Compare Atoka, TN Car Insurance Rates (2021)

Car insurance in Atoka, TN averages $340 a month. Atoka, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Atoka car insurance rates, compare quotes from the top car insurance companies in Atoka, 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 Atoka, TN after a DUI are $4,778/year
  • The cheapest car insurance company in Atoka for teen drivers is State Farm
  • The cheapest car insurance company in Atoka is State Farm

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

You’ll find Atoka car insurance rates, the cheapest Atoka, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Atoka, Tennessee car insurance rates to Johnson City car insurance rates, Hendersonville car insurance rates, and Knoxville car insurance rates.

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

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

How do age, gender, and marital status affect Atoka, TN car insurance rates? Every Atoka, 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 Atoka, 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 $3,585 $3,431 $3,233 $3,358 $13,885 $15,075 $3,806 $3,923
Farmers $1,927 $1,959 $1,731 $1,893 $7,850 $8,287 $2,594 $2,769
GEICO $2,132 $2,150 $1,963 $1,963 $6,547 $6,656 $2,170 $2,239
Liberty Mutual $4,015 $129 $3,305 $3,695 $16,730 $18,588 $4,299 $4,571
Nationwide $2,475 $2,498 $2,209 $2,249 $6,850 $8,869 $2,852 $3,109
Progressive $1,931 $1,815 $1,577 $1,649 $8,798 $9,897 $2,327 $2,536
State Farm $1,767 $1,767 $1,595 $1,595 $5,406 $6,775 $1,997 $2,312
Travelers $1,945 $2,047 $1,776 $1,891 $5,594 $6,965 $2,071 $2,181
USAA $1,694 $1,736 $1,520 $1,532 $5,846 $6,701 $2,217 $2,381

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Minimum Car Insurance in Atoka, TN

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

Minimum Required Car Insurance Coverage in Atoka, 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 Atoka, TN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Atoka, Tennessee

Insurance Company Poor Fair Good
Allstate $8,059 $6,138 $4,664
Farmers $4,320 $3,371 $3,188
GEICO $3,661 $3,136 $2,885
Liberty Mutual $9,913 $6,084 $4,753
Nationwide $4,687 $3,703 $3,277
Progressive $4,281 $3,703 $3,465
State Farm $4,216 $2,527 $1,962
Travelers $3,888 $3,061 $2,227
USAA $4,301 $2,501 $2,058

Cheapest Atoka, 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 Atoka, TN to rates for a clean record with top companies.

Annual Atoka, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,242 $6,278 $7,612 $6,017
Farmers $3,085 $3,848 $3,934 $3,638
GEICO $2,353 $3,144 $5,060 $2,353
Liberty Mutual $5,600 $8,097 $7,522 $6,448
Nationwide $3,354 $3,354 $5,077 $3,771
Progressive $3,360 $4,371 $3,578 $3,956
State Farm $2,645 $3,159 $2,902 $2,902
Travelers $2,472 $3,185 $3,529 $3,049
USAA $2,153 $3,209 $3,785 $2,667

Cheapest Atoka, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Atoka, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,885 $15,075
Farmers $7,850 $8,287
GEICO $6,547 $6,656
Liberty Mutual $16,730 $18,588
Nationwide $6,850 $8,869
Progressive $8,798 $9,897
State Farm $5,406 $6,775
Travelers $5,594 $6,965
USAA $5,846 $6,701

Cheapest Atoka, TN Car Insurance for Seniors

Take a look at Atoka, 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 Atoka, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,233 $3,358
Farmers $1,731 $1,893
GEICO $1,963 $1,963
Liberty Mutual $3,305 $3,695
Nationwide $2,209 $2,249
Progressive $1,577 $1,649
State Farm $1,595 $1,595
Travelers $1,776 $1,891
USAA $1,520 $1,532

Cheapest Atoka, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Atoka, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,612
Farmers $3,934
GEICO $5,060
Liberty Mutual $7,522
Nationwide $5,077
Progressive $3,578
State Farm $2,902
Travelers $3,529
USAA $3,785

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Cheapest Atoka, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Atoka, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,287 $6,287
Farmers $3,626 $3,626
GEICO $3,206 $3,248
Liberty Mutual $6,917 $6,917
Nationwide $3,889 $3,889
Progressive $3,816 $3,816
State Farm $2,831 $2,972
Travelers $2,938 $3,180
USAA $2,868 $3,039

The Best Cheap Car Insurance Companies in Atoka, TN

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

Average Annual Car Insurance Rates by Company in Atoka, Tennessee

Insurance Company Average Annual Rates
Allstate $6,287
Farmers $3,626
GEICO $3,227
Liberty Mutual $6,917
Nationwide $3,889
Progressive $3,816
State Farm $2,902
Travelers $3,059
USAA $2,953

Category Winners: Cheapest Car Insurance in Atoka, Tennessee

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

Best Annual Car Insurance Rates by Company in Atoka, Tennessee

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

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Cheapest Atoka, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Atoka, Tennessee

Insurance Company Low Medium High
Allstate $5,978 $6,266 $6,617
Farmers $3,426 $3,607 $3,846
GEICO $3,070 $3,223 $3,390
Liberty Mutual $6,603 $6,914 $7,232
Nationwide $3,924 $3,804 $3,938
Progressive $3,564 $3,819 $4,066
State Farm $2,728 $2,917 $3,061
Travelers $2,869 $3,056 $3,252
USAA $2,859 $2,942 $3,058

What affects car insurance rates in Atoka, Tennessee?

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

Commute Time in Atoka

The more time you spend in your car the higher the risk of an accident. The average commute length in Atoka, TN is 36.6 minutes according to City-Data.

Compare Car Insurance Quotes in Atoka, TN

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

Free Car Insurance Comparison

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