Compare Central, TN Car Insurance Rates (2021)

Car insurance in Central, TN averages $264 a month. Central, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Central car insurance rates, compare quotes from the top car insurance companies in Central, 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 Central, TN are $3,174/year
  • The cheapest car insurance company in Central is State Farm
  • Average car insurance rates in Central, TN after a DUI are $3,723/year

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

You’ll find Central car insurance rates, the cheapest Central, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Central, Tennessee car insurance rates to Chattanooga car insurance rates, Bartlett car insurance rates, and Knoxville car insurance rates.

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

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

How do age, gender, and marital status affect Central, TN car insurance rates? Every Central, 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 Central, 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 $2,411 $2,313 $2,176 $2,257 $9,070 $9,877 $2,560 $2,646
Farmers $1,582 $1,610 $1,419 $1,562 $6,552 $6,951 $2,139 $2,266
GEICO $1,844 $1,854 $1,691 $1,691 $5,857 $5,936 $1,889 $1,951
Liberty Mutual $3,068 $129 $2,530 $2,824 $12,705 $14,108 $3,283 $3,486
Nationwide $1,958 $1,971 $1,762 $1,786 $5,364 $6,886 $2,247 $2,428
Progressive $1,519 $1,428 $1,240 $1,296 $6,935 $7,796 $1,829 $1,996
State Farm $1,392 $1,392 $1,263 $1,263 $4,347 $5,427 $1,575 $1,834
Travelers $1,526 $1,603 $1,405 $1,491 $4,361 $5,435 $1,618 $1,700
USAA $1,432 $1,457 $1,291 $1,291 $5,059 $5,809 $1,864 $1,991

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Minimum Car Insurance in Central, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Central, Tennessee

Insurance Company Poor Fair Good
Allstate $5,301 $4,072 $3,118
Farmers $3,580 $2,801 $2,649
GEICO $3,216 $2,761 $2,541
Liberty Mutual $7,528 $4,639 $3,632
Nationwide $3,653 $2,912 $2,586
Progressive $3,372 $2,916 $2,727
State Farm $3,355 $2,014 $1,565
Travelers $3,027 $2,399 $1,751
USAA $3,663 $2,143 $1,767

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

Annual Central, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,485 $4,153 $5,027 $3,989
Farmers $2,567 $3,188 $3,263 $3,022
GEICO $2,081 $2,767 $4,428 $2,081
Liberty Mutual $4,270 $6,161 $5,725 $4,910
Nationwide $2,648 $2,648 $3,945 $2,960
Progressive $2,649 $3,439 $2,819 $3,114
State Farm $2,101 $2,522 $2,312 $2,312
Travelers $1,943 $2,493 $2,752 $2,382
USAA $1,839 $2,747 $3,233 $2,278

Cheapest Central, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Central, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,070 $9,877
Farmers $6,552 $6,951
GEICO $5,857 $5,936
Liberty Mutual $12,705 $14,108
Nationwide $5,364 $6,886
Progressive $6,935 $7,796
State Farm $4,347 $5,427
Travelers $4,361 $5,435
USAA $5,059 $5,809

Cheapest Central, TN Car Insurance for Seniors

Take a look at Central, 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 Central, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,176 $2,257
Farmers $1,419 $1,562
GEICO $1,691 $1,691
Liberty Mutual $2,530 $2,824
Nationwide $1,762 $1,786
Progressive $1,240 $1,296
State Farm $1,263 $1,263
Travelers $1,405 $1,491
USAA $1,291 $1,291

Cheapest Central, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Central, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,027
Farmers $3,263
GEICO $4,428
Liberty Mutual $5,725
Nationwide $3,945
Progressive $2,819
State Farm $2,312
Travelers $2,752
USAA $3,233

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Cheapest Central, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Central, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,164 $4,164
Farmers $3,010 $3,010
GEICO $2,818 $2,861
Liberty Mutual $5,267 $5,267
Nationwide $3,050 $3,050
Progressive $3,005 $3,005
State Farm $2,256 $2,367
Travelers $2,299 $2,486
USAA $2,454 $2,595

The Best Cheap Car Insurance Companies in Central, TN

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

Average Annual Car Insurance Rates by Company in Central, Tennessee

Insurance Company Average Annual Rates
Allstate $4,164
Farmers $3,010
GEICO $2,839
Liberty Mutual $5,267
Nationwide $3,050
Progressive $3,005
State Farm $2,312
Travelers $2,392
USAA $2,524

Category Winners: Cheapest Car Insurance in Central, Tennessee

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

Best Annual Car Insurance Rates by Company in Central, Tennessee

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

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Cheapest Central, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Central, Tennessee

Insurance Company Low Medium High
Allstate $4,017 $4,154 $4,321
Farmers $2,834 $2,994 $3,202
GEICO $2,694 $2,834 $2,989
Liberty Mutual $5,037 $5,267 $5,496
Nationwide $3,065 $2,986 $3,100
Progressive $2,809 $3,007 $3,199
State Farm $2,173 $2,323 $2,439
Travelers $2,244 $2,391 $2,542
USAA $2,450 $2,516 $2,606

What affects car insurance rates in Central, Tennessee?

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

Commute Time in Central

The more time you spend in your car the higher the risk of an accident. The average commute length in Central, TN is 17.2 minutes according to City-Data.

Compare Car Insurance Quotes in Central, TN

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

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