Compare Elgin, TN Car Insurance Rates (2021)

Car insurance in Elgin, TN averages $299 a month. Elgin, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Elgin car insurance rates, compare quotes from the top car insurance companies in Elgin, 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 Elgin is USAA
  • Average car insurance rates in Elgin, TN are $3,593/year
  • The cheapest car insurance company in Elgin for teen drivers is Travelers

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

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

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

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

How do age, gender, and marital status affect Elgin, TN car insurance rates? Every Elgin, 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 Elgin, 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 $2,867 $2,749 $2,576 $2,675 $10,854 $11,796 $3,053 $3,163
Farmers $1,698 $1,726 $1,528 $1,660 $6,734 $7,118 $2,281 $2,439
GEICO $2,622 $2,644 $2,412 $2,412 $8,078 $8,214 $2,671 $2,756
Liberty Mutual $3,068 $129 $2,530 $2,824 $12,705 $14,108 $3,283 $3,486
Nationwide $2,080 $2,100 $1,864 $1,897 $5,607 $7,245 $2,385 $2,596
Progressive $1,851 $1,749 $1,505 $1,574 $8,329 $9,386 $2,237 $2,458
State Farm $1,686 $1,686 $1,513 $1,513 $5,065 $6,338 $1,903 $2,216
Travelers $1,762 $1,855 $1,595 $1,697 $4,869 $6,007 $1,878 $1,977
USAA $1,510 $1,535 $1,364 $1,363 $5,404 $6,201 $1,971 $2,098

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Minimum Car Insurance in Elgin, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Elgin, Tennessee

Insurance Company Poor Fair Good
Allstate $6,340 $4,853 $3,707
Farmers $3,752 $2,925 $2,767
GEICO $4,509 $3,865 $3,555
Liberty Mutual $7,528 $4,639 $3,632
Nationwide $3,874 $3,072 $2,719
Progressive $4,091 $3,524 $3,293
State Farm $3,980 $2,387 $1,853
Travelers $3,446 $2,698 $1,971
USAA $3,884 $2,278 $1,880

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

Annual Elgin, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,149 $4,953 $6,008 $4,757
Farmers $2,683 $3,332 $3,405 $3,173
GEICO $2,893 $3,872 $6,246 $2,893
Liberty Mutual $4,270 $6,161 $5,725 $4,910
Nationwide $2,787 $2,787 $4,187 $3,126
Progressive $3,202 $4,157 $3,409 $3,776
State Farm $2,503 $2,977 $2,740 $2,740
Travelers $2,197 $2,817 $3,105 $2,701
USAA $1,949 $2,922 $3,434 $2,418

Cheapest Elgin, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elgin, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,854 $11,796
Farmers $6,734 $7,118
GEICO $8,078 $8,214
Liberty Mutual $12,705 $14,108
Nationwide $5,607 $7,245
Progressive $8,329 $9,386
State Farm $5,065 $6,338
Travelers $4,869 $6,007
USAA $5,404 $6,201

Cheapest Elgin, TN Car Insurance for Seniors

Take a look at Elgin, 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 Elgin, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,576 $2,675
Farmers $1,528 $1,660
GEICO $2,412 $2,412
Liberty Mutual $2,530 $2,824
Nationwide $1,864 $1,897
Progressive $1,505 $1,574
State Farm $1,513 $1,513
Travelers $1,595 $1,697
USAA $1,364 $1,363

Cheapest Elgin, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elgin, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,008
Farmers $3,405
GEICO $6,246
Liberty Mutual $5,725
Nationwide $4,187
Progressive $3,409
State Farm $2,740
Travelers $3,105
USAA $3,434

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Cheapest Elgin, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elgin, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,967 $4,967
Farmers $3,148 $3,148
GEICO $3,950 $4,002
Liberty Mutual $5,267 $5,267
Nationwide $3,222 $3,222
Progressive $3,636 $3,636
State Farm $2,676 $2,804
Travelers $2,599 $2,811
USAA $2,606 $2,756

The Best Cheap Car Insurance Companies in Elgin, TN

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

Average Annual Car Insurance Rates by Company in Elgin, Tennessee

Insurance Company Average Annual Rates
Allstate $4,967
Farmers $3,148
GEICO $3,976
Liberty Mutual $5,267
Nationwide $3,222
Progressive $3,636
State Farm $2,740
Travelers $2,705
USAA $2,681

Category Winners: Cheapest Car Insurance in Elgin, Tennessee

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

Best Annual Car Insurance Rates by Company in Elgin, Tennessee

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

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Cheapest Elgin, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Elgin, Tennessee

Insurance Company Low Medium High
Allstate $4,796 $4,955 $5,149
Farmers $2,987 $3,134 $3,324
GEICO $3,786 $3,965 $4,177
Liberty Mutual $5,037 $5,267 $5,496
Nationwide $3,248 $3,150 $3,267
Progressive $3,439 $3,636 $3,833
State Farm $2,601 $2,751 $2,868
Travelers $2,552 $2,703 $2,860
USAA $2,596 $2,672 $2,775

What affects car insurance rates in Elgin, Tennessee?

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

Traffic in Elgin

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Elgin, TN traffic data from INRIX ranks Elgin as the 862nd-most congested in the world.

Compare Car Insurance Quotes in Elgin, TN

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

Free Car Insurance Comparison

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