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When searching for cheap auto insurance in Tennessee, you’ll find there are a few factors that will impact your rates. The area in which you live can be one deciding factor, so if you live in an area with a high auto theft rate, you will pay more than when living in a “safe” neighborhood. Another varying factor that can significantly impact your auto insurance rate is your personal driving record, and possibly your credit score.

Auto insurance companies want to know that the person they are insuring is responsible, meaning you’ve had little to no traffic violations or charges such as a DUI (Driving Under the Influence) and that you pay your bills in a timely manner. If you’ve got a squeaky clean record, you’ll find yourself paying the lowest rate possible for insurance but not everyone is perfect, so we’ve found some very forgiving companies that can help you save money on your insurance premiums.

You can begin shopping for cheap auto insurance rates by entering your zip code when shopping at one of the companies below. This will give you an idea of how much each company charges based on your zip code, but a good driving record can save you even more when you supply your personal information for a quote. According to NerdWallet, you can save quite a bit by shopping around. It’s a good idea to get at least three to four quotes to ensure that you’re getting the best bang for your buck in terms of coverage, rates and any special rewards that may be offered to you later down the road such as a good driver’s discount, good student discount, having a multi-car policy or not having any claims or accidents for a certain period.

Safe Auto offers Tennessee minimum insurance requirements for the cheapest rates, according to their website, and they offer insurance to those who may have a less than perfect record which is very attractive to those who have an SR-22. You can also find out what the state’s minimum requirements are on their home page so you know exactly what you’re obligated to have without any browbeating or upsells of a more expensive policy. Enter your zip code to find out what your baseline rate may be. Based on an average credit score with a good driving record and no lapse in coverage in the last six months, you may only pay an annual fee of $535.

Farm Bureau Insurance of Tennesee costs good drivers with no recent at-fault accidents and no moving violations (such as a DUI) roughly $854 per year, according to NerdWallet. Of course, this is the best case scenario so if you’ve had moving violations or a recent accident that was found to be your fault, your rate may be higher; maybe near the range of almost $940 per year.

Geico seems to be another popular option when it comes to saving money on your insurance premium. Their famous slogan is that “New customers report average annual savings over $500”. This may depend upon personal deciding factors such as driving history, credit score, age and other similar details. It ranks number three on NerdWallet’s evaluation for cheapest insurance for good drivers, coming in at $1,113 per year. This is not as cheap as other companies, but may be a good option for some.

The average cost of Tennessee auto insurance for all cities can range anywhere from approximately $1,200 to $1,400 per year making the three options above look particularly attractive to those shopping around for a better-priced insurance premium. The most important factor may not only be how much your premium is, but whether or not you can save money later on if you have an accident by comparing the deductibles or by saving money with customer loyalty programs.