Consider When Choosing an Insurance Company

Choosing the right insurance company after a DUI can significantly impact your coverage and premiums. Here are five key factors to keep in mind:

• Financial Stability: Ensure the insurer’s solid financial standing to meet its obligations and handle claims efficiently, especially after a DUI.
• Reputation and Customer Service: Choose a company known for its excellent customer service and responsive claims handling, which makes the process smoother during challenging times.
• Available Discounts: Compare discounts and incentives offered by various insurers, such as those for completing defensive driving courses, to help lower your premiums.
• Coverage Options: Look for insurers that provide flexible coverage options tailored to high-risk drivers, ensuring you get the protection you need.
• Claims Process: Investigate how easy it is to file claims with potential insurers. A streamlined process can reduce stress when you need assistance the most.

By considering these factors, you can choose an insurance company that meets your needs after a DUI, ensuring you receive the right coverage at an affordable price.

How Insurance Companies Determine Rates After a DUI

Insurance companies calculate rates after a DUI based on how much of a risk you are. Many factors can say whether or not you might be able to get an SR-22 insurance policy, with some of the most common being your age and how severe was your DUI offense. All three of them provide free quotes, and each one factors these things differently, so getting insurance quotes from at least a few different companies is recommended.

For instance, insurance companies establish rates following a DUI based on the gravity of the offense. However, if it was a first-time offense that did not involve any property damage or injuries, the bump to your rates might be less significant than if you had committed more serious crimes.

How old you are and where you live may also affect the corresponding rates. However, younger drivers and those in regions with high claims might expect to pay more.

Insurance companies also factor in your driving record. If you are otherwise a good driver and have no other prior offenses on your record, certain car insurance companies will consider that when quoting their rates. Of course, your history of different traffic violations or accidents will likely factor into that decision.

It is important to note that when considering what happens after getting a DUI insurance-wise, every insurer utilizes its proprietary algorithms and determines when rates are established.

Therefore, it is essential to find insurers and get quotes from the different ones to analyze which offer best fits your requirements. This also goes back to whether auto insurance will cover DUI accidents. This understanding helps you decide so that you do not always trade.

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Top Car Insurance Companies for Drivers with a DUI in Tennessee

It might be hard to get car insurance for a DUI in Tennessee. However, some specific companies out certainly concentrate on offering coverage to high-risk chauffeurs. The following are three of the best car insurance providers you should consider:

Tips to Lower Your Insurance Rates After a DUI

Although insurance rates after a DUI tend to be higher, there are steps you can take to mitigate the impact. Here are some tips:

Completing a DUI Education Program

Many insurers offer discounts to drivers who complete a DUI education program. These programs provide valuable knowledge about the dangers of impaired driving and can help you demonstrate your commitment to responsible behavior on the road.

Maintaining a Clean Driving Record

Shopping Around for the Best Rates

Lastly, obtain quotes from multiple car insurance companies to find the best rates. Each insurer weighs the impact of a DUI differently, so comparing rates from different companies can save you a significant amount of money.

Finding Affordable Car Insurance After a DUI in Tennessee

You may worry that sourcing auto insurance post-DUI in Tennessee is an insurmountable task. Understanding how a DUI affects your insurance, the basics of Tennessee laws, and comparisons between insurers will help you find appropriate coverage.

In addition, by being respectful and following these insurance-reduction strategies after a DUI offense, you can keep the fat off your wallet while regaining respect during future driving opportunities. Be sure to know that every insurer has its guidelines; therefore, thoroughly investigate and check out all choices.

By taking the time and effort required, you can have car insurance for DUI drivers in Tennessee that is right for your unique case. Finding cheap car insurance quotes is easy. Enter your ZIP code into our free comparison tool to instantly compare quotes near you.