Compare Alcoa, TN Car Insurance Rates (2021)

Car insurance in Alcoa, TN averages $306 a month. Alcoa, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Alcoa car insurance rates, compare quotes from the top car insurance companies in Alcoa, TN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Alcoa, TN are $3,678/year
  • Average car insurance rates in Alcoa, TN after a DUI are $4,315/year
  • The cheapest car insurance company in Alcoa is State Farm

If you need to buy Alcoa, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Alcoa, TN is right here.

You’ll find Alcoa car insurance rates, the cheapest Alcoa, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Alcoa, Tennessee car insurance rates to Bartlett car insurance rates, Memphis car insurance rates, and Murfreesboro car insurance rates.

Ready to find affordable Alcoa, TN car insurance today? Enter your ZIP code for fast, free Alcoa car insurance quotes.

Cheapest Alcoa, TN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Alcoa, TN car insurance rates? Every Alcoa, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alcoa, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,664 $2,556 $2,397 $2,488 $10,039 $10,918 $2,836 $2,935
Farmers $1,826 $1,859 $1,637 $1,799 $7,583 $8,059 $2,474 $2,622
GEICO $2,172 $2,190 $2,000 $2,000 $6,655 $6,765 $2,210 $2,280
Liberty Mutual $3,700 $129 $3,038 $3,400 $15,472 $17,205 $3,966 $4,220
Nationwide $2,329 $2,347 $2,084 $2,117 $6,478 $8,356 $2,683 $2,913
Progressive $1,778 $1,673 $1,452 $1,517 $8,074 $9,082 $2,142 $2,335
State Farm $1,571 $1,571 $1,430 $1,430 $4,958 $6,197 $1,780 $2,067
Travelers $1,848 $1,947 $1,678 $1,787 $5,183 $6,435 $1,969 $2,073
USAA $1,508 $1,533 $1,362 $1,361 $5,395 $6,191 $1,968 $2,095

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Minimum Car Insurance in Alcoa, TN

Every driver must carry the minimum car insurance in Alcoa, TN. Take a look at the Tennessee car insurance requirements.

Minimum Required Car Insurance Coverage in Alcoa, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Alcoa, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Alcoa, TN. Compare credit history car insurance rates in Alcoa from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Alcoa, Tennessee

Insurance Company Poor Fair Good
Allstate $5,872 $4,500 $3,441
Farmers $4,137 $3,243 $3,067
GEICO $3,726 $3,191 $2,935
Liberty Mutual $9,148 $5,625 $4,400
Nationwide $4,406 $3,492 $3,092
Progressive $3,937 $3,402 $3,182
State Farm $3,813 $2,287 $1,776
Travelers $3,647 $2,861 $2,087
USAA $3,878 $2,275 $1,877

Cheapest Alcoa, TN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Alcoa, TN to rates for a clean record with top companies.

Annual Alcoa, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,851 $4,593 $5,561 $4,410
Farmers $2,974 $3,683 $3,771 $3,501
GEICO $2,396 $3,199 $5,145 $2,396
Liberty Mutual $5,181 $7,480 $6,948 $5,956
Nationwide $3,167 $3,167 $4,765 $3,554
Progressive $3,089 $4,013 $3,289 $3,635
State Farm $2,383 $2,868 $2,625 $2,625
Travelers $2,321 $2,984 $3,299 $2,856
USAA $1,946 $2,918 $3,428 $2,414

Cheapest Alcoa, TN Car Insurance for Teen Drivers

Teen car insurance in Alcoa, TN can be expensive. Take a look at rates from the top car insurance companies in Alcoa for teenagers.

Annual Car Insurance Rates for Teen Drivers in Alcoa, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,039 $10,918
Farmers $7,583 $8,059
GEICO $6,655 $6,765
Liberty Mutual $15,472 $17,205
Nationwide $6,478 $8,356
Progressive $8,074 $9,082
State Farm $4,958 $6,197
Travelers $5,183 $6,435
USAA $5,395 $6,191

Cheapest Alcoa, TN Car Insurance for Seniors

Take a look at Alcoa, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Alcoa, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,397 $2,488
Farmers $1,637 $1,799
GEICO $2,000 $2,000
Liberty Mutual $3,038 $3,400
Nationwide $2,084 $2,117
Progressive $1,452 $1,517
State Farm $1,430 $1,430
Travelers $1,678 $1,787
USAA $1,362 $1,361

Cheapest Alcoa, TN Car Insurance Rates After a DUI

A DUI in Alcoa, TN increases car insurance rates. Compare Alcoa, Tennessee DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Alcoa, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,561
Farmers $3,771
GEICO $5,145
Liberty Mutual $6,948
Nationwide $4,765
Progressive $3,289
State Farm $2,625
Travelers $3,299
USAA $3,428

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Cheapest Alcoa, TN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Alcoa, TN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Alcoa, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,604 $4,604
Farmers $3,482 $3,482
GEICO $3,263 $3,305
Liberty Mutual $6,391 $6,391
Nationwide $3,663 $3,663
Progressive $3,507 $3,507
State Farm $2,561 $2,690
Travelers $2,752 $2,978
USAA $2,602 $2,752

Cheapest Alcoa, TN Car Insurance Rates by ZIP Code

Alcoa car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Alcoa, TN.

Annual Car Insurance Rates by ZIP Code in Alcoa, Tennessee

ZIP Code Average Annual Rates
37701 $3,758
37801 $3,723

The Best Cheap Car Insurance Companies in Alcoa, TN

Take a look at a side-by-side comparison of the top car insurance companies in Alcoa, TN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Alcoa, Tennessee

Insurance Company Average Annual Rates
Allstate $4,604
Farmers $3,482
GEICO $3,284
Liberty Mutual $6,391
Nationwide $3,663
Progressive $3,507
State Farm $2,625
Travelers $2,865
USAA $2,677

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Category Winners: Cheapest Car Insurance in Alcoa, Tennessee

Find the cheapest car insurance companies in Alcoa, TN for each category right here.

Best Annual Car Insurance Rates by Company in Alcoa, Tennessee

Category Insurance Company
Teenagers State Farm
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Alcoa, TN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Alcoa car insurance rates. Find the cheapest Alcoa, TN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Alcoa, Tennessee

Insurance Company Low Medium High
Allstate $4,441 $4,593 $4,778
Farmers $3,284 $3,466 $3,697
GEICO $3,125 $3,276 $3,451
Liberty Mutual $6,100 $6,391 $6,682
Nationwide $3,698 $3,585 $3,707
Progressive $3,278 $3,509 $3,733
State Farm $2,457 $2,640 $2,780
Travelers $2,693 $2,863 $3,039
USAA $2,592 $2,667 $2,771

What affects car insurance rates in Alcoa, Tennessee?

What factors can have an impact on Alcoa, TN car insurance? There are several reasons why Alcoa car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alcoa, Tennessee.

Commute Time in Alcoa

The more time you spend in your car the higher the risk of an accident. The average commute length in Alcoa, TN is 22.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Alcoa, TN

Ready to find affordable Alcoa, Tennessee car insurance today? Enter your ZIP code for fast, free Alcoa, TN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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