Compare Lancaster, TN Car Insurance Rates (2021)

Car insurance in Lancaster, TN averages $306 a month. Lancaster, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Lancaster car insurance rates, compare quotes from the top car insurance companies in Lancaster, 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 Lancaster is USAA
  • The cheapest car insurance company in Lancaster for teen drivers is State Farm
  • Average car insurance rates in Lancaster, TN after a DUI are $4,288/year

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

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

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

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

How do age, gender, and marital status affect Lancaster, TN car insurance rates? Every Lancaster, 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 Lancaster, 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 $2,773 $2,672 $2,490 $2,586 $10,245 $11,177 $2,972 $3,078
Farmers $2,002 $2,033 $1,797 $1,951 $7,996 $8,459 $2,695 $2,890
GEICO $2,082 $2,102 $1,919 $1,919 $6,270 $6,388 $2,112 $2,178
Liberty Mutual $3,820 $129 $3,129 $3,495 $15,540 $17,267 $4,106 $4,387
Nationwide $2,076 $2,095 $1,860 $1,893 $5,610 $7,244 $2,381 $2,590
Progressive $1,854 $1,754 $1,508 $1,575 $8,270 $9,318 $2,241 $2,457
State Farm $1,616 $1,616 $1,450 $1,450 $4,873 $6,085 $1,824 $2,133
Travelers $1,870 $1,968 $1,706 $1,816 $5,346 $6,647 $1,992 $2,097
USAA $1,459 $1,484 $1,317 $1,316 $5,185 $5,947 $1,900 $2,026

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Minimum Car Insurance in Lancaster, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Lancaster, Tennessee

Insurance Company Poor Fair Good
Allstate $6,054 $4,643 $3,551
Farmers $4,435 $3,468 $3,281
GEICO $3,543 $3,033 $2,788
Liberty Mutual $9,301 $5,696 $4,455
Nationwide $3,876 $3,066 $2,714
Progressive $4,079 $3,510 $3,277
State Farm $3,821 $2,292 $1,780
Travelers $3,724 $2,932 $2,135
USAA $3,741 $2,190 $1,806

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

Annual Lancaster, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,995 $4,750 $5,700 $4,552
Farmers $3,180 $3,945 $4,028 $3,760
GEICO $2,263 $3,038 $4,922 $2,263
Liberty Mutual $5,259 $7,577 $7,052 $6,049
Nationwide $2,786 $2,786 $4,181 $3,123
Progressive $3,191 $4,138 $3,397 $3,762
State Farm $2,402 $2,860 $2,631 $2,631
Travelers $2,371 $3,053 $3,376 $2,921
USAA $1,878 $2,809 $3,305 $2,326

Cheapest Lancaster, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lancaster, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,245 $11,177
Farmers $7,996 $8,459
GEICO $6,270 $6,388
Liberty Mutual $15,540 $17,267
Nationwide $5,610 $7,244
Progressive $8,270 $9,318
State Farm $4,873 $6,085
Travelers $5,346 $6,647
USAA $5,185 $5,947

Cheapest Lancaster, TN Car Insurance for Seniors

Take a look at Lancaster, 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 Lancaster, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,490 $2,586
Farmers $1,797 $1,951
GEICO $1,919 $1,919
Liberty Mutual $3,129 $3,495
Nationwide $1,860 $1,893
Progressive $1,508 $1,575
State Farm $1,450 $1,450
Travelers $1,706 $1,816
USAA $1,317 $1,316

Cheapest Lancaster, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lancaster, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,700
Farmers $4,028
GEICO $4,922
Liberty Mutual $7,052
Nationwide $4,181
Progressive $3,397
State Farm $2,631
Travelers $3,376
USAA $3,305

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Cheapest Lancaster, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lancaster, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,749 $4,749
Farmers $3,728 $3,728
GEICO $3,103 $3,139
Liberty Mutual $6,484 $6,484
Nationwide $3,219 $3,219
Progressive $3,622 $3,622
State Farm $2,570 $2,691
Travelers $2,815 $3,046
USAA $2,507 $2,652

The Best Cheap Car Insurance Companies in Lancaster, TN

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

Average Annual Car Insurance Rates by Company in Lancaster, Tennessee

Insurance Company Average Annual Rates
Allstate $4,749
Farmers $3,728
GEICO $3,121
Liberty Mutual $6,484
Nationwide $3,219
Progressive $3,622
State Farm $2,631
Travelers $2,930
USAA $2,579

Category Winners: Cheapest Car Insurance in Lancaster, Tennessee

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

Best Annual Car Insurance Rates by Company in Lancaster, Tennessee

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

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Cheapest Lancaster, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lancaster, Tennessee

Insurance Company Low Medium High
Allstate $4,587 $4,738 $4,922
Farmers $3,548 $3,713 $3,923
GEICO $2,977 $3,114 $3,272
Liberty Mutual $6,224 $6,484 $6,744
Nationwide $3,248 $3,149 $3,259
Progressive $3,433 $3,623 $3,810
State Farm $2,505 $2,640 $2,746
Travelers $2,753 $2,928 $3,109
USAA $2,501 $2,571 $2,666

What affects car insurance rates in Lancaster, Tennessee?

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

Traffic in Lancaster

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lancaster, TN traffic data from INRIX ranks Lancaster as the 297th-most congested in the world.

Compare Car Insurance Quotes in Lancaster, TN

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

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