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Auto Insurance in Memphis, TN

Local car insurance for Memphis. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in Memphis, TN depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026

Memphis, TN
Population ~653,450 · Shelby County · Tennessee statewide average: ~$1,050/yr (NAIC, 2023).

Memphis ZIP codes

FAQ

How much is car insurance in Memphis, TN?

Memphis rates depend on your ZIP, coverage and profile; the Tennessee statewide average is about $1,050/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in Memphis?

We list Memphis ZIP-level pages below; each shows local car insurance details and free quotes.