Memphis, TN Car Insurance

Cruising in the home of blues, and the birthplace of rock 'n' roll.

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Spinning your wheels trying to get the best auto insurance rates in Memphis? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident. 

You can drive with confidence in Memphis knowing you’re covered with Lemonade Car

Insurance requirements and limitations in Memphis are determined by the state of Tennessee. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the auto insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.

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Read on to learn about how you can get the best rates on Memphis auto insurance. Here’s what we’ll discuss:

What car insurance coverage is required in Memphis?

The state of Tennessee requires all Memphis drivers to have car insurance. 

Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.

For example, Tennessee drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)

To comply with Tennessee’s car insurance coverage requirements, Memphis drivers need the following coverages and minimum coverage amounts:

Required minimum coverages for Memphis driversMinimum amount required
Bodily injury liability coverage$25,000/50,000
Property damage liability coverage$15,000

Keep in mind: Your levels of bodily injury and property damage liability insurance don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.

Additional coverages available to Memphis drivers

Memphis drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel. 

What add-on coverages does Lemonade Car offer?What can it help pay for?
Collision coverageTo repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Comprehensive coverageTo fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Medical payments coverage (aka MedPay)Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Uninsured motorist coverage/underinsured motorist bodily injury coverageMedical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Uninsured motorist property damage coverageTo repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Temporary transportation coverageTransportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Extended glass coverageTo replace your windshield, your sunroof, or your back glass if it’s damaged.

Want to dive into the nitty-gritty of what Tennessee car insurance has to offer? Get the full scoop here

How much does Lemonade Car insurance cost in Memphis?

Well, that depends. 

Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles. 

But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.

When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).

Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.  

The right car insurance combines the coverage you need with car insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates. 

The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website

Click below to get your car insurance quote in Memphis.

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Other ways of getting around Memphis 

Memphis Car Insurance near you
MATA helps Memphinians get from Point A to B without needing to get in the driver’s seat of their car

While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.

MATA (The Memphis Area Transit Authority) operates the bus and trolley system throughout the Memphis area. Like many US cities, Memphis residents who choose not to drive can get around using bikeshares and electric scooters, as well as rideshares.

Memphis is a sprawling city and as a whole isn’t considered one of the most walkable cities in America. But there are some neighborhoods—like East Midtown, Barry F. Homes, Annesdale Park, and Cooper Young—that are so easy to get around on foot, you might just find yourself walking in Memphis.

At Lemonade Car, we reward low-mileage drivers with lower premiums. Memphis drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts. 

Because of that, we encourage you—whenever possible—to go out and about without your car.  

How accessible are hybrid and electric vehicles in Memphis?

As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.

According to Charge Hub, there are 113 public charging stations throughout the city of Memphis. You can see a map of the public charging station locations here. The mayor of Shelby County signed an executive order in August 2022 to ensure that a minimum of 5% of the county’s estimated 600 government vehicles be “green” by 2027, and that in following years 20% of new passenger vehicles purchased by the county be green.

Tennessee may soon be developing a more robust EV policy with the signing of the Bipartisan Infrastructure Law in 2022. The Law has allocated more than $88 million to the State of Tennessee for EV infrastructure development over five years. The $13 million that was allocated in 2022 is being funneled to the State’s Electric Vehicle Charging Plan. According to the plan, over the next few years, Tennessee will install EV charging stations every 50 miles along the State’s interstates and major highways.

At Lemonade Car, we support Tennessee drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Lemonade Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.  

Fast transportation facts about Memphis 

Memphis isn’t just the largest city in Tennessee, the home of blues, and the birthplace of rock ‘n’ roll—it’s also a haven for those who love all things that move fast. Here are a few Memphis-oriented transportation-centric tidbits: 

The Memphis Downtown Trolley

A part of MATA, the Memphis Downtown Trolley system runs through the most iconic Memphis downtown locations. Not only that, but MATA has spent four years restoring vintage trolley cars for you to experience, from the intricate woodwork to the stunning light fixtures. In addition, a ride only costs $1 and daily passes can be purchased for $2. It’s the perfect way to get a sense of historic Memphis.

The Edge Motor Museum

The Edge Motor Museum is Memphis’ only car museum. It focuses on the preservation of historical cars and the stories that they can tell us about what was going on in the world when the cars were made. From the Model T to American Speed, the Edge Motor Museum bears witness to our automotive history.

Before we drive off into the sunset…

Memphis drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on Highway 64 at Germantown Road!

Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.

Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer Homeowners, Renters, Pet, and Life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car..

Let’s drive.

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A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.