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A new study reveals that Memphis isn’t the best place to get car insurance if you’re trying to save a few dollars. Consumer finance company ValuePenguin analyzed car insurance rates in 44 cities across Tennessee. Results of the study revealed that Memphis has the highest rates. In Memphis, a person spends $1,212 a year on average for car insurance. The ValuePenguin study discovered that the top five cities with the highest insurance rates in Tennessee were all in the Memphis metro area. Aside from Memphis, these areas are Bartlett ($1,049), Germantown ($1,038), Collierville ($1,032), and Dyersburg ($979). To get quotes from car insurance companies for the study, the company assumed the identity of a 30-year-old male driver who is single. He imaginatively drove a 2010 Toyota Camry that he bought and used to commute to and from his place of employment, according to the study. The driver had no at-fault accidents or violations in the last five years. ValuePenguin looked at insurance quotes from the 10 top auto insurers that operate throughout Tennessee, averaging rates across the companies to come up with a final number for each city. Those companies included GEICO, State Farm, Nationwide, Allstate, Liberty Mutual, and several others. The top five cities with the cheapest insurance rates are Bristol ($810), Kingsport ($813), Johnson City ($830), Brentwood ($857), and Gallatin ($871), according to the study. Brian Quinn, co-founder of ValuePenguin, said the company publishes unique analysis and creates user-friendly tools that help individuals make more informed financial decisions. The company is currently in the process of conducting auto insurance studies for every state in the country. “We hope that Tennesseeans understand how much average auto insurances prices can vary depending on where they live within the state,” Quinn said. “The majority of the work we do at ValuePenguin is digging into big data related to consumer finance issues. Once we did a handful of the state breakdowns and got great feedback, we realized we needed to do the analysis nationwide.” According to ValuePenguin’s Tennessee study, cities with expensive auto insurance rates were typically close to high crime areas and/or high population density areas. Cities with cheaper with auto insurance rates normally had a lower population density and lower crime rates. The five most expensive cities had an average annual rate of $1,062 while the five cheapest areas had yearly annual premiums around $836. The average cost of car insurance in Tennessee was $916 per year, according to the study. Other cities analyzed in the study include Smyrna, Murfreesboro, Chattanooga, Cleveland, Athens, Knoxville, Columbia, Nashville, Jackson, Union City, and various others.

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