Compare Henderson, TN Car Insurance Rates (2021)

Car insurance in Henderson, TN averages $312 a month. Henderson, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Henderson car insurance rates, compare quotes from the top car insurance companies in Henderson, 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

  • The cheapest car insurance company in Henderson for teen drivers is Travelers
  • Average car insurance rates in Henderson, TN after a DUI are $4,390/year
  • The cheapest car insurance company in Henderson is Travelers

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

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

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

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

How do age, gender, and marital status affect Henderson, TN car insurance rates? Every Henderson, 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 Henderson, 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 $2,885 $2,776 $2,589 $2,689 $10,704 $11,641 $3,090 $3,200
Farmers $1,933 $1,967 $1,742 $1,900 $7,727 $8,208 $2,601 $2,752
GEICO $2,337 $2,366 $2,162 $2,162 $6,779 $6,933 $2,354 $2,426
Liberty Mutual $3,899 $129 $3,203 $3,576 $15,829 $17,581 $4,186 $4,468
Nationwide $2,098 $2,121 $1,878 $1,915 $5,594 $7,251 $2,404 $2,626
Progressive $1,853 $1,758 $1,511 $1,571 $8,098 $9,130 $2,238 $2,445
State Farm $1,741 $1,741 $1,568 $1,568 $5,316 $6,648 $1,967 $2,290
Travelers $1,761 $1,853 $1,591 $1,694 $4,884 $6,013 $1,879 $1,979
USAA $1,549 $1,581 $1,394 $1,399 $5,421 $6,223 $2,024 $2,163

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Minimum Car Insurance in Henderson, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Henderson, Tennessee

Insurance Company Poor Fair Good
Allstate $6,318 $4,831 $3,691
Farmers $4,297 $3,348 $3,166
GEICO $3,911 $3,340 $3,069
Liberty Mutual $9,490 $5,802 $4,535
Nationwide $3,894 $3,084 $2,730
Progressive $4,035 $3,462 $3,230
State Farm $4,148 $2,487 $1,931
Travelers $3,447 $2,700 $1,973
USAA $3,948 $2,307 $1,902

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

Annual Henderson, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,155 $4,947 $5,945 $4,740
Farmers $3,075 $3,806 $3,901 $3,634
GEICO $2,475 $3,346 $5,464 $2,475
Liberty Mutual $5,355 $7,724 $7,189 $6,168
Nationwide $2,795 $2,795 $4,216 $3,138
Progressive $3,152 $4,078 $3,358 $3,715
State Farm $2,603 $3,107 $2,855 $2,855
Travelers $2,197 $2,822 $3,103 $2,705
USAA $1,981 $2,959 $3,481 $2,456

Cheapest Henderson, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Henderson, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,704 $11,641
Farmers $7,727 $8,208
GEICO $6,779 $6,933
Liberty Mutual $15,829 $17,581
Nationwide $5,594 $7,251
Progressive $8,098 $9,130
State Farm $5,316 $6,648
Travelers $4,884 $6,013
USAA $5,421 $6,223

Cheapest Henderson, TN Car Insurance for Seniors

Take a look at Henderson, 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 Henderson, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,589 $2,689
Farmers $1,742 $1,900
GEICO $2,162 $2,162
Liberty Mutual $3,203 $3,576
Nationwide $1,878 $1,915
Progressive $1,511 $1,571
State Farm $1,568 $1,568
Travelers $1,591 $1,694
USAA $1,394 $1,399

Cheapest Henderson, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Henderson, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,945
Farmers $3,901
GEICO $5,464
Liberty Mutual $7,189
Nationwide $4,216
Progressive $3,358
State Farm $2,855
Travelers $3,103
USAA $3,481

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Cheapest Henderson, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Henderson, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,947 $4,947
Farmers $3,604 $3,604
GEICO $3,424 $3,455
Liberty Mutual $6,609 $6,609
Nationwide $3,236 $3,236
Progressive $3,576 $3,576
State Farm $2,787 $2,923
Travelers $2,600 $2,813
USAA $2,642 $2,796

The Best Cheap Car Insurance Companies in Henderson, TN

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

Average Annual Car Insurance Rates by Company in Henderson, Tennessee

Insurance Company Average Annual Rates
Allstate $4,947
Farmers $3,604
GEICO $3,440
Liberty Mutual $6,609
Nationwide $3,236
Progressive $3,576
State Farm $2,855
Travelers $2,707
USAA $2,719

Category Winners: Cheapest Car Insurance in Henderson, Tennessee

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

Best Annual Car Insurance Rates by Company in Henderson, 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 Henderson, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Henderson, Tennessee

Insurance Company Low Medium High
Allstate $4,757 $4,934 $5,149
Farmers $3,397 $3,585 $3,829
GEICO $3,294 $3,432 $3,593
Liberty Mutual $6,334 $6,606 $6,887
Nationwide $3,267 $3,162 $3,279
Progressive $3,380 $3,578 $3,768
State Farm $2,700 $2,868 $2,997
Travelers $2,565 $2,705 $2,850
USAA $2,634 $2,710 $2,814

What affects car insurance rates in Henderson, Tennessee?

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

Commute Time in Henderson

The more time you spend in your car the higher the risk of an accident. The average commute length in Henderson, TN is 22.8 minutes according to City-Data.

Compare Car Insurance Quotes in Henderson, TN

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

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