Compare Bluff City, TN Car Insurance Rates (2021)

Car insurance in Bluff City, TN averages $272 a month. Bluff City, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Bluff City car insurance rates, compare quotes from the top car insurance companies in Bluff City, TN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Bluff City, TN are $3,259/year
  • The cheapest car insurance company in Bluff City for teen drivers is State Farm
  • The cheapest car insurance company in Bluff City is State Farm

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

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

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

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

How do age, gender, and marital status affect Bluff City, TN car insurance rates? Every Bluff City, 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 Bluff City, 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 $2,421 $2,323 $2,185 $2,267 $9,116 $9,926 $2,571 $2,657
Farmers $1,737 $1,770 $1,558 $1,725 $7,412 $7,950 $2,366 $2,461
GEICO $1,807 $1,824 $1,665 $1,665 $5,476 $5,573 $1,835 $1,892
Liberty Mutual $3,113 $129 $2,565 $2,866 $12,794 $14,218 $3,334 $3,550
Nationwide $1,964 $1,977 $1,766 $1,791 $5,372 $6,900 $2,253 $2,436
Progressive $1,719 $1,615 $1,401 $1,468 $7,870 $8,850 $2,070 $2,260
State Farm $1,391 $1,391 $1,260 $1,260 $4,307 $5,385 $1,573 $1,826
Travelers $1,670 $1,760 $1,504 $1,603 $4,489 $5,525 $1,782 $1,876
USAA $1,385 $1,406 $1,253 $1,251 $4,924 $5,654 $1,804 $1,915

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Minimum Car Insurance in Bluff City, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Bluff City, Tennessee

Insurance Company Poor Fair Good
Allstate $5,327 $4,091 $3,132
Farmers $4,001 $3,143 $2,973
GEICO $3,084 $2,640 $2,428
Liberty Mutual $7,622 $4,679 $3,662
Nationwide $3,661 $2,918 $2,592
Progressive $3,822 $3,306 $3,092
State Farm $3,337 $2,004 $1,557
Travelers $3,226 $2,512 $1,841
USAA $3,542 $2,084 $1,722

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

Annual Bluff City, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,501 $4,172 $5,052 $4,008
Farmers $2,889 $3,552 $3,658 $3,390
GEICO $1,977 $2,646 $4,270 $1,977
Liberty Mutual $4,315 $6,221 $5,784 $4,965
Nationwide $2,653 $2,653 $3,956 $2,967
Progressive $3,000 $3,901 $3,194 $3,531
State Farm $2,092 $2,506 $2,299 $2,299
Travelers $2,056 $2,627 $2,899 $2,523
USAA $1,784 $2,670 $3,130 $2,212

Cheapest Bluff City, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Bluff City, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,116 $9,926
Farmers $7,412 $7,950
GEICO $5,476 $5,573
Liberty Mutual $12,794 $14,218
Nationwide $5,372 $6,900
Progressive $7,870 $8,850
State Farm $4,307 $5,385
Travelers $4,489 $5,525
USAA $4,924 $5,654

Cheapest Bluff City, TN Car Insurance for Seniors

Take a look at Bluff City, 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 Bluff City, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,185 $2,267
Farmers $1,558 $1,725
GEICO $1,665 $1,665
Liberty Mutual $2,565 $2,866
Nationwide $1,766 $1,791
Progressive $1,401 $1,468
State Farm $1,260 $1,260
Travelers $1,504 $1,603
USAA $1,253 $1,251

Cheapest Bluff City, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bluff City, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,052
Farmers $3,658
GEICO $4,270
Liberty Mutual $5,784
Nationwide $3,956
Progressive $3,194
State Farm $2,299
Travelers $2,899
USAA $3,130

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Cheapest Bluff City, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bluff City, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,183 $4,183
Farmers $3,372 $3,372
GEICO $2,701 $2,734
Liberty Mutual $5,321 $5,321
Nationwide $3,057 $3,057
Progressive $3,407 $3,407
State Farm $2,244 $2,355
Travelers $2,427 $2,625
USAA $2,381 $2,517

The Best Cheap Car Insurance Companies in Bluff City, TN

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

Average Annual Car Insurance Rates by Company in Bluff City, Tennessee

Insurance Company Average Annual Rates
Allstate $4,183
Farmers $3,372
GEICO $2,717
Liberty Mutual $5,321
Nationwide $3,057
Progressive $3,407
State Farm $2,299
Travelers $2,526
USAA $2,449

Category Winners: Cheapest Car Insurance in Bluff City, Tennessee

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

Best Annual Car Insurance Rates by Company in Bluff City, 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

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Cheapest Bluff City, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Bluff City, Tennessee

Insurance Company Low Medium High
Allstate $4,035 $4,173 $4,342
Farmers $3,149 $3,354 $3,614
GEICO $2,577 $2,711 $2,863
Liberty Mutual $5,078 $5,318 $5,567
Nationwide $3,067 $2,994 $3,110
Progressive $3,184 $3,407 $3,629
State Farm $2,159 $2,310 $2,428
Travelers $2,381 $2,524 $2,673
USAA $2,370 $2,441 $2,537

What affects car insurance rates in Bluff City, Tennessee?

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

Commute Time in Bluff City

The more time you spend in your car the higher the risk of an accident. The average commute length in Bluff City, TN is 30.2 minutes according to City-Data.

Compare Car Insurance Quotes in Bluff City, TN

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

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