Buy Cheap Central, TN Auto Insurance (2022)

Central, TN auto insurance rates average $243 a month. Minimum auto insurance requirements in Central, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Central, TN, compare Central auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Central after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Central is Allstate
  • Average auto insurance rates in Central, TN are $243/month

Finding affordable Central, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Central, TN auto insurance with confidence is right here. Auto insurance rates in Central are affected by local factors as well as personal ones like your driving record.

See how Central, TN car insurance rates compare to Hendersonville auto insurance rates, Memphis auto insurance rates, and Clarksville auto insurance rates before you read more about the cost of auto insurance in Central.

Don’t buy Central, TN auto insurance until you’ve compared rates. Get free Central, Tennessee auto insurance quotes when you enter your ZIP code above.

Central, TN Minimum Auto Insurance Requirements

The required auto insurance in Central, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Central, Tennessee is outlined here.

Minimum Required Auto Insurance Coverage in Central, 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

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Find Cheap Central, TN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Central, TN. Take a look at Central, Tennessee auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Central, Tennessee

Insurance Company Poor Fair Good
Allstate $5,301 $4,072 $3,118
Farmers $3,580 $2,801 $2,649
GEICO $3,216 $2,761 $2,541
Liberty Mutual $7,528 $4,639 $3,632
Nationwide $3,653 $2,912 $2,586
Progressive $3,372 $2,916 $2,727
State Farm $3,355 $2,014 $1,565
Travelers $3,027 $2,399 $1,751
USAA $3,663 $2,143 $1,767

Buy Cheap Central, TN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Central, Tennessee auto insurance rates? Find out how car insurance rates in Central, TN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Central, 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 $2,411 $2,313 $2,176 $2,257 $9,070 $9,877 $2,560 $2,646
Farmers $1,582 $1,610 $1,419 $1,562 $6,552 $6,951 $2,139 $2,266
GEICO $1,844 $1,854 $1,691 $1,691 $5,857 $5,936 $1,889 $1,951
Nationwide $1,958 $1,971 $1,762 $1,786 $5,364 $6,886 $2,247 $2,428
Progressive $1,519 $1,428 $1,240 $1,296 $6,935 $7,796 $1,829 $1,996
State Farm $1,392 $1,392 $1,263 $1,263 $4,347 $5,427 $1,575 $1,834
Travelers $1,526 $1,603 $1,405 $1,491 $4,361 $5,435 $1,618 $1,700
USAA $1,432 $1,457 $1,291 $1,291 $5,059 $5,809 $1,864 $1,991

Buy Cheap Central, TN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Central can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Central, TN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Central, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,070 $9,877
Farmers $6,552 $6,951
GEICO $5,857 $5,936
Nationwide $5,364 $6,886
Progressive $6,935 $7,796
State Farm $4,347 $5,427
Travelers $4,361 $5,435
USAA $5,059 $5,809

Buy Cheap Central, TN Auto Insurance for Seniors

You can save on senior auto insurance rates in Central, Tennessee by comparing Central senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Central, TN here.

Annual Auto Insurance Rates for Senior Drivers in Central, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,176 $2,257
Farmers $1,419 $1,562
GEICO $1,691 $1,691
Nationwide $1,762 $1,786
Progressive $1,240 $1,296
State Farm $1,263 $1,263
Travelers $1,405 $1,491
USAA $1,291 $1,291

Find Cheap Auto Insurance Rates in Central, TN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Central, Tennessee auto insurance. Compare Central, TN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Central, Tennessee

Insurance Company Low Medium High
Allstate $4,017 $4,154 $4,321
Farmers $2,834 $2,994 $3,202
GEICO $2,694 $2,834 $2,989
Liberty Mutual $5,037 $5,267 $5,496
Nationwide $3,065 $2,986 $3,100
Progressive $2,809 $3,007 $3,199
State Farm $2,173 $2,323 $2,439
Travelers $2,244 $2,391 $2,542
USAA $2,450 $2,516 $2,606

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Find Cheap Central, TN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Central. Compare auto insurance rates in Central, TN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Central, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,164 $4,164
Farmers $3,010 $3,010
GEICO $2,818 $2,861
Liberty Mutual $5,267 $5,267
Nationwide $3,050 $3,050
Progressive $3,005 $3,005
State Farm $2,256 $2,367
Travelers $2,299 $2,486
USAA $2,454 $2,595

Find Cheap Central, TN Auto Insurance Rates by Driving Record

Auto insurance rates in Central, Tennessee are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Central, TN, take a look at the average cost for various violations versus rates for a clean driving record in Central.

Annual Central, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,485 $4,153 $5,027 $3,989
Farmers $2,567 $3,188 $3,263 $3,022
GEICO $2,081 $2,767 $4,428 $2,081
Liberty Mutual $4,270 $6,161 $5,725 $4,910
Nationwide $2,648 $2,648 $3,945 $2,960
Progressive $2,649 $3,439 $2,819 $3,114
State Farm $2,101 $2,522 $2,312 $2,312
Travelers $1,943 $2,493 $2,752 $2,382
USAA $1,839 $2,747 $3,233 $2,278

Find Cheap Central, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Central, Tennessee is higher than for a clean driving record. You can buy auto insurance after a DUI in Central for less when you shop around and compare rates from multiple Central, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Central, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,027
Farmers $3,263
GEICO $4,428
Liberty Mutual $5,725
Nationwide $3,945
Progressive $2,819
State Farm $2,312
Travelers $2,752
USAA $3,233

Winners by Category: Where to Buy Cheap Auto Insurance in Central, TN

Compare rates from the cheapest auto insurance companies in Central, TN for your needs. Take a look at how Central, Tennessee auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Central, Tennessee

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

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Find Cheap Central, Tennessee Auto Insurance Companies

If you’re looking for the cheapest Central, TN auto insurance companies overall, you can compare them here. Find the best price for Central, Tennessee car insurance by company.

Average Annual Auto Insurance Rates by Company in Central, Tennessee

Insurance Company Average Annual Rates
Allstate $4,164
Farmers $3,010
GEICO $2,839
Nationwide $3,050
Progressive $3,005
State Farm $2,312
Travelers $2,392
USAA $2,524

What affects Central, Tennessee auto insurance rates?

Local factors affect auto insurance rates in Central, TN, including traffic, theft statistics, and commute length. Take a look at the things that impact Central auto insurance rates.

Commute Times in Central

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Central, TN is 17.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Central, TN

You can buy cheap Central, TN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Central, Tennessee auto insurance quotes from top companies.

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