Buy Cheap Watertown, TN Auto Insurance (2021)

Watertown, TN auto insurance rates average $261 a month. Minimum auto insurance requirements in Watertown, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Watertown, TN, compare Watertown 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 Watertown is Allstate
  • Average auto insurance rates in Watertown, TN for teens drivers are $6,366/year
  • Average auto insurance rates in Watertown, TN are $261/month

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

See how Watertown, TN car insurance rates compare to Knoxville auto insurance rates, Franklin auto insurance rates, and Bartlett auto insurance rates before you read more about the cost of auto insurance in Watertown.

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

Watertown, TN Minimum Auto Insurance Requirements

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

Minimum Required Auto 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

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Find Cheap Watertown, TN Auto Insurance by Credit History

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

Annual Auto 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

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

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

Annual Auto 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
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

Buy Cheap Watertown, TN Auto Insurance for Teen Drivers

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

Annual Auto 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
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

Buy Cheap Watertown, TN Auto Insurance for Seniors

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

Annual Auto 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
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

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

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

Annual Auto 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

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Find Cheap Watertown, TN Auto Insurance Rates by Commute

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

Annual Auto 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

Find Cheap Watertown, TN Auto Insurance Rates by Driving Record

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

Annual Watertown, Tennessee Auto 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

Find Cheap Watertown, TN Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Watertown, Tennessee

Insurance Company Annual Auto 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

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

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

Best Annual Auto 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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Find Cheap Watertown, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Watertown, Tennessee

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

What affects Watertown, Tennessee auto insurance rates?

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

Commute Times in Watertown

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Watertown, TN is 35.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Watertown, TN

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

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