Memphis carries some of Tennessee's higher premiums, driven by elevated vehicle-theft and crime rates and the state's optional uninsured-motorist rules.
What you pay for car insurance in Memphis is driven far more by local conditions and your own profile than by any single average. Because no authority publishes reliable Memphis-specific average premiums, this guide focuses on what's genuinely local and verifiable — the risk factors particular to Memphis, Tennessee's coverage requirements, and how to shop for a lower rate — rather than a made-up number. For state-level rate context, see our Tennessee auto insurance page.
Bodily injury / person
$25,000
Bodily injury / accident
$50,000
Property damage
$15,000
Tennessee is an at-fault (tort) state. Tort state; UM/UIM optional.
Source: state minimum liability requirements per Tennessee statute. These are legal minimums, not a recommendation — many Memphis drivers carry higher limits.
Because rates in Memphis vary block to block, the reliable way to find your best price is to compare several insurers for your exact address and profile. Beyond shopping, the biggest levers are within your control:
Memphis has elevated vehicle-theft and property-crime rates, which insurers price into premiums, and Tennessee's uninsured-driver rate raises the value of optional uninsured-motorist coverage (which the state lets you decline). Comprehensive coverage for theft and severe weather is commonly worth carrying, and shopping several insurers is the best way to manage the cost.
Memphis follows Tennessee's statewide requirements. The minimum liability limits are $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage. Tort state; UM/UIM optional. These are legal minimums — many Memphis drivers carry higher limits given local risk.
Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.