Compare Spencer, TN Car Insurance Rates (2021)

Car insurance in Spencer, TN averages $303 a month. Spencer, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Spencer car insurance rates, compare quotes from the top car insurance companies in Spencer, TN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Spencer, TN are $3,632/year
  • The cheapest car insurance company in Spencer is State Farm
  • The cheapest car insurance company in Spencer for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Spencer, TN car insurance rates? Every Spencer, 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 Spencer, 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 $2,705 $2,607 $2,425 $2,518 $9,887 $10,757 $2,904 $3,012
Farmers $2,218 $2,256 $1,992 $2,177 $8,958 $9,479 $2,988 $3,185
GEICO $2,356 $2,378 $2,171 $2,171 $7,151 $7,280 $2,393 $2,469
Liberty Mutual $3,745 $129 $3,070 $3,427 $14,978 $16,640 $4,027 $4,307
Nationwide $2,076 $2,095 $1,860 $1,893 $5,610 $7,244 $2,381 $2,590
Progressive $1,770 $1,675 $1,441 $1,505 $7,869 $8,864 $2,137 $2,338
State Farm $1,344 $1,344 $1,210 $1,210 $4,090 $5,103 $1,517 $1,772
Travelers $1,686 $1,773 $1,532 $1,630 $4,704 $5,813 $1,795 $1,888
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 Spencer, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Spencer, Tennessee

Insurance Company Poor Fair Good
Allstate $5,871 $4,494 $3,440
Farmers $4,951 $3,864 $3,654
GEICO $4,024 $3,446 $3,169
Liberty Mutual $9,034 $5,520 $4,318
Nationwide $3,876 $3,066 $2,714
Progressive $3,886 $3,343 $3,121
State Farm $3,190 $1,916 $1,490
Travelers $3,310 $2,599 $1,899
USAA $3,800 $2,228 $1,838

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

Annual Spencer, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,874 $4,604 $5,517 $4,412
Farmers $3,542 $4,402 $4,500 $4,182
GEICO $2,575 $3,453 $5,581 $2,575
Liberty Mutual $5,104 $7,344 $6,840 $5,873
Nationwide $2,786 $2,786 $4,181 $3,123
Progressive $3,040 $3,940 $3,237 $3,582
State Farm $2,005 $2,392 $2,199 $2,199
Travelers $2,113 $2,710 $2,989 $2,598
USAA $1,907 $2,857 $3,360 $2,364

Cheapest Spencer, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spencer, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,887 $10,757
Farmers $8,958 $9,479
GEICO $7,151 $7,280
Liberty Mutual $14,978 $16,640
Nationwide $5,610 $7,244
Progressive $7,869 $8,864
State Farm $4,090 $5,103
Travelers $4,704 $5,813
USAA $5,281 $6,053

Cheapest Spencer, TN Car Insurance for Seniors

Take a look at Spencer, 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 Spencer, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,425 $2,518
Farmers $1,992 $2,177
GEICO $2,171 $2,171
Liberty Mutual $3,070 $3,427
Nationwide $1,860 $1,893
Progressive $1,441 $1,505
State Farm $1,210 $1,210
Travelers $1,532 $1,630
USAA $1,336 $1,335

Cheapest Spencer, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spencer, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,517
Farmers $4,500
GEICO $5,581
Liberty Mutual $6,840
Nationwide $4,181
Progressive $3,237
State Farm $2,199
Travelers $2,989
USAA $3,360

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Cheapest Spencer, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spencer, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,602 $4,602
Farmers $4,157 $4,157
GEICO $3,525 $3,568
Liberty Mutual $6,290 $6,290
Nationwide $3,219 $3,219
Progressive $3,450 $3,450
State Farm $2,148 $2,249
Travelers $2,501 $2,704
USAA $2,548 $2,696

The Best Cheap Car Insurance Companies in Spencer, TN

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

Average Annual Car Insurance Rates by Company in Spencer, Tennessee

Insurance Company Average Annual Rates
Allstate $4,602
Farmers $4,157
GEICO $3,546
Liberty Mutual $6,290
Nationwide $3,219
Progressive $3,450
State Farm $2,199
Travelers $2,603
USAA $2,622

Category Winners: Cheapest Car Insurance in Spencer, Tennessee

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

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

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

Annual Car Insurance Rates by Coverage Level in Spencer, Tennessee

Insurance Company Low Medium High
Allstate $4,440 $4,591 $4,775
Farmers $3,931 $4,136 $4,402
GEICO $3,385 $3,539 $3,715
Liberty Mutual $6,041 $6,288 $6,541
Nationwide $3,248 $3,149 $3,259
Progressive $3,257 $3,451 $3,642
State Farm $2,085 $2,207 $2,304
Travelers $2,454 $2,600 $2,754
USAA $2,539 $2,613 $2,714

What affects car insurance rates in Spencer, Tennessee?

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

Commute Time in Spencer

The more time you spend in your car the higher the risk of an accident. The average commute length in Spencer, TN is 26.7 minutes according to City-Data.

Compare Car Insurance Quotes in Spencer, TN

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

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