Compare Prospect, TN Car Insurance Rates (2021)

Car insurance in Prospect, TN averages $295 a month. Prospect, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Prospect car insurance rates, compare quotes from the top car insurance companies in Prospect, 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 Prospect for teen drivers is State Farm
  • Average car insurance rates in Prospect, TN are $3,537/year
  • The cheapest car insurance company in Prospect is State Farm

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

You’ll find Prospect car insurance rates, the cheapest Prospect, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Prospect, Tennessee car insurance rates to Chattanooga car insurance rates, Bartlett car insurance rates, and Memphis car insurance rates.

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

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

How do age, gender, and marital status affect Prospect, TN car insurance rates? Every Prospect, 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 Prospect, 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 $2,839 $2,734 $2,544 $2,642 $10,451 $11,364 $3,046 $3,160
Farmers $1,881 $1,915 $1,690 $1,844 $7,422 $7,867 $2,535 $2,703
GEICO $2,253 $2,279 $2,082 $2,082 $6,611 $6,752 $2,274 $2,344
Liberty Mutual $3,359 $129 $2,771 $3,094 $13,440 $14,926 $3,596 $3,828
Nationwide $2,029 $2,050 $1,818 $1,853 $5,414 $7,005 $2,323 $2,533
Progressive $1,775 $1,681 $1,443 $1,508 $7,823 $8,815 $2,141 $2,342
State Farm $1,490 $1,490 $1,332 $1,332 $4,375 $5,488 $1,678 $1,943
Travelers $1,734 $1,824 $1,567 $1,668 $4,772 $5,874 $1,849 $1,946
USAA $1,628 $1,653 $1,469 $1,465 $5,911 $6,773 $2,125 $2,269

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Minimum Car Insurance in Prospect, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Prospect, Tennessee

Insurance Company Poor Fair Good
Allstate $6,189 $4,734 $3,620
Farmers $4,149 $3,236 $3,061
GEICO $3,789 $3,238 $2,976
Liberty Mutual $8,092 $4,957 $3,880
Nationwide $3,761 $2,980 $2,643
Progressive $3,881 $3,333 $3,109
State Farm $3,471 $2,084 $1,619
Travelers $3,383 $2,645 $1,934
USAA $4,227 $2,471 $2,036

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

Annual Prospect, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,075 $4,848 $5,821 $4,646
Farmers $2,973 $3,680 $3,753 $3,522
GEICO $2,406 $3,244 $5,282 $2,406
Liberty Mutual $4,580 $6,591 $6,132 $5,268
Nationwide $2,704 $2,704 $4,070 $3,033
Progressive $3,033 $3,926 $3,230 $3,575
State Farm $2,190 $2,592 $2,391 $2,391
Travelers $2,156 $2,764 $3,045 $2,652
USAA $2,112 $3,173 $3,742 $2,619

Cheapest Prospect, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Prospect, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,451 $11,364
Farmers $7,422 $7,867
GEICO $6,611 $6,752
Liberty Mutual $13,440 $14,926
Nationwide $5,414 $7,005
Progressive $7,823 $8,815
State Farm $4,375 $5,488
Travelers $4,772 $5,874
USAA $5,911 $6,773

Cheapest Prospect, TN Car Insurance for Seniors

Take a look at Prospect, 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 Prospect, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,544 $2,642
Farmers $1,690 $1,844
GEICO $2,082 $2,082
Liberty Mutual $2,771 $3,094
Nationwide $1,818 $1,853
Progressive $1,443 $1,508
State Farm $1,332 $1,332
Travelers $1,567 $1,668
USAA $1,469 $1,465

Cheapest Prospect, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Prospect, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,821
Farmers $3,753
GEICO $5,282
Liberty Mutual $6,132
Nationwide $4,070
Progressive $3,230
State Farm $2,391
Travelers $3,045
USAA $3,742

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Cheapest Prospect, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Prospect, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,848 $4,848
Farmers $3,482 $3,482
GEICO $3,318 $3,351
Liberty Mutual $5,643 $5,643
Nationwide $3,128 $3,128
Progressive $3,441 $3,441
State Farm $2,335 $2,448
Travelers $2,550 $2,758
USAA $2,830 $2,993

The Best Cheap Car Insurance Companies in Prospect, TN

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

Average Annual Car Insurance Rates by Company in Prospect, Tennessee

Insurance Company Average Annual Rates
Allstate $4,848
Farmers $3,482
GEICO $3,335
Liberty Mutual $5,643
Nationwide $3,128
Progressive $3,441
State Farm $2,391
Travelers $2,654
USAA $2,912

Category Winners: Cheapest Car Insurance in Prospect, Tennessee

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

Best Annual Car Insurance Rates by Company in Prospect, 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 State Farm

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Cheapest Prospect, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Prospect, Tennessee

Insurance Company Low Medium High
Allstate $4,675 $4,836 $5,031
Farmers $3,305 $3,467 $3,674
GEICO $3,196 $3,328 $3,480
Liberty Mutual $5,395 $5,640 $5,894
Nationwide $3,154 $3,057 $3,173
Progressive $3,253 $3,440 $3,630
State Farm $2,267 $2,401 $2,506
Travelers $2,508 $2,653 $2,802
USAA $2,824 $2,902 $3,009

Compare Car Insurance Quotes in Prospect, TN

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

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