Compare Manchester, TN Car Insurance Rates (2021)

Car insurance in Manchester, TN averages $289 a month. Manchester, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Manchester car insurance rates, compare quotes from the top car insurance companies in Manchester, 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 Manchester is State Farm
  • Average car insurance rates in Manchester, TN are $3,468/year
  • Average car insurance rates in Manchester, TN after a DUI are $4,081/year

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

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

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

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

How do age, gender, and marital status affect Manchester, TN car insurance rates? Every Manchester, 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 Manchester, 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 $2,817 $2,713 $2,524 $2,621 $10,351 $11,258 $3,023 $3,138
Farmers $1,676 $1,705 $1,506 $1,645 $6,784 $7,198 $2,262 $2,405
GEICO $2,199 $2,224 $2,031 $2,031 $6,481 $6,617 $2,221 $2,290
Liberty Mutual $3,404 $129 $2,810 $3,138 $13,862 $15,392 $3,641 $3,871
Nationwide $2,106 $2,123 $1,889 $1,919 $5,787 $7,451 $2,420 $2,623
Progressive $1,707 $1,614 $1,392 $1,451 $7,531 $8,477 $2,057 $2,240
State Farm $1,483 $1,483 $1,337 $1,337 $4,509 $5,642 $1,675 $1,945
Travelers $1,751 $1,847 $1,581 $1,685 $4,777 $5,906 $1,868 $1,967
USAA $1,430 $1,454 $1,291 $1,290 $5,063 $5,804 $1,860 $1,985

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Minimum Car Insurance in Manchester, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Manchester, Tennessee

Insurance Company Poor Fair Good
Allstate $6,133 $4,693 $3,590
Farmers $3,745 $2,928 $2,770
GEICO $3,706 $3,168 $2,911
Liberty Mutual $8,286 $5,082 $3,975
Nationwide $3,959 $3,135 $2,775
Progressive $3,728 $3,206 $2,992
State Farm $3,522 $2,114 $1,643
Travelers $3,411 $2,661 $1,946
USAA $3,659 $2,142 $1,766

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

Annual Manchester, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,041 $4,805 $5,770 $4,606
Farmers $2,687 $3,328 $3,404 $3,171
GEICO $2,356 $3,174 $5,162 $2,356
Liberty Mutual $4,686 $6,759 $6,284 $5,394
Nationwide $2,850 $2,850 $4,268 $3,192
Progressive $2,918 $3,776 $3,107 $3,434
State Farm $2,213 $2,640 $2,426 $2,426
Travelers $2,170 $2,779 $3,076 $2,667
USAA $1,837 $2,746 $3,231 $2,275

Cheapest Manchester, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Manchester, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,351 $11,258
Farmers $6,784 $7,198
GEICO $6,481 $6,617
Liberty Mutual $13,862 $15,392
Nationwide $5,787 $7,451
Progressive $7,531 $8,477
State Farm $4,509 $5,642
Travelers $4,777 $5,906
USAA $5,063 $5,804

Cheapest Manchester, TN Car Insurance for Seniors

Take a look at Manchester, 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 Manchester, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,524 $2,621
Farmers $1,506 $1,645
GEICO $2,031 $2,031
Liberty Mutual $2,810 $3,138
Nationwide $1,889 $1,919
Progressive $1,392 $1,451
State Farm $1,337 $1,337
Travelers $1,581 $1,685
USAA $1,291 $1,290

Cheapest Manchester, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Manchester, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,770
Farmers $3,404
GEICO $5,162
Liberty Mutual $6,284
Nationwide $4,268
Progressive $3,107
State Farm $2,426
Travelers $3,076
USAA $3,231

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Cheapest Manchester, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Manchester, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,806 $4,806
Farmers $3,148 $3,148
GEICO $3,245 $3,278
Liberty Mutual $5,781 $5,781
Nationwide $3,290 $3,290
Progressive $3,309 $3,309
State Farm $2,368 $2,484
Travelers $2,568 $2,778
USAA $2,451 $2,593

The Best Cheap Car Insurance Companies in Manchester, TN

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

Average Annual Car Insurance Rates by Company in Manchester, Tennessee

Insurance Company Average Annual Rates
Allstate $4,806
Farmers $3,148
GEICO $3,262
Liberty Mutual $5,781
Nationwide $3,290
Progressive $3,309
State Farm $2,426
Travelers $2,673
USAA $2,522

Category Winners: Cheapest Car Insurance in Manchester, Tennessee

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

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

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

Annual Car Insurance Rates by Coverage Level in Manchester, Tennessee

Insurance Company Low Medium High
Allstate $4,642 $4,795 $4,980
Farmers $2,978 $3,133 $3,332
GEICO $3,097 $3,252 $3,436
Liberty Mutual $5,520 $5,777 $6,045
Nationwide $3,324 $3,220 $3,326
Progressive $3,113 $3,311 $3,503
State Farm $2,289 $2,437 $2,553
Travelers $2,512 $2,671 $2,835
USAA $2,446 $2,514 $2,607

What affects car insurance rates in Manchester, Tennessee?

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

Commute Time in Manchester

The more time you spend in your car the higher the risk of an accident. The average commute length in Manchester, TN is 23.3 minutes according to City-Data.

Traffic in Manchester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Manchester, TN traffic data from INRIX ranks Manchester as the 184th-most congested in the world.

Compare Car Insurance Quotes in Manchester, TN

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

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