Compare Liberty, TN Car Insurance Rates (2021)

Car insurance in Liberty, TN averages $309 a month. Liberty, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Liberty car insurance rates, compare quotes from the top car insurance companies in Liberty, 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

  • Average car insurance rates in Liberty, TN after a DUI are $4,344/year
  • The cheapest car insurance company in Liberty is State Farm
  • The cheapest car insurance company in Liberty for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Liberty, TN car insurance rates? Every Liberty, 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 Liberty, 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 $2,779 $2,677 $2,495 $2,591 $10,267 $11,201 $2,977 $3,084
Farmers $2,002 $2,033 $1,797 $1,951 $7,996 $8,459 $2,695 $2,890
GEICO $2,356 $2,378 $2,171 $2,171 $7,151 $7,280 $2,393 $2,469
Liberty Mutual $3,820 $129 $3,129 $3,495 $15,540 $17,267 $4,106 $4,387
Nationwide $2,091 $2,107 $1,876 $1,905 $5,731 $7,382 $2,402 $2,604
Progressive $1,882 $1,779 $1,530 $1,600 $8,417 $9,486 $2,272 $2,491
State Farm $1,531 $1,531 $1,372 $1,372 $4,598 $5,744 $1,727 $2,017
Travelers $1,782 $1,875 $1,623 $1,726 $5,036 $6,242 $1,898 $1,997
USAA $1,479 $1,504 $1,336 $1,335 $5,281 $6,053 $1,929 $2,056

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Minimum Car Insurance in Liberty, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Liberty, Tennessee

Insurance Company Poor Fair Good
Allstate $6,067 $4,652 $3,558
Farmers $4,435 $3,468 $3,281
GEICO $4,024 $3,446 $3,169
Liberty Mutual $9,301 $5,696 $4,455
Nationwide $3,914 $3,111 $2,763
Progressive $4,145 $3,568 $3,333
State Farm $3,610 $2,166 $1,683
Travelers $3,524 $2,772 $2,021
USAA $3,800 $2,228 $1,838

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

Annual Liberty, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,002 $4,760 $5,712 $4,561
Farmers $3,180 $3,945 $4,028 $3,760
GEICO $2,575 $3,453 $5,581 $2,575
Liberty Mutual $5,259 $7,577 $7,052 $6,049
Nationwide $2,825 $2,825 $4,234 $3,165
Progressive $3,243 $4,208 $3,454 $3,824
State Farm $2,271 $2,702 $2,486 $2,486
Travelers $2,247 $2,889 $3,188 $2,766
USAA $1,907 $2,857 $3,360 $2,364

Cheapest Liberty, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Liberty, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,267 $11,201
Farmers $7,996 $8,459
GEICO $7,151 $7,280
Liberty Mutual $15,540 $17,267
Nationwide $5,731 $7,382
Progressive $8,417 $9,486
State Farm $4,598 $5,744
Travelers $5,036 $6,242
USAA $5,281 $6,053

Cheapest Liberty, TN Car Insurance for Seniors

Take a look at Liberty, 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 Liberty, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,495 $2,591
Farmers $1,797 $1,951
GEICO $2,171 $2,171
Liberty Mutual $3,129 $3,495
Nationwide $1,876 $1,905
Progressive $1,530 $1,600
State Farm $1,372 $1,372
Travelers $1,623 $1,726
USAA $1,336 $1,335

Cheapest Liberty, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Liberty, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,712
Farmers $4,028
GEICO $5,581
Liberty Mutual $7,052
Nationwide $4,234
Progressive $3,454
State Farm $2,486
Travelers $3,188
USAA $3,360

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Cheapest Liberty, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Liberty, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,759 $4,759
Farmers $3,728 $3,728
GEICO $3,525 $3,568
Liberty Mutual $6,484 $6,484
Nationwide $3,262 $3,262
Progressive $3,682 $3,682
State Farm $2,429 $2,544
Travelers $2,663 $2,881
USAA $2,548 $2,696

The Best Cheap Car Insurance Companies in Liberty, TN

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

Average Annual Car Insurance Rates by Company in Liberty, Tennessee

Insurance Company Average Annual Rates
Allstate $4,759
Farmers $3,728
GEICO $3,546
Liberty Mutual $6,484
Nationwide $3,262
Progressive $3,682
State Farm $2,486
Travelers $2,772
USAA $2,622

Category Winners: Cheapest Car Insurance in Liberty, Tennessee

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

Best Annual Car Insurance Rates by Company in Liberty, Tennessee

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

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Cheapest Liberty, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Liberty, Tennessee

Insurance Company Low Medium High
Allstate $4,597 $4,748 $4,932
Farmers $3,548 $3,713 $3,923
GEICO $3,385 $3,539 $3,715
Liberty Mutual $6,224 $6,484 $6,744
Nationwide $3,282 $3,194 $3,311
Progressive $3,475 $3,681 $3,890
State Farm $2,366 $2,495 $2,597
Travelers $2,610 $2,771 $2,936
USAA $2,539 $2,613 $2,714

What affects car insurance rates in Liberty, Tennessee?

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

Commute Time in Liberty

The more time you spend in your car the higher the risk of an accident. The average commute length in Liberty, TN is 31.3 minutes according to City-Data.

Compare Car Insurance Quotes in Liberty, TN

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

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