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We’re here to protect you, Tennessee!

From Johnson City to Memphis and everywhere in between, Say Insurance® has coverage for you.

Please enter a valid 5-digit ZIP code.

Takes about 5 minutes


Say vehicles in your state*

Beep, beep – Say Insurance® protects drivers in Tennessee! We’re an all online car insurance brand that strives to save you time and money. Every day, we aim to:

    • Provide car insurance coverage that’s easy to understand.
    • Deliver top-notch customer service at all times.
    • Empower customers to feel confident in managing their own policy.


Tennessee Discounts

Discounts below can save you up to 10% each!

    • Pay for six months at a time
    • Go paperless
    • Take a qualified defensive driving course
    • Purchase 7+ days prior to policy start date
    • Avoid gaps in insurance

Say’s Service

We’re here to help when you need it most.

    • Quick and easy claims process.
    • Backed by Shelter Insurance® and 75 years of award-winning service
    • Available to help through phone, chat, or email
    • Most calls resolved in 5 minutes!

Tennessee State Requirements

Different states have different coverage requirements and limits. If you aren’t familiar with the term, a policy limit is the maximum amount your insurance company could pay if you got into a covered accident.

The state of Tennessee requires you to have, at minimum, the following liability coverage limits on your policy:

Say Bonus Coverage!

Coverage that goes above and beyond Tennessee requirements. Options to consider:

  • Roadside Assistance included in every policy
  • New Car Replacement Coverage
  • Rental Reimbursement
learn more about Say’s coverage

Let the quote speak for itself.

Takes about 5 minutes

Dharmik 11/2021

"Great insurance company. It is priced reasonably compared to other companies. Plus the customer service is easy to reach. I would definitely recommend..."

WM 11/2021

"Deeply competitive priced, amazing roadside assistance, great customer service and customer support. Very fast and complete. I definitely would..."

Sarah 10/2021

"Have had Say for 4 years and have had to call multiple times for roadside. Always super helpful and kind. Very reasonable prices. Best car insurance..."

Louis 10/2021

"They helped me when everyone else wouldn't and at a reasonable price and each year after my price started going down, I will continue to use Say..."

Karl 10/2021

"I struggled to find good insurance at a rate I could afford. In the end the coverage is the same but Say insurance was half the cost of the more..."

Yohannes 10/2021

"Say Insurance gives quality Customer service to its clients that is why I'm still with Say Insurance...."

Kathrine 10/2021

"Everyone I have dealt with for the last five years that I’ve been with Say has been polite professional knowledgeable and extremely nice. I’ve had..."

Say Insurance® is proud to hold an A+ rating from the Better Business Bureau®.