With Freedom Insurance Group, compare auto insurance quotes in Collierville, TN. We help match coverage to the vehicles you actually drive, after shopping 25+ carriers.
Average car insurance rates in Collierville, Tennessee
A quick caution: the amounts shown are illustrative averages and estimates, and none is a guaranteed quote. Actual premiums turns on drivers, vehicles, ZIP, limits and deductibles, credit (where allowed), and claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Collierville, Tennessee | $170.43 |
Car Insurance Rates by Driver’s Age Group in Collierville
Lowest-priced car insurance companies in Collierville, TN
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Progressive | $146.46 |
| 2 | GEICO | $149.42 |
| 3 | Lemonade | $162.05 |
| 4 | Lumen Select | $167.71 |
| 5 | Chubb | $172.94 |
| 6 | Allstate | $178.13 |
| 7 | GAINSCO | $179.94 |
| 8 | Safeco | $182.48 |
| 9 | Travelers | $187.46 |
| 10 | Bristol West | $202.45 |
Check Out Other Rates in Collierville, TN Nearby Cities:
Driving and insurance context in Collierville
Collierville is home to roughly 48,863 residents and lies within Shelby County, within the Memphis metro area. The resident count is roughly 48,863. Near rivers and in low-lying areas, flood considerations join the tornado and storm risk built into much of Tennessee pricing.
A Collierville commute often combines local arterials with highway stretches, which is why underwriting looks at both garaging ZIP and annual mileage. Local weather, especially severe storms, flooding in low spots, and foggy river corridors, also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. The car’s construction, the insurance score where allowed, prior claims, and the precise garaging address all move the quote, which is why two Collierville neighbors driving similar cars can still pay different premiums.
If you are new to Memphis metro, take a few minutes to confirm how you use the vehicle. The trim level of a given model year counts for less than highway-heavy commuting, rideshare activity, or teen drivers. Accurate details make the match: let us know how the car is really driven in the quote request, and we can line up carriers that price that profile well.
Many Collierville drivers also underestimate how safety features and how long you have owned the car interact with discounts. Carriers do not all value anti-theft devices, automatic emergency braking, or continuous coverage the same way. An independent agent can translate those quirks into a shortlist instead of forcing you to re-key the same application on ten websites.
Pull up the declarations pages from your current policy; that small step saves time. An apples-to-apples comparison for Collierville is quickest to build when you start with limits, deductibles, and listed drivers. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Collierville at a glance
Collierville is home to roughly 48,863 residents and lies within Shelby County, within the Memphis metro area.
Collierville sits in the Memphis metro area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Memphis metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Near rivers and in low-lying areas, flood considerations join the tornado and storm risk built into much of Tennessee pricing.
Car coverage guides for Collierville drivers
A serious injury claim or a newer financed vehicle rarely fits within state-minimum limits, even though the minimum meets the legal floor in Tennessee. The list below doubles as a checklist for comparing Collierville quotes.
- Liability coverage (BI/PD): Coverage that pays other people after a crash you caused. Consider higher limits if you have home equity, savings, or a long commute through denser traffic.
- Collision: Pays to repair your vehicle after a crash with another car or object, minus your deductible.
- Comprehensive: In storm country this one matters most; it covers theft, hail, glass breakage, animal strikes, and other non-crash damage.
- Uninsured & underinsured motorist: Steps in for you if the at-fault driver has little or no insurance. UM/UIM rules vary by state, so get the details before declining it.
- Medical payments or PIP: Availability and stacking depend on state rules, but the idea is simple: paying medical bills for you and your passengers after a crash.
- Rental reimbursement: Keeps you driving during shop time after a covered claim by paying toward a rental car.
- Roadside coverage: Help with towing, dead batteries, and lockouts, often cheaper as a policy add-on than a separate auto club.
- Higher liability limits & umbrella coordination: Carry an umbrella? Confirm that your auto limits meet the underlying requirements.
Lenders and leasing companies nearly always insist on collision and comprehensive for Collierville vehicles. Going without collision can make sense for older, paid-off vehicles after you understand the out-of-pocket risk. Glass and hail deductibles merit a closer look in storm-prone ZIP codes.
Tips and tricks to lower car insurance rates in Collierville
Shopping well looks past the binder price alone. The durable wins usually come from right-sizing liability limits first, then shopping collision deductibles, then re-checking the market every policy term.
- Shop several carriers at each renewal. Underwriting appetite moves after storm seasons and loss trends. The carrier that was cheapest in Collierville last year might not win this year.
- Bundle only when the math works. A home-and-auto bundle can help, but check the total price, not just the auto line by itself. Begin at /get-a-quote/auto-quote and mention any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,168.07, far above adult buckets near $113. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Usage-based programs can reward gentle acceleration and low overnight mileage, but hard braking and late-night driving can erase the benefit.
- Keep continuous coverage. Gaps, even short ones, often costs more than the months you skipped.
- Match garaging to reality. Before you bind, fix any mismatch if the car is kept in Collierville but insured at another address (or the reverse).
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Combined, these credits can move a competitive quote, though each one is small.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. So underwriting does not guess, bring those details to your Collierville quote review.
Discounts to ask about when you live in Collierville
- Multi-policy credit — auto paired with home or renters.
- Multi-car — more than one vehicle with the same carrier.
- Safe driver / claims-free — clean records often price better.
- Good student and driver training — valuable when teens are rated.
- Usage-based / telematics — opt-in programs that reward safer driving.
- Paperless, autopay, and paid-in-full — small discounts that stack together.
- Anti-theft and safety features — based on the vehicle and the carrier.
No discount replaces shopping. For the same Collierville driver, two carriers with similar credits may still land fifty dollars apart.
What moves a Collierville auto quote
Sticker price is only part of it for carriers reviewing Collierville applications. Prior bodily injury claims, comprehensive weather losses, and lapses in coverage can outweigh a clean credit file. In the other direction, a long run of continuous coverage plus a modest mileage estimate may lower the rate even if the car is fairly new.
Your mileage estimate may be due for a change if you work from home some days; it is worth asking. Mileage estimates from an old job linger on many Collierville policies, so households overpay for miles they no longer drive. The opposite is also true: if you added a longer Memphis metro commute, update the application before a claim creates a mismatch.
Picking deductibles and limits around local weather
The regional loss record shows severe storms, flooding in low spots, and foggy river corridors, so Collierville drivers should choose a comprehensive deductible deliberately. A lower glass deductible can be worth it if you park outside. If you have savings and the car is paid off, a bigger comprehensive deductible can cut the premium.
Do not stop at the state minimum: limits should reflect your assets and comfort with risk. Along busy roads near Collierville, a serious at-fault accident may quickly outrun minimum limits. We will walk through scenarios so you are not buying numbers you do not understand.
Freedom Insurance Group for Collierville drivers
We do not invent AM Best ratings or pretend every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Collierville and the wider Memphis metro area.
Call (800) 253-1482 or request a free auto quote online. Also shopping for homeowners coverage? Begin on the home quote form, and we will compare bundling options without pressure.
Expect a conversation about drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. Those details, not the averages here, are what build a shortlist of bindable options for your family.
What the data says about driving in Collierville
The NOAA Storm Events Database records 9 hail reports within about 7 miles of Collierville from 2016 through 2025. Peak hail size reached 1.75 inches in April 2025. Hail that size can dent body panels and crack windshields, and those claims go through comprehensive. There were also 10 flash-flood reports nearby, the latest in April 2025; flood damage to a car is covered under comprehensive, not collision.
Census survey figures show about 51,515 residents in Collierville on 37 square miles of land, roughly 1,404 people per square mile. The closest Tennessee city with more than 100,000 residents is Memphis, about 16 miles to the west. Frequent drives to Memphis should be counted in your mileage.
Collierville has about 18,161 occupied households; 28% own at least three vehicles and 45% have two. That makes multi-car discounts and careful driver assignment worth checking on most policies.
Census Bureau estimates (ACS 2020–2024) put the average one-way commute from Collierville at about 25 minutes. Among workers, 71% drive alone, 6.7% carpool, and 21% work from home. Given the remote-work share, a stale commute on the policy is a common overcharge.
Collierville’s recorded beginnings date to 1836. The name honors Jesse R. Collier. Collierville’s population went from 31,872 at the 2000 Census to 43,965 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 51,951. That is growth of roughly 63% since 2000. Federal tornado records from NOAA’s Storm Prediction Center list 14 tornadoes that began within 10 miles of Collierville from 1950 through 2015; the strongest was an F3 on November 27, 1994. That tornado’s record lists 3 deaths and 25 injuries.
Comparing nearby rates? We also cover Piperton (5 mi), Germantown (5 mi), and Rossville (8 mi).
ZIP codes in and near Collierville that we insure
38027 · 38017
More Tennessee coverage pages
Get auto insurance quotes in Collierville, TN
For people in Collierville, Freedom Insurance Group shops 25+ carriers. Call (800) 253-1482 or request a free auto quote online.
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