🚗 Car insurance cost in Memphis, TN (2027)
Estimated average: $2,090 per year — -3% vs. the U.S. average of $2,150.
With about 618,639 residents, Memphis is a major metro and the #2 largest city in Tennessee. Car insurance rates here are estimated at $2,090 per year, above the Tennessee average of $1,935 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Memphis with other Tennessee cities.
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Memphis car insurance FAQ
How much is car insurance in Memphis, TN?
The estimated average is $2,090 per year — above the state average (+8% vs. the Tennessee average of $1,935, and -3% vs. the U.S. average).
Is car insurance more expensive in Memphis than elsewhere in Tennessee?
Memphis has about 618,639 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Memphis?
Compare at least three quotes from insurers active in Memphis, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.