Compare Franklin, TN Car Insurance Rates (2021)

Car insurance in Franklin, TN averages $288 a month. Franklin, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Franklin car insurance rates, compare quotes from the top car insurance companies in Franklin, 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 Franklin is USAA
  • The cheapest ZIP code in Franklin is 37067
  • Average car insurance rates in Franklin, TN after a DUI are $4,042/year

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

You’ll find Franklin car insurance rates, the cheapest Franklin, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Franklin, Tennessee car insurance rates to Knoxville car insurance rates, Murfreesboro car insurance rates, and Jackson car insurance rates.

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

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

How do age, gender, and marital status affect Franklin, TN car insurance rates? Every Franklin, 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 Franklin, 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 $2,585 $2,480 $2,334 $2,422 $9,820 $10,718 $2,746 $2,834
Farmers $1,380 $1,404 $1,232 $1,351 $5,634 $6,001 $1,877 $2,002
GEICO $1,966 $1,978 $1,803 $1,803 $6,231 $6,319 $2,014 $2,079
Liberty Mutual $3,456 $129 $2,834 $3,163 $14,565 $16,178 $3,711 $3,951
Nationwide $2,179 $2,195 $1,954 $1,983 $6,026 $7,761 $2,507 $2,717
Progressive $1,806 $1,691 $1,479 $1,544 $8,416 $9,456 $2,179 $2,379
State Farm $1,618 $1,618 $1,468 $1,468 $5,047 $6,312 $1,831 $2,126
Travelers $1,748 $1,840 $1,599 $1,702 $4,984 $6,217 $1,859 $1,955
USAA $1,423 $1,444 $1,287 $1,283 $5,099 $5,862 $1,855 $1,968

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Minimum Car Insurance in Franklin, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Franklin, Tennessee

Insurance Company Poor Fair Good
Allstate $5,719 $4,396 $3,361
Farmers $3,091 $2,435 $2,305
GEICO $3,425 $2,941 $2,706
Liberty Mutual $8,577 $5,284 $4,133
Nationwide $4,094 $3,259 $2,892
Progressive $4,048 $3,514 $3,293
State Farm $3,901 $2,340 $1,817
Travelers $3,474 $2,742 $1,998
USAA $3,656 $2,150 $1,776

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

Annual Franklin, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,759 $4,484 $5,424 $4,303
Farmers $2,237 $2,755 $2,805 $2,643
GEICO $2,211 $2,947 $4,727 $2,211
Liberty Mutual $4,858 $7,022 $6,526 $5,588
Nationwide $2,956 $2,956 $4,435 $3,313
Progressive $3,185 $4,152 $3,391 $3,746
State Farm $2,442 $2,930 $2,686 $2,686
Travelers $2,218 $2,852 $3,155 $2,726
USAA $1,839 $2,756 $3,233 $2,282

Cheapest Franklin, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Franklin, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,820 $10,718
Farmers $5,634 $6,001
GEICO $6,231 $6,319
Liberty Mutual $14,565 $16,178
Nationwide $6,026 $7,761
Progressive $8,416 $9,456
State Farm $5,047 $6,312
Travelers $4,984 $6,217
USAA $5,099 $5,862

Cheapest Franklin, TN Car Insurance for Seniors

Take a look at Franklin, 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 Franklin, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,334 $2,422
Farmers $1,232 $1,351
GEICO $1,803 $1,803
Liberty Mutual $2,834 $3,163
Nationwide $1,954 $1,983
Progressive $1,479 $1,544
State Farm $1,468 $1,468
Travelers $1,599 $1,702
USAA $1,287 $1,283

Cheapest Franklin, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Franklin, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,424
Farmers $2,805
GEICO $4,727
Liberty Mutual $6,526
Nationwide $4,435
Progressive $3,391
State Farm $2,686
Travelers $3,155
USAA $3,233

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Cheapest Franklin, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Franklin, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,492 $4,492
Farmers $2,610 $2,610
GEICO $3,002 $3,047
Liberty Mutual $5,998 $5,998
Nationwide $3,415 $3,415
Progressive $3,619 $3,619
State Farm $2,621 $2,751
Travelers $2,630 $2,845
USAA $2,458 $2,597

Cheapest Franklin, TN Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Franklin, Tennessee

ZIP Code Average Annual Rates
37064 $3,522
37067 $3,473
37069 $3,548

The Best Cheap Car Insurance Companies in Franklin, TN

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

Average Annual Car Insurance Rates by Company in Franklin, Tennessee

Insurance Company Average Annual Rates
Allstate $4,492
Farmers $2,610
GEICO $3,024
Liberty Mutual $5,998
Nationwide $3,415
Progressive $3,619
State Farm $2,686
Travelers $2,738
USAA $2,528

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Category Winners: Cheapest Car Insurance in Franklin, Tennessee

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

Best Annual Car Insurance Rates by Company in Franklin, Tennessee

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

Cheapest Franklin, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Franklin, Tennessee

Insurance Company Low Medium High
Allstate $4,332 $4,482 $4,663
Farmers $2,486 $2,603 $2,741
GEICO $2,877 $3,022 $3,174
Liberty Mutual $5,756 $6,001 $6,238
Nationwide $3,438 $3,344 $3,464
Progressive $3,377 $3,626 $3,853
State Farm $2,519 $2,700 $2,839
Travelers $2,566 $2,736 $2,911
USAA $2,449 $2,520 $2,614

What affects car insurance rates in Franklin, Tennessee?

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

Commute Time in Franklin

The more time you spend in your car the higher the risk of an accident. The average commute length in Franklin, TN is 25.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Franklin, TN

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

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