Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Tennessee

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tennessee Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3948Reviewed

2375Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Franklin

Why choose this provider?

William Insurance Group is a family-owned business that has been serving Tennesse for more than 19 years. It offers the best car insurance policies to help individuals in covering financial losses and damages involving theft, liability, fire damage, and even cracked windshields. The agency handles various types of automobiles including collector and classic cars, travel and utility trailer, ATVs, and off-road vehicles. Its owner, Steve Williams, is certified by the Life Underwriter Training Council and serves as a member of the Insurors of Tennessee.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (78)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Knoxville

Why choose this provider?

Knoxville Insurance Group is based in Tennessee and offers personal and commercial insurance. The company, which is locally owned and controlled, covers drivers from a variety of dangers, including theft and accidents caused by underinsured and uninsured drivers. Its experts can also tailor automobile insurance policies to incorporate features like rental reimbursement and towing coverage. Risk management advisers have access to policies from a variety of providers, including Nationwide, MetLife, and Travelers, allowing them to select plans that meet the specific needs of their clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Franklin

Why choose this provider?

Irvin-Dyal & Brown Insurance is a locally owned and operated independent agency serving Tennesse. It offers the best auto insurance policies for individuals and families whether they are driving a minivan, a pick-up, or operating a fleet. The coverage options include liability, collision, and comprehensive. With more than 75 years of combined experience, its team of top professionals represents different insurance companies such as Zurich, Travelers, and The Hanover Insurance Group. The agency also provides pet, home, and business plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (33)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Kingston

Why choose this provider?

Since 2000, Josh Igou has been a State Farm insurance agent, serving families, individuals, and business owners in Tennessee. His office offers its clients a wide selection of insurance products that safeguard them and their assets. One of its products is auto insurance, which protects car owners and their belongings in the event of an accident. In addition, the office offers life, health, home, and business insurance options. Igou is a recipient of the State Farm President's Club award.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (271)
Facebook
4.8 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Knoxville

Why choose this provider?

Greenway Insurance Agency is an independent business that serves clients in Tennessee and the surrounding areas. It has been in the industry for over 50 years, helping families and individuals protect what they value. Its products include auto, motorcycle, home, and life insurance. Its agents aim to help clients understand their policies and determine their situation, which works toward ensuring the responsiveness of its products and services. They discuss the clients' options and identify the coverage that benefits them best. The company also obtained a membership with the AAA.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Knoxville

Why choose this provider?

Founded in 1942, Harrington Insurance Agency is a family-owned and family-operated business serving Tennessee residents. It is a Dave Ramsey-endorsed local provider that furnishes various types of personal protection plans, including car insurance. The independent company also offers umbrella, homeowners', life, long-term care, and health insurance solutions. In addition, it caters to individuals who want to acquire commercial insurance policies, such as flood, inland marine, and BOP coverages. The agency works with multiple carriers like Safeco, Grange, and Nationwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (12)
Google
4.6 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Franklin

Why choose this provider?

For over a decade, McDonald Insurance and Financial Services - Franklin has been helping clients across Tennessee. Through auto insurance plans, the company helps car owners insure their vehicles. It educates clients on various coverage options, including collision, liability, and roadside assistance coverage. The company also designs insurance policies for owners of classic and antique cars. Brooks McDonald, the company's CEO, is the former chairman of the non-profit organization Barlett Chamber Foundation. He holds a Certification in Long-Term Care designation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Facebook
4.9 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Clarksville

Why choose this provider?

BFS Insurance Group offers solutions that are tailored to both personal and commercial needs. It provides car owners in Tennessee with insurance policies covering liability, collision, comprehensive, and uninsured and underinsured motorist protection. Its agents also assist customers in securing a wide range of personal insurance products, from RV, watercraft, and motorcycle insurance plans to condominium, renters', and homeowners' insurance programs. The combination of Baxter & Fish Insurance Agency with the Wyatt Group resulted in the formation of the company in 2009.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (92)
Facebook
4.9 / 5 (54)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Knoxville

Why choose this provider?

Serving Tennessee since 1946, John Bailey Company helps clients apply for cheap car insurance policies. These policies cover property damages, liability expenses, and medical payments caused by vehicle collisions or theft. It also caters to individuals who wish to protect their classic or antique cars, recreational vehicles, boats, and ATVs through insurance products. The agency is available for commercial, mortgage broker, real estate, restaurants, and youth camp insurance services. Its president, Brandon Clarke, is a certified insurance counselor and past outdoor insurance underwriter.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (28)
Google
4.5 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Knoxville

Why choose this provider?

Sparks Insurance - Knoxville has been serving the insurance needs of Tennessee clients since 1983. It is an independent agency that aims to protect drivers and motorists against accidents, liabilities, and uninsured drivers with an auto insurance policy. Its agents are connected to an extensive network of insurance providers that can provide customers with the right coverage that suits their needs and resources. Sparks Insurance is a Dave Ramsey Endorsed Local Provider, which includes companies known for being among the best in customer service, trustworthiness, and expertise.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (223)
Facebook
5.0 / 5 (37)
Yelp
4.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Knoxville

Why choose this provider?

Bradley Insurance Agency is an independent company that caters to families and individuals in Tennessee. It carries an array of personal products, including car insurance plans. The business offers personalized comprehensive, collision, liability, and rental reimbursement coverage suited to clients' needs. Towing and roadside assistance are also available as additional options. The agents process life, home, and farm insurance. They work with over 25 insurance providers, such as Liberty Mutual, Grange, and EMC Insurance. Bradley Insurance Agency has been in the industry since 1972.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (37)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Clarksville

Why choose this provider?

Augustine Insurance & Financial Services, Inc., is a locally owned and operated agency that has been serving Tennesse communities since 1972. It offers a wide range of personal auto insurance coverage options including liability, medical payments, uninsured/underinsured motorists, roadside assistance, and glass replacement. Commercial auto insurance is available for businesses whether they are using personal or work vehicles for their operations. The agency also provides insurance plans for boats, motorcycles, and RVs. It partners with multiple providers including ASI, Hallmark, and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (205)
Facebook
4.8 / 5 (26)
Yelp
3.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Franklin

Why choose this provider?

State Farm insurance agent Matt Cole serves individuals, families, and business owners in Tennessee, providing them with solutions that cover them and their belongings. His team offers car owners the best auto insurance that protects them and their assets. It also helps clients in starting life, health, home, and business insurance programs. Committed to helping each client, Cole has received the Chairman�s Circle, Ambassador Club, and Honor Club awards from State Farm. He is also a member of the Williamson County Chamber of Commerce.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (463)
Facebook
5.0 / 5 (28)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Cleveland

Why choose this provider?

Jake Duos, an insurance agent that runs a State Farm office, serves individuals, families, and business owners in Tennessee. His team is committed to helping clients prepare for their future by providing a broad selection of insurance solutions. They craft auto insurance plans for car owners to protect them and their assets in case of accidents. They also provide other personal and business insurance products, as well as banking services. Duo and his staff are always available to respond to client inquiries.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (109)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Chattanooga

Why choose this provider?

The Insurance Advisors of Tennessee is an independent agency serving individuals, families, and business owners across the state. It links clients to its partner carriers that provide the best solutions at the best price and cover their insurance needs. It helps car owners in shopping for auto insurance plans that protect their assets when accidents occur. The agency also covers boats, motorcycles, classic cars, and RVs. Owner Aaron Dixon has more than 12 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Nashville

Why choose this provider?

Mike Bates has been a State Farm insurance agent for more than 24 years, providing the cheapest insurance solutions that protect families, individuals, and business owners in Tennessee. His office offers auto insurance, which safeguards the car owner's assets and belongings. It also offers health, life, home, and business insurance products. As a testament to his commitment to helping every client, Bates has received various awards from State Farm, including Bronze Tablet Qualifier, Crystal Excellence Qualifier, and Eagle Club Qualifier.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (39)
Facebook
5.0 / 5 (8)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Knoxville

Why choose this provider?

Carlos Insurance Agency offers its products and services to the people of Tennessee. It works with a variety of insurance providers to let clients choose the type of protection coverage that best suits their needs. It writes policies for cars, homes, and businesses. The firm's founder and owner, Carlos Allavena, began his career at Allstate in 1994, where he later served as manager. Allavena decided to open his brokerage agency to provide better service to his clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (24)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.