Compare Townsend, TN Car Insurance Rates (2021)

Car insurance in Townsend, TN averages $305 a month. Townsend, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Townsend car insurance rates, compare quotes from the top car insurance companies in Townsend, 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 Townsend, TN after a DUI are $4,268/year
  • The cheapest car insurance company in Townsend is State Farm
  • The cheapest car insurance company in Townsend for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Townsend, TN car insurance rates? Every Townsend, 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 Townsend, 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 $2,633 $2,524 $2,372 $2,462 $9,971 $10,843 $2,799 $2,895
Farmers $1,826 $1,859 $1,637 $1,799 $7,583 $8,059 $2,474 $2,622
GEICO $1,936 $1,949 $1,778 $1,778 $6,064 $6,153 $1,978 $2,042
Liberty Mutual $3,700 $129 $3,038 $3,400 $15,472 $17,205 $3,966 $4,220
Nationwide $2,329 $2,347 $2,084 $2,117 $6,478 $8,356 $2,683 $2,913
Progressive $1,876 $1,767 $1,528 $1,600 $8,530 $9,602 $2,264 $2,479
State Farm $1,553 $1,553 $1,410 $1,410 $4,895 $6,100 $1,759 $2,059
Travelers $1,868 $1,968 $1,697 $1,808 $5,269 $6,548 $1,990 $2,096
USAA $1,484 $1,507 $1,341 $1,339 $5,315 $6,099 $1,936 $2,058

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Minimum Car Insurance in Townsend, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Townsend, Tennessee

Insurance Company Poor Fair Good
Allstate $5,818 $4,459 $3,410
Farmers $4,137 $3,243 $3,067
GEICO $3,355 $2,877 $2,647
Liberty Mutual $9,148 $5,625 $4,400
Nationwide $4,406 $3,492 $3,092
Progressive $4,162 $3,594 $3,361
State Farm $3,765 $2,259 $1,754
Travelers $3,698 $2,903 $2,116
USAA $3,815 $2,240 $1,850

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

Annual Townsend, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,813 $4,550 $5,517 $4,370
Farmers $2,974 $3,683 $3,771 $3,501
GEICO $2,165 $2,884 $4,625 $2,165
Liberty Mutual $5,181 $7,480 $6,948 $5,956
Nationwide $3,167 $3,167 $4,765 $3,554
Progressive $3,263 $4,242 $3,474 $3,844
State Farm $2,354 $2,831 $2,593 $2,593
Travelers $2,352 $3,025 $3,349 $2,896
USAA $1,916 $2,873 $3,374 $2,377

Cheapest Townsend, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Townsend, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,971 $10,843
Farmers $7,583 $8,059
GEICO $6,064 $6,153
Liberty Mutual $15,472 $17,205
Nationwide $6,478 $8,356
Progressive $8,530 $9,602
State Farm $4,895 $6,100
Travelers $5,269 $6,548
USAA $5,315 $6,099

Cheapest Townsend, TN Car Insurance for Seniors

Take a look at Townsend, 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 Townsend, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,372 $2,462
Farmers $1,637 $1,799
GEICO $1,778 $1,778
Liberty Mutual $3,038 $3,400
Nationwide $2,084 $2,117
Progressive $1,528 $1,600
State Farm $1,410 $1,410
Travelers $1,697 $1,808
USAA $1,341 $1,339

Cheapest Townsend, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Townsend, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,517
Farmers $3,771
GEICO $4,625
Liberty Mutual $6,948
Nationwide $4,765
Progressive $3,474
State Farm $2,593
Travelers $3,349
USAA $3,374

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Cheapest Townsend, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Townsend, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,562 $4,562
Farmers $3,482 $3,482
GEICO $2,939 $2,981
Liberty Mutual $6,391 $6,391
Nationwide $3,663 $3,663
Progressive $3,706 $3,706
State Farm $2,531 $2,654
Travelers $2,791 $3,020
USAA $2,561 $2,709

The Best Cheap Car Insurance Companies in Townsend, TN

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

Average Annual Car Insurance Rates by Company in Townsend, Tennessee

Insurance Company Average Annual Rates
Allstate $4,562
Farmers $3,482
GEICO $2,960
Liberty Mutual $6,391
Nationwide $3,663
Progressive $3,706
State Farm $2,593
Travelers $2,906
USAA $2,635

Category Winners: Cheapest Car Insurance in Townsend, Tennessee

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

Best Annual Car Insurance Rates by Company in Townsend, 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 GEICO

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Cheapest Townsend, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Townsend, Tennessee

Insurance Company Low Medium High
Allstate $4,398 $4,551 $4,737
Farmers $3,284 $3,466 $3,697
GEICO $2,809 $2,953 $3,117
Liberty Mutual $6,100 $6,391 $6,682
Nationwide $3,698 $3,585 $3,707
Progressive $3,484 $3,706 $3,927
State Farm $2,446 $2,604 $2,727
Travelers $2,729 $2,903 $3,085
USAA $2,550 $2,626 $2,729

What affects car insurance rates in Townsend, Tennessee?

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

Commute Time in Townsend

The more time you spend in your car the higher the risk of an accident. The average commute length in Townsend, TN is 19.7 minutes according to City-Data.

Compare Car Insurance Quotes in Townsend, TN

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

Free Car Insurance Comparison

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

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