Compare Lutts, TN Car Insurance Rates (2021)

Car insurance in Lutts, TN averages $298 a month. Lutts, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Lutts car insurance rates, compare quotes from the top car insurance companies in Lutts, 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 Lutts for teen drivers is State Farm
  • The cheapest car insurance company in Lutts is State Farm
  • Average car insurance rates in Lutts, TN are $3,580/year

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

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

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

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

How do age, gender, and marital status affect Lutts, TN car insurance rates? Every Lutts, 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 Lutts, 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 $2,838 $2,736 $2,540 $2,639 $10,358 $11,251 $3,051 $3,168
Farmers $1,881 $1,915 $1,690 $1,844 $7,422 $7,867 $2,535 $2,703
GEICO $2,227 $2,255 $2,060 $2,060 $6,452 $6,599 $2,243 $2,311
Liberty Mutual $3,633 $129 $2,980 $3,323 $14,706 $16,333 $3,908 $4,181
Nationwide $2,029 $2,050 $1,818 $1,853 $5,414 $7,005 $2,323 $2,533
Progressive $1,816 $1,723 $1,475 $1,540 $7,979 $8,997 $2,194 $2,406
State Farm $1,528 $1,528 $1,373 $1,373 $4,589 $5,745 $1,724 $2,003
Travelers $1,730 $1,823 $1,558 $1,660 $4,689 $5,767 $1,847 $1,945
USAA $1,567 $1,604 $1,408 $1,416 $5,437 $6,234 $2,047 $2,199

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Minimum Car Insurance in Lutts, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Lutts, Tennessee

Insurance Company Poor Fair Good
Allstate $6,160 $4,707 $3,600
Farmers $4,149 $3,236 $3,061
GEICO $3,725 $3,180 $2,922
Liberty Mutual $8,833 $5,397 $4,218
Nationwide $3,761 $2,980 $2,643
Progressive $3,968 $3,405 $3,176
State Farm $3,605 $2,163 $1,681
Travelers $3,354 $2,614 $1,914
USAA $3,987 $2,320 $1,910

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

Annual Lutts, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,060 $4,825 $5,782 $4,623
Farmers $2,973 $3,680 $3,753 $3,522
GEICO $2,358 $3,186 $5,201 $2,358
Liberty Mutual $4,983 $7,182 $6,690 $5,742
Nationwide $2,704 $2,704 $4,070 $3,033
Progressive $3,099 $4,011 $3,300 $3,655
State Farm $2,268 $2,698 $2,483 $2,483
Travelers $2,136 $2,733 $3,015 $2,625
USAA $1,997 $2,976 $3,511 $2,472

Cheapest Lutts, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lutts, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,358 $11,251
Farmers $7,422 $7,867
GEICO $6,452 $6,599
Liberty Mutual $14,706 $16,333
Nationwide $5,414 $7,005
Progressive $7,979 $8,997
State Farm $4,589 $5,745
Travelers $4,689 $5,767
USAA $5,437 $6,234

Cheapest Lutts, TN Car Insurance for Seniors

Take a look at Lutts, 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 Lutts, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,540 $2,639
Farmers $1,690 $1,844
GEICO $2,060 $2,060
Liberty Mutual $2,980 $3,323
Nationwide $1,818 $1,853
Progressive $1,475 $1,540
State Farm $1,373 $1,373
Travelers $1,558 $1,660
USAA $1,408 $1,416

Cheapest Lutts, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lutts, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,782
Farmers $3,753
GEICO $5,201
Liberty Mutual $6,690
Nationwide $4,070
Progressive $3,300
State Farm $2,483
Travelers $3,015
USAA $3,511

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Cheapest Lutts, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lutts, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,823 $4,823
Farmers $3,482 $3,482
GEICO $3,261 $3,290
Liberty Mutual $6,149 $6,149
Nationwide $3,128 $3,128
Progressive $3,516 $3,516
State Farm $2,424 $2,542
Travelers $2,524 $2,730
USAA $2,660 $2,818

The Best Cheap Car Insurance Companies in Lutts, TN

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

Average Annual Car Insurance Rates by Company in Lutts, Tennessee

Insurance Company Average Annual Rates
Allstate $4,823
Farmers $3,482
GEICO $3,276
Liberty Mutual $6,149
Nationwide $3,128
Progressive $3,516
State Farm $2,483
Travelers $2,627
USAA $2,739

Category Winners: Cheapest Car Insurance in Lutts, Tennessee

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

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

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

Annual Car Insurance Rates by Coverage Level in Lutts, Tennessee

Insurance Company Low Medium High
Allstate $4,649 $4,811 $5,008
Farmers $3,305 $3,467 $3,674
GEICO $3,128 $3,270 $3,429
Liberty Mutual $5,907 $6,146 $6,394
Nationwide $3,154 $3,057 $3,173
Progressive $3,336 $3,514 $3,697
State Farm $2,350 $2,493 $2,605
Travelers $2,481 $2,625 $2,776
USAA $2,657 $2,730 $2,830

Compare Car Insurance Quotes in Lutts, TN

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

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