Buy Cheap Ardmore, TN Auto Insurance in 2023
Ardmore, TN auto insurance rates average $276 a month. Minimum auto insurance requirements in Ardmore, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Ardmore, TN, compare Ardmore auto insurance quotes from top companies.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Ardmore, TN are $276/month
- Average auto insurance rates in Ardmore, TN for teens drivers are $6,695/year
- Average auto insurance rates in Ardmore, TN after a DUI are $4,203/year
Finding affordable Ardmore, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Ardmore, TN auto insurance with confidence is right here. Auto insurance rates in Ardmore are affected by local factors as well as personal ones like your driving record.
See how Ardmore, TN car insurance rates compare to Bartlett auto insurance rates, Chattanooga auto insurance rates, and Franklin auto insurance rates before you read more about the cost of auto insurance in Ardmore.
Don’t buy Ardmore, TN auto insurance until you’ve compared rates. Get free Ardmore, Tennessee auto insurance quotes when you enter your ZIP code above.
Ardmore, TN Minimum Auto Insurance Requirements
The required auto insurance in Ardmore, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Ardmore, Tennessee is outlined here.
| 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 |
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Find Cheap Ardmore, TN Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Ardmore, TN. Take a look at Ardmore, Tennessee auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,202 | $4,744 | $3,627 |
| 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 | $4,075 | $3,506 | $3,274 |
| State Farm | $3,601 | $2,161 | $1,679 |
| Travelers | $3,478 | $2,720 | $1,987 |
| USAA | $4,227 | $2,471 | $2,036 |
Buy Cheap Ardmore, TN Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Ardmore, Tennessee auto insurance rates? Find out how car insurance rates in Ardmore, TN are impacted by demographics.
| 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 | $2,842 | $2,737 | $2,548 | $2,646 | $10,480 | $11,394 | $3,049 | $3,162 |
| 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 |
| Nationwide | $2,029 | $2,050 | $1,818 | $1,853 | $5,414 | $7,005 | $2,323 | $2,533 |
| Progressive | $1,857 | $1,756 | $1,511 | $1,580 | $8,254 | $9,304 | $2,238 | $2,447 |
| State Farm | $1,539 | $1,539 | $1,378 | $1,378 | $4,553 | $5,707 | $1,735 | $2,011 |
| Travelers | $1,774 | $1,868 | $1,606 | $1,710 | $4,916 | $6,072 | $1,891 | $1,991 |
| USAA | $1,628 | $1,653 | $1,469 | $1,465 | $5,911 | $6,773 | $2,125 | $2,269 |
Buy Cheap Ardmore, TN Auto Insurance for Teen Drivers
Auto insurance for teenagers in Ardmore can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Ardmore, TN are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,480 | $11,394 |
| Farmers | $7,422 | $7,867 |
| Geico | $6,611 | $6,752 |
| Nationwide | $5,414 | $7,005 |
| Progressive | $8,254 | $9,304 |
| State Farm | $4,553 | $5,707 |
| Travelers | $4,916 | $6,072 |
| USAA | $5,911 | $6,773 |
Buy Cheap Ardmore, TN Auto Insurance for Seniors
You can save on senior auto insurance rates in Ardmore, Tennessee by comparing Ardmore senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Ardmore, TN here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,548 | $2,646 |
| Farmers | $1,690 | $1,844 |
| Geico | $2,082 | $2,082 |
| Nationwide | $1,818 | $1,853 |
| Progressive | $1,511 | $1,580 |
| State Farm | $1,378 | $1,378 |
| Travelers | $1,606 | $1,710 |
| USAA | $1,469 | $1,465 |
Find Cheap Auto Insurance Rates in Ardmore, TN by Coverage Level
The amount of coverage you choose is a big factor in the cost of Ardmore, Tennessee auto insurance. Compare Ardmore, TN auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,682 | $4,846 | $5,044 |
| 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 | $3,396 | $3,616 | $3,843 |
| State Farm | $2,351 | $2,490 | $2,599 |
| Travelers | $2,570 | $2,726 | $2,889 |
| USAA | $2,824 | $2,902 | $3,009 |
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Find Cheap Ardmore, TN Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Ardmore. Compare auto insurance rates in Ardmore, TN by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,857 | $4,857 |
| Farmers | $3,482 | $3,482 |
| Geico | $3,318 | $3,351 |
| Liberty Mutual | $5,643 | $5,643 |
| Nationwide | $3,128 | $3,128 |
| Progressive | $3,618 | $3,618 |
| State Farm | $2,422 | $2,538 |
| Travelers | $2,621 | $2,836 |
| USAA | $2,830 | $2,993 |
Find Cheap Ardmore, TN Auto Insurance Rates by Driving Record
Auto insurance rates in Ardmore, Tennessee are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Ardmore, TN, take a look at the average cost for various violations versus rates for a clean driving record in Ardmore.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,083 | $4,858 | $5,834 | $4,655 |
| 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 | $3,188 | $4,133 | $3,396 | $3,757 |
| State Farm | $2,270 | $2,690 | $2,480 | $2,480 |
| Travelers | $2,213 | $2,839 | $3,137 | $2,724 |
| USAA | $2,112 | $3,173 | $3,742 | $2,619 |
Find Cheap Ardmore, TN Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Ardmore, Tennessee is higher than for a clean driving record. You can buy auto insurance after a DUI in Ardmore for less when you shop around and compare rates from multiple Ardmore, TN auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,834 |
| Farmers | $3,753 |
| Geico | $5,282 |
| Liberty Mutual | $6,132 |
| Nationwide | $4,070 |
| Progressive | $3,396 |
| State Farm | $2,480 |
| Travelers | $3,137 |
| USAA | $3,742 |
Winners by Category: Where to Buy Cheap Auto Insurance in Ardmore, TN
Compare rates from the cheapest auto insurance companies in Ardmore, TN for your needs. Take a look at how Ardmore, Tennessee auto insurance companies stack up for each category.
| 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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Find Cheap Ardmore, Tennessee Auto Insurance Companies
If you’re looking for the cheapest Ardmore, TN auto insurance companies overall, you can compare them here. Find the best price for Ardmore, Tennessee car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,857 |
| Farmers | $3,482 |
| Geico | $3,335 |
| Nationwide | $3,128 |
| Progressive | $3,618 |
| State Farm | $2,480 |
| Travelers | $2,728 |
| USAA | $2,912 |
What affects Ardmore, Tennessee auto insurance rates?
Local factors affect auto insurance rates in Ardmore, TN, including traffic, theft statistics, and commute length. Take a look at the things that impact Ardmore auto insurance rates.
Commute Times in Ardmore
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Ardmore, TN is 26.5 minutes according to City-Data.
Compare Auto Insurance Quotes in Ardmore, TN
You can buy cheap Ardmore, TN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Ardmore, Tennessee auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Ardmore, TN?
To find cheap auto insurance in Ardmore, TN, you can follow these steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record, as insurance companies often offer lower rates to safe drivers.
- Consider raising your deductible, which can lower your premium.
- Opt for a vehicle with lower insurance costs and safety features.
- Inquire about available discounts, such as multi-policy or safe driver discounts.
- Ask your insurance agent about any specific discounts or programs that may be available in Ardmore, TN.
What factors affect the cost of auto insurance in Ardmore, TN?
Several factors can influence the cost of auto insurance in Ardmore, TN. These factors include:
- Your driving history and record
- Your age, gender, and marital status
- The type of vehicle you drive
- The coverage options and deductibles you choose
- Your credit score
- The location where you live in Ardmore, TN
- The miles you drive annually
- Any additional drivers on your policy
- Your claims history and insurance score
Are there any specific auto insurance requirements in Ardmore, TN?
Yes, Ardmore, TN follows the state of Tennessee auto insurance requirements. The minimum coverage required includes:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident It’s important to note that these are the minimum requirements, and you may choose to purchase additional coverage for more protection.
Are there any discounts available for auto insurance in Ardmore, TN?
Yes, insurance companies often offer various discounts that can help reduce the cost of auto insurance in Ardmore, TN. Some common discounts include:
- Multi-policy discount for bundling auto and home insurance with the same provider
- Safe driver discount for maintaining a clean driving record
- Good student discount for students with excellent academic performance
- Low mileage discount for driving fewer miles annually
- Vehicle safety feature discount for having anti-theft devices or safety features in your car
- Pay-in-full discount for paying your premium upfront
How can I get a quote for auto insurance in Ardmore, TN?
There are multiple ways to obtain a quote for auto insurance in Ardmore, TN:
- Contact insurance companies directly by phone or visit their websites to request a quote online.
- Work with an independent insurance agent who can provide quotes from multiple insurance companies.
- Utilize online insurance comparison tools to compare quotes from different insurers in Ardmore, TN.
What should I consider when choosing an auto insurance provider in Ardmore, TN?
When choosing an auto insurance provider in Ardmore, TN, consider the following factors:
- Reputation and financial stability of the insurance company
- Coverage options and limits provided
- Customer service and claims handling process
- Discounts and additional benefits offered
- Price competitiveness compared to other insurers
- Availability of convenient payment options and online account management
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.