🚗 Car insurance cost in Memphis, TN (2026)
Estimated average: $2,090 per year — -3% vs. the U.S. average of $2,150.
$2,090
Est. car insurance in Memphis
per year
$1,935
Tennessee average
$2,150
U.S. average
618,639
Population
Estimate your car insurance in Memphis
Memphis car insurance estimator
Estimated$3,658/year
Starts from the Memphis estimate. Get quotes to confirm your price.
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.