Compare Watertown, TN Car Insurance Rates (2021)

Car insurance in Watertown, TN averages $283 a month. Watertown, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Watertown car insurance rates, compare quotes from the top car insurance companies in Watertown, 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 Watertown, TN after a DUI are $3,985/year
  • The cheapest car insurance company in Watertown is State Farm
  • Average car insurance rates in Watertown, TN are $3,398/year

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

You’ll find Watertown car insurance rates, the cheapest Watertown, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Watertown, Tennessee car insurance rates to Franklin car insurance rates, Murfreesboro car insurance rates, and Chattanooga car insurance rates.

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

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

How do age, gender, and marital status affect Watertown, TN car insurance rates? Every Watertown, 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 Watertown, 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 $2,605 $2,500 $2,353 $2,442 $9,877 $10,777 $2,768 $2,855
Farmers $1,481 $1,510 $1,326 $1,464 $6,166 $6,596 $2,017 $2,122
GEICO $1,990 $2,006 $1,830 $1,830 $6,178 $6,276 $2,031 $2,096
Liberty Mutual $3,194 $129 $2,627 $2,936 $13,474 $14,978 $3,422 $3,640
Nationwide $2,094 $2,109 $1,881 $1,908 $5,764 $7,417 $2,406 $2,606
Progressive $1,659 $1,562 $1,350 $1,415 $7,604 $8,552 $2,004 $2,200
State Farm $1,598 $1,598 $1,448 $1,448 $4,976 $6,218 $1,808 $2,103
Travelers $1,770 $1,863 $1,600 $1,703 $4,884 $6,022 $1,888 $1,988
USAA $1,522 $1,545 $1,376 $1,373 $5,480 $6,294 $1,989 $2,112

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Minimum Car Insurance in Watertown, TN

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

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

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

Annual Car Insurance Rates by Credit Score in Watertown, Tennessee

Insurance Company Poor Fair Good
Allstate $5,761 $4,424 $3,381
Farmers $3,362 $2,643 $2,501
GEICO $3,435 $2,945 $2,709
Liberty Mutual $7,937 $4,889 $3,825
Nationwide $3,918 $3,124 $2,777
Progressive $3,698 $3,195 $2,987
State Farm $3,848 $2,308 $1,793
Travelers $3,460 $2,706 $1,978
USAA $3,924 $2,306 $1,904

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

Annual Watertown, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,785 $4,514 $5,456 $4,332
Farmers $2,431 $2,988 $3,059 $2,863
GEICO $2,210 $2,951 $4,747 $2,210
Liberty Mutual $4,496 $6,497 $6,035 $5,173
Nationwide $2,836 $2,836 $4,245 $3,176
Progressive $2,900 $3,770 $3,086 $3,416
State Farm $2,409 $2,890 $2,650 $2,650
Travelers $2,204 $2,827 $3,117 $2,711
USAA $1,970 $2,958 $3,472 $2,446

Cheapest Watertown, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Watertown, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,877 $10,777
Farmers $6,166 $6,596
GEICO $6,178 $6,276
Liberty Mutual $13,474 $14,978
Nationwide $5,764 $7,417
Progressive $7,604 $8,552
State Farm $4,976 $6,218
Travelers $4,884 $6,022
USAA $5,480 $6,294

Cheapest Watertown, TN Car Insurance for Seniors

Take a look at Watertown, 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 Watertown, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,353 $2,442
Farmers $1,326 $1,464
GEICO $1,830 $1,830
Liberty Mutual $2,627 $2,936
Nationwide $1,881 $1,908
Progressive $1,350 $1,415
State Farm $1,448 $1,448
Travelers $1,600 $1,703
USAA $1,376 $1,373

Cheapest Watertown, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Watertown, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,456
Farmers $3,059
GEICO $4,747
Liberty Mutual $6,035
Nationwide $4,245
Progressive $3,086
State Farm $2,650
Travelers $3,117
USAA $3,472

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Cheapest Watertown, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Watertown, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,522 $4,522
Farmers $2,835 $2,835
GEICO $3,009 $3,050
Liberty Mutual $5,550 $5,550
Nationwide $3,273 $3,273
Progressive $3,293 $3,293
State Farm $2,586 $2,713
Travelers $2,608 $2,821
USAA $2,636 $2,787

The Best Cheap Car Insurance Companies in Watertown, TN

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

Average Annual Car Insurance Rates by Company in Watertown, Tennessee

Insurance Company Average Annual Rates
Allstate $4,522
Farmers $2,835
GEICO $3,029
Liberty Mutual $5,550
Nationwide $3,273
Progressive $3,293
State Farm $2,650
Travelers $2,715
USAA $2,711

Category Winners: Cheapest Car Insurance in Watertown, Tennessee

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

Best Annual Car Insurance Rates by Company in Watertown, Tennessee

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

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Cheapest Watertown, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Watertown, Tennessee

Insurance Company Low Medium High
Allstate $4,351 $4,511 $4,704
Farmers $2,671 $2,823 $3,011
GEICO $2,876 $3,026 $3,187
Liberty Mutual $5,298 $5,550 $5,802
Nationwide $3,286 $3,203 $3,330
Progressive $3,109 $3,294 $3,476
State Farm $2,491 $2,663 $2,795
Travelers $2,563 $2,713 $2,868
USAA $2,624 $2,702 $2,808

What affects car insurance rates in Watertown, Tennessee?

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

Commute Time in Watertown

The more time you spend in your car the higher the risk of an accident. The average commute length in Watertown, TN is 35.2 minutes according to City-Data.

Compare Car Insurance Quotes in Watertown, TN

Ready to find affordable Watertown, Tennessee car insurance today? Enter your ZIP code for fast, free Watertown, 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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