Compare Surgoinsville, TN Car Insurance Rates (2021)

Car insurance in Surgoinsville, TN averages $283 a month. Surgoinsville, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Surgoinsville car insurance rates, compare quotes from the top car insurance companies in Surgoinsville, 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 Surgoinsville, TN are $3,402/year
  • Average car insurance rates in Surgoinsville, TN after a DUI are $3,991/year
  • The cheapest car insurance company in Surgoinsville for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Surgoinsville, TN car insurance rates? Every Surgoinsville, 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 Surgoinsville, 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 $2,403 $2,307 $2,168 $2,249 $9,007 $9,811 $2,554 $2,641
Farmers $1,623 $1,652 $1,458 $1,599 $6,619 $7,034 $2,193 $2,320
GEICO $2,046 $2,062 $1,882 $1,882 $6,290 $6,395 $2,083 $2,149
Liberty Mutual $3,437 $129 $2,836 $3,164 $14,078 $15,627 $3,679 $3,912
Nationwide $2,132 $2,149 $1,913 $1,942 $5,871 $7,560 $2,451 $2,657
Progressive $1,749 $1,648 $1,424 $1,490 $7,908 $8,903 $2,108 $2,304
State Farm $1,445 $1,445 $1,305 $1,305 $4,444 $5,549 $1,634 $1,905
Travelers $1,718 $1,809 $1,556 $1,656 $4,725 $5,834 $1,831 $1,928
USAA $1,499 $1,520 $1,355 $1,350 $5,400 $6,202 $1,954 $2,077

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Minimum Car Insurance in Surgoinsville, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Surgoinsville, Tennessee

Insurance Company Poor Fair Good
Allstate $5,274 $4,051 $3,103
Farmers $3,644 $2,849 $2,694
GEICO $3,515 $3,012 $2,770
Liberty Mutual $8,395 $5,150 $4,027
Nationwide $4,010 $3,178 $2,815
Progressive $3,867 $3,338 $3,120
State Farm $3,453 $2,073 $1,611
Travelers $3,356 $2,623 $1,918
USAA $3,866 $2,269 $1,873

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

Annual Surgoinsville, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,470 $4,132 $4,998 $3,969
Farmers $2,615 $3,237 $3,314 $3,084
GEICO $2,258 $3,018 $4,861 $2,258
Liberty Mutual $4,745 $6,851 $6,370 $5,465
Nationwide $2,888 $2,888 $4,327 $3,235
Progressive $3,032 $3,936 $3,228 $3,570
State Farm $2,167 $2,591 $2,379 $2,379
Travelers $2,137 $2,738 $3,026 $2,628
USAA $1,940 $2,911 $3,420 $2,407

Cheapest Surgoinsville, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Surgoinsville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,007 $9,811
Farmers $6,619 $7,034
GEICO $6,290 $6,395
Liberty Mutual $14,078 $15,627
Nationwide $5,871 $7,560
Progressive $7,908 $8,903
State Farm $4,444 $5,549
Travelers $4,725 $5,834
USAA $5,400 $6,202

Cheapest Surgoinsville, TN Car Insurance for Seniors

Take a look at Surgoinsville, 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 Surgoinsville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,168 $2,249
Farmers $1,458 $1,599
GEICO $1,882 $1,882
Liberty Mutual $2,836 $3,164
Nationwide $1,913 $1,942
Progressive $1,424 $1,490
State Farm $1,305 $1,305
Travelers $1,556 $1,656
USAA $1,355 $1,350

Cheapest Surgoinsville, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Surgoinsville, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,998
Farmers $3,314
GEICO $4,861
Liberty Mutual $6,370
Nationwide $4,327
Progressive $3,228
State Farm $2,379
Travelers $3,026
USAA $3,420

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Cheapest Surgoinsville, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Surgoinsville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,142 $4,142
Farmers $3,062 $3,062
GEICO $3,079 $3,119
Liberty Mutual $5,858 $5,858
Nationwide $3,334 $3,334
Progressive $3,442 $3,442
State Farm $2,323 $2,435
Travelers $2,529 $2,735
USAA $2,596 $2,743

The Best Cheap Car Insurance Companies in Surgoinsville, TN

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

Average Annual Car Insurance Rates by Company in Surgoinsville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,142
Farmers $3,062
GEICO $3,099
Liberty Mutual $5,858
Nationwide $3,334
Progressive $3,442
State Farm $2,379
Travelers $2,632
USAA $2,670

Category Winners: Cheapest Car Insurance in Surgoinsville, Tennessee

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

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

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

Annual Car Insurance Rates by Coverage Level in Surgoinsville, Tennessee

Insurance Company Low Medium High
Allstate $3,998 $4,133 $4,296
Farmers $2,887 $3,047 $3,253
GEICO $2,949 $3,092 $3,255
Liberty Mutual $5,603 $5,855 $6,116
Nationwide $3,361 $3,263 $3,379
Progressive $3,225 $3,441 $3,659
State Farm $2,248 $2,389 $2,500
Travelers $2,478 $2,630 $2,789
USAA $2,588 $2,661 $2,760

What affects car insurance rates in Surgoinsville, Tennessee?

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

Commute Time in Surgoinsville

The more time you spend in your car the higher the risk of an accident. The average commute length in Surgoinsville, TN is 25.0 minutes according to City-Data.

Compare Car Insurance Quotes in Surgoinsville, TN

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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