Compare Cookeville, TN Car Insurance Rates (2021)

Car insurance in Cookeville, TN averages $282 a month. Cookeville, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Cookeville car insurance rates, compare quotes from the top car insurance companies in Cookeville, 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 Cookeville, TN after a DUI are $3,973/year
  • The cheapest ZIP code in Cookeville is 38506
  • The cheapest car insurance company in Cookeville is State Farm

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

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

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

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

How do age, gender, and marital status affect Cookeville, TN car insurance rates? Every Cookeville, 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 Cookeville, 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 $2,553 $2,451 $2,299 $2,386 $9,577 $10,420 $2,718 $2,811
Farmers $1,504 $1,531 $1,347 $1,474 $6,076 $6,457 $2,038 $2,173
GEICO $2,150 $2,173 $1,984 $1,984 $6,399 $6,527 $2,176 $2,244
Liberty Mutual $3,335 $129 $2,740 $3,058 $13,488 $14,982 $3,580 $3,819
Nationwide $2,073 $2,092 $1,858 $1,890 $5,621 $7,252 $2,379 $2,585
Progressive $1,843 $1,739 $1,502 $1,568 $8,285 $9,325 $2,227 $2,436
State Farm $1,341 $1,341 $1,214 $1,214 $4,128 $5,159 $1,516 $1,762
Travelers $1,752 $1,843 $1,596 $1,698 $4,953 $6,144 $1,865 $1,963
USAA $1,455 $1,479 $1,313 $1,312 $5,164 $5,924 $1,893 $2,020

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Minimum Car Insurance in Cookeville, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Cookeville, Tennessee

Insurance Company Poor Fair Good
Allstate $5,611 $4,303 $3,292
Farmers $3,354 $2,631 $2,490
GEICO $3,640 $3,113 $2,861
Liberty Mutual $8,084 $4,958 $3,882
Nationwide $3,877 $3,064 $2,715
Progressive $4,066 $3,505 $3,275
State Farm $3,206 $1,926 $1,497
Travelers $3,466 $2,726 $1,988
USAA $3,728 $2,182 $1,799

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

Annual Cookeville, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,687 $4,394 $5,310 $4,217
Farmers $2,417 $2,985 $3,042 $2,857
GEICO $2,317 $3,119 $5,065 $2,317
Liberty Mutual $4,579 $6,590 $6,133 $5,264
Nationwide $2,787 $2,787 $4,179 $3,124
Progressive $3,185 $4,134 $3,391 $3,753
State Farm $2,012 $2,407 $2,209 $2,209
Travelers $2,210 $2,840 $3,138 $2,720
USAA $1,871 $2,798 $3,292 $2,318

Cheapest Cookeville, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cookeville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,577 $10,420
Farmers $6,076 $6,457
GEICO $6,399 $6,527
Liberty Mutual $13,488 $14,982
Nationwide $5,621 $7,252
Progressive $8,285 $9,325
State Farm $4,128 $5,159
Travelers $4,953 $6,144
USAA $5,164 $5,924

Cheapest Cookeville, TN Car Insurance for Seniors

Take a look at Cookeville, 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 Cookeville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,299 $2,386
Farmers $1,347 $1,474
GEICO $1,984 $1,984
Liberty Mutual $2,740 $3,058
Nationwide $1,858 $1,890
Progressive $1,502 $1,568
State Farm $1,214 $1,214
Travelers $1,596 $1,698
USAA $1,313 $1,312

Cheapest Cookeville, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cookeville, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,310
Farmers $3,042
GEICO $5,065
Liberty Mutual $6,133
Nationwide $4,179
Progressive $3,391
State Farm $2,209
Travelers $3,138
USAA $3,292

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Cheapest Cookeville, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cookeville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,402 $4,402
Farmers $2,825 $2,825
GEICO $3,187 $3,222
Liberty Mutual $5,642 $5,642
Nationwide $3,219 $3,219
Progressive $3,616 $3,616
State Farm $2,157 $2,262
Travelers $2,620 $2,834
USAA $2,498 $2,642

Cheapest Cookeville, TN Car Insurance Rates by ZIP Code

Cookeville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cookeville, TN.

Annual Car Insurance Rates by ZIP Code in Cookeville, Tennessee

ZIP Code Average Annual Rates
38501 $3,428
38505 $3,438
38506 $3,417

The Best Cheap Car Insurance Companies in Cookeville, TN

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

Average Annual Car Insurance Rates by Company in Cookeville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,402
Farmers $2,825
GEICO $3,205
Liberty Mutual $5,642
Nationwide $3,219
Progressive $3,616
State Farm $2,209
Travelers $2,727
USAA $2,570

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Category Winners: Cheapest Car Insurance in Cookeville, Tennessee

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

Best Annual Car Insurance Rates by Company in Cookeville, 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

Cheapest Cookeville, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cookeville, Tennessee

Insurance Company Low Medium High
Allstate $4,242 $4,391 $4,572
Farmers $2,685 $2,815 $2,975
GEICO $3,060 $3,198 $3,356
Liberty Mutual $5,411 $5,641 $5,872
Nationwide $3,254 $3,149 $3,253
Progressive $3,416 $3,619 $3,812
State Farm $2,080 $2,220 $2,329
Travelers $2,565 $2,725 $2,891
USAA $2,493 $2,562 $2,655

What affects car insurance rates in Cookeville, Tennessee?

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

Commute Time in Cookeville

The more time you spend in your car the higher the risk of an accident. The average commute length in Cookeville, TN is 19.4 minutes according to City-Data.

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Compare Car Insurance Quotes in Cookeville, TN

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