Compare Cottontown, TN Car Insurance Rates (2021)

Car insurance in Cottontown, TN averages $287 a month. Cottontown, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Cottontown car insurance rates, compare quotes from the top car insurance companies in Cottontown, TN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Cottontown is State Farm
  • The cheapest car insurance company in Cottontown for teen drivers is State Farm
  • Average car insurance rates in Cottontown, TN after a DUI are $4,051/year

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

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

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

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

How do age, gender, and marital status affect Cottontown, TN car insurance rates? Every Cottontown, 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 Cottontown, 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 $2,723 $2,612 $2,458 $2,550 $10,304 $11,233 $2,893 $2,986
Farmers $1,489 $1,518 $1,334 $1,468 $6,054 $6,450 $2,020 $2,137
GEICO $2,042 $2,056 $1,875 $1,875 $6,392 $6,489 $2,086 $2,154
Liberty Mutual $3,283 $129 $2,696 $3,016 $13,881 $15,433 $3,519 $3,740
Nationwide $2,142 $2,157 $1,922 $1,950 $5,903 $7,600 $2,463 $2,669
Progressive $1,718 $1,614 $1,404 $1,467 $7,895 $8,874 $2,073 $2,263
State Farm $1,517 $1,517 $1,377 $1,377 $4,734 $5,918 $1,717 $1,995
Travelers $1,702 $1,789 $1,563 $1,662 $4,887 $6,098 $1,807 $1,900
USAA $1,522 $1,546 $1,376 $1,374 $5,520 $6,333 $1,994 $2,117

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Minimum Car Insurance in Cottontown, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Cottontown, Tennessee

Insurance Company Poor Fair Good
Allstate $6,020 $4,615 $3,525
Farmers $3,337 $2,615 $2,474
GEICO $3,537 $3,034 $2,792
Liberty Mutual $8,161 $5,035 $3,941
Nationwide $4,014 $3,199 $2,838
Progressive $3,827 $3,313 $3,100
State Farm $3,658 $2,195 $1,705
Travelers $3,393 $2,681 $1,953
USAA $3,938 $2,317 $1,914

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

Annual Cottontown, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,950 $4,710 $5,698 $4,521
Farmers $2,404 $2,965 $3,026 $2,840
GEICO $2,278 $3,041 $4,887 $2,278
Liberty Mutual $4,631 $6,688 $6,209 $5,321
Nationwide $2,902 $2,902 $4,347 $3,251
Progressive $3,006 $3,911 $3,200 $3,537
State Farm $2,290 $2,748 $2,519 $2,519
Travelers $2,167 $2,786 $3,086 $2,665
USAA $1,976 $2,972 $3,490 $2,453

Cheapest Cottontown, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cottontown, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,304 $11,233
Farmers $6,054 $6,450
GEICO $6,392 $6,489
Liberty Mutual $13,881 $15,433
Nationwide $5,903 $7,600
Progressive $7,895 $8,874
State Farm $4,734 $5,918
Travelers $4,887 $6,098
USAA $5,520 $6,333

Cheapest Cottontown, TN Car Insurance for Seniors

Take a look at Cottontown, 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 Cottontown, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,458 $2,550
Farmers $1,334 $1,468
GEICO $1,875 $1,875
Liberty Mutual $2,696 $3,016
Nationwide $1,922 $1,950
Progressive $1,404 $1,467
State Farm $1,377 $1,377
Travelers $1,563 $1,662
USAA $1,376 $1,374

Cheapest Cottontown, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cottontown, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,698
Farmers $3,026
GEICO $4,887
Liberty Mutual $6,209
Nationwide $4,347
Progressive $3,200
State Farm $2,519
Travelers $3,086
USAA $3,490

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Cheapest Cottontown, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cottontown, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,720 $4,720
Farmers $2,809 $2,809
GEICO $3,099 $3,143
Liberty Mutual $5,712 $5,712
Nationwide $3,351 $3,351
Progressive $3,413 $3,413
State Farm $2,458 $2,580
Travelers $2,571 $2,780
USAA $2,647 $2,799

The Best Cheap Car Insurance Companies in Cottontown, TN

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

Average Annual Car Insurance Rates by Company in Cottontown, Tennessee

Insurance Company Average Annual Rates
Allstate $4,720
Farmers $2,809
GEICO $3,121
Liberty Mutual $5,712
Nationwide $3,351
Progressive $3,413
State Farm $2,519
Travelers $2,676
USAA $2,723

Category Winners: Cheapest Car Insurance in Cottontown, Tennessee

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

Best Annual Car Insurance Rates by Company in Cottontown, Tennessee

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

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Cheapest Cottontown, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cottontown, Tennessee

Insurance Company Low Medium High
Allstate $4,539 $4,707 $4,914
Farmers $2,655 $2,797 $2,975
GEICO $2,979 $3,117 $3,268
Liberty Mutual $5,456 $5,714 $5,967
Nationwide $3,367 $3,277 $3,408
Progressive $3,198 $3,418 $3,625
State Farm $2,364 $2,532 $2,662
Travelers $2,504 $2,673 $2,850
USAA $2,632 $2,712 $2,823

What affects car insurance rates in Cottontown, Tennessee?

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

Commute Time in Cottontown

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottontown, TN is 24.2 minutes according to City-Data.

Compare Car Insurance Quotes in Cottontown, TN

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

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