Compare Cottage Grove, TN Car Insurance Rates (2021)

Car insurance in Cottage Grove, TN averages $298 a month. Cottage Grove, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Cottage Grove car insurance rates, compare quotes from the top car insurance companies in Cottage Grove, 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 Cottage Grove, TN are $3,577/year
  • The cheapest car insurance company in Cottage Grove is State Farm
  • The cheapest car insurance company in Cottage Grove for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Cottage Grove, TN car insurance rates? Every Cottage Grove, 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 Cottage Grove, 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 $2,790 $2,687 $2,498 $2,594 $10,222 $11,106 $2,995 $3,110
Farmers $2,040 $2,073 $1,836 $1,993 $8,074 $8,546 $2,741 $2,926
GEICO $2,021 $2,045 $1,869 $1,869 $5,876 $6,007 $2,036 $2,098
Liberty Mutual $3,524 $129 $2,904 $3,240 $14,069 $15,619 $3,775 $4,022
Nationwide $2,098 $2,121 $1,878 $1,915 $5,594 $7,251 $2,404 $2,626
Progressive $1,865 $1,767 $1,519 $1,584 $8,192 $9,239 $2,248 $2,455
State Farm $1,620 $1,620 $1,441 $1,441 $4,648 $5,845 $1,822 $2,103
Travelers $1,708 $1,798 $1,544 $1,644 $4,711 $5,812 $1,821 $1,916
USAA $1,571 $1,608 $1,412 $1,421 $5,442 $6,230 $2,051 $2,202

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Minimum Car Insurance in Cottage Grove, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Cottage Grove, Tennessee

Insurance Company Poor Fair Good
Allstate $6,065 $4,638 $3,548
Farmers $4,504 $3,511 $3,321
GEICO $3,385 $2,891 $2,657
Liberty Mutual $8,479 $5,190 $4,061
Nationwide $3,894 $3,084 $2,730
Progressive $4,068 $3,495 $3,262
State Farm $3,728 $2,237 $1,737
Travelers $3,336 $2,612 $1,910
USAA $3,989 $2,324 $1,913

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

Annual Cottage Grove, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,995 $4,750 $5,703 $4,553
Farmers $3,222 $3,996 $4,085 $3,812
GEICO $2,147 $2,897 $4,720 $2,147
Liberty Mutual $4,795 $6,903 $6,425 $5,518
Nationwide $2,795 $2,795 $4,216 $3,138
Progressive $3,180 $4,117 $3,389 $3,747
State Farm $2,359 $2,776 $2,568 $2,568
Travelers $2,127 $2,728 $3,006 $2,615
USAA $2,000 $2,980 $3,514 $2,474

Cheapest Cottage Grove, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cottage Grove, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,222 $11,106
Farmers $8,074 $8,546
GEICO $5,876 $6,007
Liberty Mutual $14,069 $15,619
Nationwide $5,594 $7,251
Progressive $8,192 $9,239
State Farm $4,648 $5,845
Travelers $4,711 $5,812
USAA $5,442 $6,230

Cheapest Cottage Grove, TN Car Insurance for Seniors

Take a look at Cottage Grove, 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 Cottage Grove, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,498 $2,594
Farmers $1,836 $1,993
GEICO $1,869 $1,869
Liberty Mutual $2,904 $3,240
Nationwide $1,878 $1,915
Progressive $1,519 $1,584
State Farm $1,441 $1,441
Travelers $1,544 $1,644
USAA $1,412 $1,421

Cheapest Cottage Grove, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cottage Grove, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,703
Farmers $4,085
GEICO $4,720
Liberty Mutual $6,425
Nationwide $4,216
Progressive $3,389
State Farm $2,568
Travelers $3,006
USAA $3,514

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Cheapest Cottage Grove, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cottage Grove, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,750 $4,750
Farmers $3,779 $3,779
GEICO $2,964 $2,992
Liberty Mutual $5,910 $5,910
Nationwide $3,236 $3,236
Progressive $3,608 $3,608
State Farm $2,507 $2,628
Travelers $2,516 $2,722
USAA $2,663 $2,822

The Best Cheap Car Insurance Companies in Cottage Grove, TN

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

Average Annual Car Insurance Rates by Company in Cottage Grove, Tennessee

Insurance Company Average Annual Rates
Allstate $4,750
Farmers $3,779
GEICO $2,978
Liberty Mutual $5,910
Nationwide $3,236
Progressive $3,608
State Farm $2,568
Travelers $2,619
USAA $2,742

Category Winners: Cheapest Car Insurance in Cottage Grove, Tennessee

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

Best Annual Car Insurance Rates by Company in Cottage Grove, Tennessee

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

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Cheapest Cottage Grove, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cottage Grove, Tennessee

Insurance Company Low Medium High
Allstate $4,586 $4,739 $4,926
Farmers $3,584 $3,761 $3,990
GEICO $2,842 $2,971 $3,120
Liberty Mutual $5,662 $5,907 $6,162
Nationwide $3,267 $3,162 $3,279
Progressive $3,388 $3,607 $3,830
State Farm $2,440 $2,577 $2,685
Travelers $2,475 $2,618 $2,765
USAA $2,655 $2,732 $2,840

What affects car insurance rates in Cottage Grove, Tennessee?

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

Commute Time in Cottage Grove

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottage Grove, TN is 38.5 minutes according to City-Data.

Compare Car Insurance Quotes in Cottage Grove, TN

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

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