Compare Chapel Hill, TN Car Insurance Rates (2021)

Car insurance in Chapel Hill, TN averages $299 a month. Chapel Hill, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Chapel Hill car insurance rates, compare quotes from the top car insurance companies in Chapel Hill, 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 Chapel Hill, TN after a DUI are $4,222/year
  • The cheapest car insurance company in Chapel Hill for teen drivers is State Farm
  • The cheapest car insurance company in Chapel Hill is State Farm

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

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

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

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

How do age, gender, and marital status affect Chapel Hill, TN car insurance rates? Every Chapel Hill, 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 Chapel Hill, 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 $2,890 $2,782 $2,593 $2,693 $10,727 $11,693 $3,095 $3,207
Farmers $1,881 $1,915 $1,690 $1,844 $7,422 $7,867 $2,535 $2,703
GEICO $2,291 $2,312 $2,110 $2,110 $6,985 $7,110 $2,330 $2,404
Liberty Mutual $3,521 $129 $2,895 $3,233 $14,198 $15,769 $3,776 $4,024
Nationwide $2,029 $2,050 $1,818 $1,853 $5,414 $7,005 $2,323 $2,533
Progressive $1,810 $1,710 $1,473 $1,540 $8,074 $9,099 $2,180 $2,384
State Farm $1,536 $1,536 $1,380 $1,380 $4,633 $5,795 $1,734 $2,018
Travelers $1,698 $1,787 $1,548 $1,648 $4,773 $5,927 $1,807 $1,902
USAA $1,518 $1,542 $1,369 $1,367 $5,428 $6,228 $1,976 $2,110

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Minimum Car Insurance in Chapel Hill, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Chapel Hill, Tennessee

Insurance Company Poor Fair Good
Allstate $6,327 $4,848 $3,705
Farmers $4,149 $3,236 $3,061
GEICO $3,922 $3,359 $3,089
Liberty Mutual $8,519 $5,223 $4,088
Nationwide $3,761 $2,980 $2,643
Progressive $3,977 $3,425 $3,199
State Farm $3,632 $2,180 $1,693
Travelers $3,353 $2,633 $1,922
USAA $3,910 $2,284 $1,882

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

Annual Chapel Hill, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,167 $4,959 $5,961 $4,753
Farmers $2,973 $3,680 $3,753 $3,522
GEICO $2,509 $3,365 $5,442 $2,509
Liberty Mutual $4,823 $6,944 $6,460 $5,545
Nationwide $2,704 $2,704 $4,070 $3,033
Progressive $3,113 $4,037 $3,316 $3,668
State Farm $2,284 $2,719 $2,502 $2,502
Travelers $2,137 $2,742 $3,038 $2,629
USAA $1,958 $2,931 $3,454 $2,426

Cheapest Chapel Hill, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Chapel Hill, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,727 $11,693
Farmers $7,422 $7,867
GEICO $6,985 $7,110
Liberty Mutual $14,198 $15,769
Nationwide $5,414 $7,005
Progressive $8,074 $9,099
State Farm $4,633 $5,795
Travelers $4,773 $5,927
USAA $5,428 $6,228

Cheapest Chapel Hill, TN Car Insurance for Seniors

Take a look at Chapel Hill, 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 Chapel Hill, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,593 $2,693
Farmers $1,690 $1,844
GEICO $2,110 $2,110
Liberty Mutual $2,895 $3,233
Nationwide $1,818 $1,853
Progressive $1,473 $1,540
State Farm $1,380 $1,380
Travelers $1,548 $1,648
USAA $1,369 $1,367

Cheapest Chapel Hill, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chapel Hill, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,961
Farmers $3,753
GEICO $5,442
Liberty Mutual $6,460
Nationwide $4,070
Progressive $3,316
State Farm $2,502
Travelers $3,038
USAA $3,454

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Cheapest Chapel Hill, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chapel Hill, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,960 $4,960
Farmers $3,482 $3,482
GEICO $3,435 $3,478
Liberty Mutual $5,943 $5,943
Nationwide $3,128 $3,128
Progressive $3,534 $3,534
State Farm $2,443 $2,560
Travelers $2,533 $2,739
USAA $2,617 $2,768

The Best Cheap Car Insurance Companies in Chapel Hill, TN

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

Average Annual Car Insurance Rates by Company in Chapel Hill, Tennessee

Insurance Company Average Annual Rates
Allstate $4,960
Farmers $3,482
GEICO $3,457
Liberty Mutual $5,943
Nationwide $3,128
Progressive $3,534
State Farm $2,502
Travelers $2,636
USAA $2,692

Category Winners: Cheapest Car Insurance in Chapel Hill, Tennessee

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

Best Annual Car Insurance Rates by Company in Chapel Hill, Tennessee

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

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Cheapest Chapel Hill, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Chapel Hill, Tennessee

Insurance Company Low Medium High
Allstate $4,791 $4,949 $5,140
Farmers $3,305 $3,467 $3,674
GEICO $3,298 $3,450 $3,622
Liberty Mutual $5,696 $5,942 $6,192
Nationwide $3,154 $3,057 $3,173
Progressive $3,314 $3,531 $3,755
State Farm $2,370 $2,512 $2,623
Travelers $2,473 $2,634 $2,802
USAA $2,615 $2,684 $2,778

What affects car insurance rates in Chapel Hill, Tennessee?

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

Commute Time in Chapel Hill

The more time you spend in your car the higher the risk of an accident. The average commute length in Chapel Hill, TN is 36.3 minutes according to City-Data.

Compare Car Insurance Quotes in Chapel Hill, TN

Ready to find affordable Chapel Hill, Tennessee car insurance today? Enter your ZIP code for fast, free Chapel Hill, 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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