Compare Cowan, TN Car Insurance Rates (2021)

Car insurance in Cowan, TN averages $284 a month. Cowan, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Cowan car insurance rates, compare quotes from the top car insurance companies in Cowan, 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

  • Average car insurance rates in Cowan, TN are $3,413/year
  • The cheapest car insurance company in Cowan for teen drivers is State Farm
  • Average car insurance rates in Cowan, TN after a DUI are $4,006/year

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

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

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

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

How do age, gender, and marital status affect Cowan, TN car insurance rates? Every Cowan, 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 Cowan, 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 $2,726 $2,626 $2,446 $2,540 $10,009 $10,888 $2,924 $3,030
Farmers $1,494 $1,521 $1,344 $1,469 $5,992 $6,376 $2,016 $2,132
GEICO $2,199 $2,224 $2,031 $2,031 $6,481 $6,617 $2,221 $2,290
Liberty Mutual $3,413 $129 $2,805 $3,135 $13,799 $15,339 $3,661 $3,907
Nationwide $2,029 $2,050 $1,818 $1,853 $5,414 $7,005 $2,323 $2,533
Progressive $1,890 $1,786 $1,539 $1,609 $8,441 $9,508 $2,281 $2,494
State Farm $1,470 $1,470 $1,324 $1,324 $4,460 $5,580 $1,660 $1,929
Travelers $1,653 $1,741 $1,495 $1,592 $4,501 $5,549 $1,761 $1,853
USAA $1,418 $1,443 $1,281 $1,280 $5,012 $5,748 $1,845 $1,968

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Minimum Car Insurance in Cowan, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Cowan, Tennessee

Insurance Company Poor Fair Good
Allstate $5,933 $4,540 $3,473
Farmers $3,325 $2,597 $2,457
GEICO $3,706 $3,168 $2,911
Liberty Mutual $8,281 $5,071 $3,969
Nationwide $3,761 $2,980 $2,643
Progressive $4,157 $3,580 $3,344
State Farm $3,487 $2,093 $1,626
Travelers $3,210 $2,508 $1,836
USAA $3,624 $2,123 $1,751

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

Annual Cowan, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,912 $4,652 $5,575 $4,456
Farmers $2,387 $2,947 $3,017 $2,821
GEICO $2,356 $3,174 $5,162 $2,356
Liberty Mutual $4,686 $6,744 $6,275 $5,389
Nationwide $2,704 $2,704 $4,070 $3,033
Progressive $3,254 $4,221 $3,465 $3,835
State Farm $2,192 $2,613 $2,402 $2,402
Travelers $2,049 $2,620 $2,890 $2,514
USAA $1,821 $2,721 $3,200 $2,255

Cheapest Cowan, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cowan, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,009 $10,888
Farmers $5,992 $6,376
GEICO $6,481 $6,617
Liberty Mutual $13,799 $15,339
Nationwide $5,414 $7,005
Progressive $8,441 $9,508
State Farm $4,460 $5,580
Travelers $4,501 $5,549
USAA $5,012 $5,748

Cheapest Cowan, TN Car Insurance for Seniors

Take a look at Cowan, 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 Cowan, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,446 $2,540
Farmers $1,344 $1,469
GEICO $2,031 $2,031
Liberty Mutual $2,805 $3,135
Nationwide $1,818 $1,853
Progressive $1,539 $1,609
State Farm $1,324 $1,324
Travelers $1,495 $1,592
USAA $1,281 $1,280

Cheapest Cowan, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cowan, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,575
Farmers $3,017
GEICO $5,162
Liberty Mutual $6,275
Nationwide $4,070
Progressive $3,465
State Farm $2,402
Travelers $2,890
USAA $3,200

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Cheapest Cowan, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cowan, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,649 $4,649
Farmers $2,793 $2,793
GEICO $3,245 $3,278
Liberty Mutual $5,774 $5,774
Nationwide $3,128 $3,128
Progressive $3,694 $3,694
State Farm $2,345 $2,459
Travelers $2,420 $2,616
USAA $2,429 $2,569

The Best Cheap Car Insurance Companies in Cowan, TN

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

Average Annual Car Insurance Rates by Company in Cowan, Tennessee

Insurance Company Average Annual Rates
Allstate $4,649
Farmers $2,793
GEICO $3,262
Liberty Mutual $5,774
Nationwide $3,128
Progressive $3,694
State Farm $2,402
Travelers $2,518
USAA $2,499

Category Winners: Cheapest Car Insurance in Cowan, Tennessee

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

Best Annual Car Insurance Rates by Company in Cowan, 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 USAA

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Cheapest Cowan, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cowan, Tennessee

Insurance Company Low Medium High
Allstate $4,473 $4,637 $4,836
Farmers $2,636 $2,780 $2,963
GEICO $3,097 $3,252 $3,436
Liberty Mutual $5,521 $5,771 $6,029
Nationwide $3,154 $3,057 $3,173
Progressive $3,480 $3,694 $3,907
State Farm $2,269 $2,413 $2,525
Travelers $2,372 $2,516 $2,666
USAA $2,422 $2,491 $2,584

What affects car insurance rates in Cowan, Tennessee?

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

Commute Time in Cowan

The more time you spend in your car the higher the risk of an accident. The average commute length in Cowan, TN is 20.8 minutes according to City-Data.

Compare Car Insurance Quotes in Cowan, TN

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

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