Compare Charleston, TN Car Insurance Rates (2021)

Car insurance in Charleston, TN averages $285 a month. Charleston, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Charleston car insurance rates, compare quotes from the top car insurance companies in Charleston, 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

  • The cheapest car insurance company in Charleston is State Farm
  • Average car insurance rates in Charleston, TN are $3,418/year
  • The cheapest car insurance company in Charleston for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Charleston, TN car insurance rates? Every Charleston, 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 Charleston, 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 $2,645 $2,536 $2,383 $2,473 $10,003 $10,867 $2,812 $2,908
Farmers $1,748 $1,781 $1,573 $1,732 $7,223 $7,709 $2,365 $2,475
GEICO $2,146 $2,161 $1,971 $1,971 $6,728 $6,828 $2,193 $2,264
Liberty Mutual $3,045 $129 $2,519 $2,819 $12,512 $13,904 $3,248 $3,440
Nationwide $2,187 $2,205 $1,960 $1,991 $6,024 $7,767 $2,515 $2,730
Progressive $1,714 $1,616 $1,398 $1,461 $7,664 $8,627 $2,061 $2,243
State Farm $1,400 $1,400 $1,269 $1,269 $4,345 $5,430 $1,584 $1,841
Travelers $1,696 $1,786 $1,546 $1,645 $4,743 $5,892 $1,805 $1,899
USAA $1,500 $1,523 $1,355 $1,352 $5,364 $6,164 $1,956 $2,079

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Minimum Car Insurance in Charleston, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Charleston, Tennessee

Insurance Company Poor Fair Good
Allstate $5,842 $4,473 $3,419
Farmers $3,959 $3,093 $2,925
GEICO $3,720 $3,192 $2,937
Liberty Mutual $7,435 $4,582 $3,590
Nationwide $4,103 $3,264 $2,900
Progressive $3,765 $3,246 $3,032
State Farm $3,363 $2,019 $1,569
Travelers $3,341 $2,623 $1,915
USAA $3,855 $2,263 $1,867

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

Annual Charleston, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,827 $4,567 $5,533 $4,385
Farmers $2,842 $3,508 $3,607 $3,346
GEICO $2,399 $3,199 $5,134 $2,399
Liberty Mutual $4,224 $6,086 $5,649 $4,850
Nationwide $2,961 $2,961 $4,448 $3,320
Progressive $2,951 $3,826 $3,143 $3,472
State Farm $2,108 $2,527 $2,317 $2,317
Travelers $2,130 $2,731 $3,027 $2,618
USAA $1,936 $2,901 $3,407 $2,402

Cheapest Charleston, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Charleston, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,003 $10,867
Farmers $7,223 $7,709
GEICO $6,728 $6,828
Liberty Mutual $12,512 $13,904
Nationwide $6,024 $7,767
Progressive $7,664 $8,627
State Farm $4,345 $5,430
Travelers $4,743 $5,892
USAA $5,364 $6,164

Cheapest Charleston, TN Car Insurance for Seniors

Take a look at Charleston, 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 Charleston, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,383 $2,473
Farmers $1,573 $1,732
GEICO $1,971 $1,971
Liberty Mutual $2,519 $2,819
Nationwide $1,960 $1,991
Progressive $1,398 $1,461
State Farm $1,269 $1,269
Travelers $1,546 $1,645
USAA $1,355 $1,352

Cheapest Charleston, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Charleston, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,533
Farmers $3,607
GEICO $5,134
Liberty Mutual $5,649
Nationwide $4,448
Progressive $3,143
State Farm $2,317
Travelers $3,027
USAA $3,407

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Cheapest Charleston, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charleston, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,578 $4,578
Farmers $3,326 $3,326
GEICO $3,260 $3,306
Liberty Mutual $5,202 $5,202
Nationwide $3,422 $3,422
Progressive $3,348 $3,348
State Farm $2,262 $2,373
Travelers $2,524 $2,729
USAA $2,588 $2,735

The Best Cheap Car Insurance Companies in Charleston, TN

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

Average Annual Car Insurance Rates by Company in Charleston, Tennessee

Insurance Company Average Annual Rates
Allstate $4,578
Farmers $3,326
GEICO $3,283
Liberty Mutual $5,202
Nationwide $3,422
Progressive $3,348
State Farm $2,317
Travelers $2,627
USAA $2,662

Category Winners: Cheapest Car Insurance in Charleston, Tennessee

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

Best Annual Car Insurance Rates by Company in Charleston, Tennessee

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

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Cheapest Charleston, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Charleston, Tennessee

Insurance Company Low Medium High
Allstate $4,402 $4,567 $4,766
Farmers $3,111 $3,306 $3,559
GEICO $3,115 $3,275 $3,458
Liberty Mutual $4,946 $5,201 $5,459
Nationwide $3,436 $3,354 $3,477
Progressive $3,121 $3,347 $3,576
State Farm $2,178 $2,329 $2,446
Travelers $2,462 $2,625 $2,794
USAA $2,579 $2,653 $2,753

What affects car insurance rates in Charleston, Tennessee?

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

Commute Time in Charleston

The more time you spend in your car the higher the risk of an accident. The average commute length in Charleston, TN is 27.6 minutes according to City-Data.

Traffic in Charleston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charleston, TN traffic data from INRIX ranks Charleston as the 649th-most congested in the world.

Compare Car Insurance Quotes in Charleston, TN

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

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