Compare Oak Ridge, TN Car Insurance Rates (2021)

Car insurance in Oak Ridge, TN averages $305 a month. Oak Ridge, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Oak Ridge car insurance rates, compare quotes from the top car insurance companies in Oak Ridge, 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 Oak Ridge for teen drivers is Travelers
  • Average car insurance rates in Oak Ridge, TN are $3,655/year
  • The cheapest car insurance company in Oak Ridge is USAA

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

You’ll find Oak Ridge car insurance rates, the cheapest Oak Ridge, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Oak Ridge, Tennessee car insurance rates to Clarksville car insurance rates, Hendersonville car insurance rates, and Jackson car insurance rates.

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

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

How do age, gender, and marital status affect Oak Ridge, TN car insurance rates? Every Oak Ridge, 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 Oak Ridge, 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 $2,833 $2,715 $2,546 $2,643 $10,729 $11,658 $3,015 $3,124
Farmers $1,736 $1,766 $1,556 $1,710 $7,204 $7,657 $2,351 $2,492
GEICO $2,083 $2,100 $1,916 $1,916 $6,405 $6,512 $2,121 $2,188
Liberty Mutual $3,628 $129 $2,992 $3,333 $14,821 $16,437 $3,886 $4,133
Nationwide $2,080 $2,100 $1,864 $1,897 $5,607 $7,245 $2,385 $2,596
Progressive $1,978 $1,859 $1,619 $1,688 $9,043 $10,171 $2,388 $2,605
State Farm $1,720 $1,720 $1,546 $1,546 $5,204 $6,508 $1,943 $2,263
Travelers $1,731 $1,820 $1,588 $1,688 $4,985 $6,214 $1,840 $1,935
USAA $1,508 $1,533 $1,363 $1,361 $5,395 $6,191 $1,969 $2,095

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Minimum Car Insurance in Oak Ridge, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Oak Ridge, Tennessee

Insurance Company Poor Fair Good
Allstate $6,265 $4,796 $3,664
Farmers $3,931 $3,082 $2,915
GEICO $3,578 $3,066 $2,820
Liberty Mutual $8,845 $5,425 $4,240
Nationwide $3,874 $3,072 $2,719
Progressive $4,394 $3,802 $3,559
State Farm $4,077 $2,444 $1,898
Travelers $3,453 $2,733 $1,990
USAA $3,878 $2,275 $1,877

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

Annual Oak Ridge, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,099 $4,893 $5,940 $4,701
Farmers $2,826 $3,500 $3,583 $3,327
GEICO $2,298 $3,073 $4,952 $2,298
Liberty Mutual $4,994 $7,216 $6,713 $5,756
Nationwide $2,787 $2,787 $4,187 $3,126
Progressive $3,450 $4,490 $3,674 $4,062
State Farm $2,561 $3,051 $2,806 $2,806
Travelers $2,208 $2,842 $3,137 $2,714
USAA $1,946 $2,918 $3,429 $2,414

Cheapest Oak Ridge, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oak Ridge, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,729 $11,658
Farmers $7,204 $7,657
GEICO $6,405 $6,512
Liberty Mutual $14,821 $16,437
Nationwide $5,607 $7,245
Progressive $9,043 $10,171
State Farm $5,204 $6,508
Travelers $4,985 $6,214
USAA $5,395 $6,191

Cheapest Oak Ridge, TN Car Insurance for Seniors

Take a look at Oak Ridge, 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 Oak Ridge, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,546 $2,643
Farmers $1,556 $1,710
GEICO $1,916 $1,916
Liberty Mutual $2,992 $3,333
Nationwide $1,864 $1,897
Progressive $1,619 $1,688
State Farm $1,546 $1,546
Travelers $1,588 $1,688
USAA $1,363 $1,361

Cheapest Oak Ridge, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oak Ridge, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,940
Farmers $3,583
GEICO $4,952
Liberty Mutual $6,713
Nationwide $4,187
Progressive $3,674
State Farm $2,806
Travelers $3,137
USAA $3,429

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Cheapest Oak Ridge, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oak Ridge, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,908 $4,908
Farmers $3,309 $3,309
GEICO $3,135 $3,176
Liberty Mutual $6,170 $6,170
Nationwide $3,222 $3,222
Progressive $3,919 $3,919
State Farm $2,740 $2,872
Travelers $2,618 $2,832
USAA $2,602 $2,752

The Best Cheap Car Insurance Companies in Oak Ridge, TN

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

Average Annual Car Insurance Rates by Company in Oak Ridge, Tennessee

Insurance Company Average Annual Rates
Allstate $4,908
Farmers $3,309
GEICO $3,155
Liberty Mutual $6,170
Nationwide $3,222
Progressive $3,919
State Farm $2,806
Travelers $2,725
USAA $2,677

Category Winners: Cheapest Car Insurance in Oak Ridge, Tennessee

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

Best Annual Car Insurance Rates by Company in Oak Ridge, Tennessee

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

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Cheapest Oak Ridge, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oak Ridge, Tennessee

Insurance Company Low Medium High
Allstate $4,742 $4,897 $5,086
Farmers $3,121 $3,293 $3,513
GEICO $2,995 $3,148 $3,322
Liberty Mutual $5,923 $6,168 $6,419
Nationwide $3,248 $3,150 $3,267
Progressive $3,670 $3,925 $4,161
State Farm $2,662 $2,818 $2,939
Travelers $2,558 $2,724 $2,894
USAA $2,592 $2,668 $2,771

What affects car insurance rates in Oak Ridge, Tennessee?

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

Commute Time in Oak Ridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Oak Ridge, TN is 22.2 minutes according to City-Data.

Compare Car Insurance Quotes in Oak Ridge, TN

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

Free Car Insurance Comparison

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