Short answer: car insurance in Memphis, TN 38104 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
ZIP 38104 · Memphis, TN · Shelby County
Tennessee statewide average: ~$1,050/yr (NAIC, 2023).
FAQ
How much is car insurance in ZIP 38104?
Rates in 38104 (Memphis, TN) depend on coverage and profile. Compare free car insurance quotes from licensed partners.
Is ZIP 38104 in Memphis?
Yes — 38104 is in Memphis, Shelby County, TN.
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