Compare Jefferson City, TN Car Insurance Rates (2021)

Car insurance in Jefferson City, TN averages $302 a month. Jefferson City, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Jefferson City car insurance rates, compare quotes from the top car insurance companies in Jefferson City, 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 Jefferson City for teen drivers is State Farm
  • The cheapest car insurance company in Jefferson City is State Farm
  • Average car insurance rates in Jefferson City, TN after a DUI are $4,248/year

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

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

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

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

How do age, gender, and marital status affect Jefferson City, TN car insurance rates? Every Jefferson City, 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 Jefferson City, 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 $2,878 $2,756 $2,591 $2,690 $10,972 $11,920 $3,057 $3,163
Farmers $1,962 $1,999 $1,761 $1,939 $8,151 $8,695 $2,662 $2,800
GEICO $2,053 $2,066 $1,885 $1,885 $6,467 $6,558 $2,100 $2,168
Liberty Mutual $3,468 $129 $2,856 $3,192 $14,069 $15,632 $3,713 $3,953
Nationwide $2,126 $2,141 $1,908 $1,936 $5,884 $7,568 $2,446 $2,647
Progressive $1,786 $1,679 $1,456 $1,525 $8,142 $9,153 $2,153 $2,351
State Farm $1,480 $1,480 $1,340 $1,340 $4,599 $5,742 $1,674 $1,951
Travelers $1,783 $1,879 $1,614 $1,720 $4,926 $6,090 $1,902 $2,003
USAA $1,562 $1,588 $1,413 $1,411 $5,662 $6,479 $2,045 $2,176

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Minimum Car Insurance in Jefferson City, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Jefferson City, Tennessee

Insurance Company Poor Fair Good
Allstate $6,390 $4,888 $3,731
Farmers $4,452 $3,487 $3,299
GEICO $3,566 $3,060 $2,816
Liberty Mutual $8,424 $5,165 $4,041
Nationwide $4,005 $3,178 $2,813
Progressive $3,963 $3,425 $3,203
State Farm $3,558 $2,135 $1,659
Travelers $3,493 $2,731 $1,995
USAA $4,042 $2,374 $1,960

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

Annual Jefferson City, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,175 $4,988 $6,059 $4,791
Farmers $3,203 $3,954 $4,056 $3,771
GEICO $2,304 $3,067 $4,914 $2,304
Liberty Mutual $4,768 $6,868 $6,387 $5,483
Nationwide $2,887 $2,887 $4,320 $3,233
Progressive $3,109 $4,042 $3,310 $3,661
State Farm $2,229 $2,672 $2,451 $2,451
Travelers $2,222 $2,850 $3,152 $2,734
USAA $2,026 $3,047 $3,582 $2,513

Cheapest Jefferson City, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Jefferson City, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,972 $11,920
Farmers $8,151 $8,695
GEICO $6,467 $6,558
Liberty Mutual $14,069 $15,632
Nationwide $5,884 $7,568
Progressive $8,142 $9,153
State Farm $4,599 $5,742
Travelers $4,926 $6,090
USAA $5,662 $6,479

Cheapest Jefferson City, TN Car Insurance for Seniors

Take a look at Jefferson City, 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 Jefferson City, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,591 $2,690
Farmers $1,761 $1,939
GEICO $1,885 $1,885
Liberty Mutual $2,856 $3,192
Nationwide $1,908 $1,936
Progressive $1,456 $1,525
State Farm $1,340 $1,340
Travelers $1,614 $1,720
USAA $1,413 $1,411

Cheapest Jefferson City, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Jefferson City, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,059
Farmers $4,056
GEICO $4,914
Liberty Mutual $6,387
Nationwide $4,320
Progressive $3,310
State Farm $2,451
Travelers $3,152
USAA $3,582

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Cheapest Jefferson City, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Jefferson City, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,003 $5,003
Farmers $3,746 $3,746
GEICO $3,125 $3,170
Liberty Mutual $5,877 $5,877
Nationwide $3,332 $3,332
Progressive $3,531 $3,531
State Farm $2,392 $2,509
Travelers $2,632 $2,847
USAA $2,713 $2,871

The Best Cheap Car Insurance Companies in Jefferson City, TN

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

Average Annual Car Insurance Rates by Company in Jefferson City, Tennessee

Insurance Company Average Annual Rates
Allstate $5,003
Farmers $3,746
GEICO $3,148
Liberty Mutual $5,877
Nationwide $3,332
Progressive $3,531
State Farm $2,451
Travelers $2,740
USAA $2,792

Category Winners: Cheapest Car Insurance in Jefferson City, Tennessee

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

Best Annual Car Insurance Rates by Company in Jefferson City, Tennessee

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

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Cheapest Jefferson City, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Jefferson City, Tennessee

Insurance Company Low Medium High
Allstate $4,815 $4,990 $5,204
Farmers $3,520 $3,727 $3,992
GEICO $2,976 $3,139 $3,327
Liberty Mutual $5,613 $5,874 $6,142
Nationwide $3,356 $3,261 $3,378
Progressive $3,315 $3,532 $3,744
State Farm $2,309 $2,462 $2,581
Travelers $2,578 $2,738 $2,904
USAA $2,697 $2,781 $2,898

What affects car insurance rates in Jefferson City, Tennessee?

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

Commute Time in Jefferson City

The more time you spend in your car the higher the risk of an accident. The average commute length in Jefferson City, TN is 20.9 minutes according to City-Data.

Compare Car Insurance Quotes in Jefferson City, TN

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

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