Tennessee Car Wash businesses pay $95–$475/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Memphis | $103–$513/mo | Compare → |
| Nashville | $109–$546/mo | Compare → |
| Knoxville | $95–$475/mo | Compare → |
| Chattanooga | $95–$475/mo | Compare → |
| Clarksville | $93–$466/mo | Compare → |
| Murfreesboro | $100–$499/mo | Compare → |
| Franklin | $112–$561/mo | Compare → |
| Jackson | $90–$451/mo | Compare → |
| Johnson City | $90–$451/mo | Compare → |
| Bartlett | $97–$485/mo | Compare → |
| Shelby County | $103–$513/mo | Compare → |
| Davidson County | $109–$546/mo | Compare → |
| Knox County | $95–$475/mo | Compare → |
| Hamilton County | $95–$475/mo | Compare → |
| Rutherford County | $100–$499/mo | Compare → |
| Williamson County | $112–$561/mo | Compare → |
| Montgomery County | $93–$466/mo | Compare → |
| Sumner County | $100–$499/mo | Compare → |
| Wilson County | $100–$499/mo | Compare → |
| Maury County | $95–$475/mo | Compare → |
Car Wash businesses in Tennessee typically pay $95–$475/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Tennessee doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Car Wash businesses, key covered scenarios include: Vehicle damage during repair or service; Customer slip and fall; Employee injury from equipment.
Top exposures: (1) Vehicle damage during repair or service, (2) Customer slip and fall, (3) Employee injury from equipment, (4) Fire in garage or shop.
Top carriers in Tennessee for Automotive businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Car Wash policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Tennessee cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.