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About me: Tony & Ray Car Insurance Memphis TN stands at number 1 in the list of cities with most expensive car insurance rates in TN State. Car owners in Memphis TN pay 50% more or say 0.5 times more in car insurance premium than the state car insurance average and 2 times more than the national average. Average yearly car insurance rates in Memphis is about $1600 per year compared to $900 for the national average. This make it mandatory for you to shop for a few car insurance quotes before you buy your policy. Exactly where we fit in for you. We help you get cheap car insurance quotes with just 5 simple questions answered while on a call with one of our local agent. We have helped hundreds of car insurance buyer in Memphis TN save huge on their premium cost. We use insurance companies own tricks to get you the cheapest possible car insurance deal in Memphis Metro area.