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Get Cheap Car Insurance in 38046, TN
We monitor insurance prices, helping the average driver in 38046 save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in 38046
The chart below shows the cheapest car insurance company in 38046 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Farmers Insurance, and Safeco Insurance.
| 38046 Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Geico | $59 |
| Farmers Insurance | $60 |
| Safeco Insurance | $60 |
Savings for Every Kind of 38046 Driver
Based on our extensive insurance data, we know the average 38046 driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $360 per year by choosing the right vehicle insurance company. Some 38046 residents are paying out over $1,409 extra every year for auto insurance in 38046. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
38046, TN Savings / Yr. |
|---|---|
$360 |
|
$649 |
|
$479 |
|
$549 |
|
$1,413 |
|
$340 |
|
$588 |
38046 Car Insurance vs. Tennessee
People living in 38046 pay an average of 2.14% more than the typical driver in the state. The average driver in 38046 can expect to pay about $887 per year, or $1,409 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in 38046 for most people.
Car Insurance Prices by 38046 Neighborhood
Insurance Prices
Where is insurance cheapest within 38046?
The map shows insurance prices in and around 38046, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $19 per year within the zip boundaries, with insurance premiums ranging from a high of $1,422 to a low of $1,403. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of 38046.Pick the Best Car Insurance Company for You in 38046
The best car insurance provider for most drivers in 38046
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $360 over the average 38046 car insurance company.
The best car insurance provider for 38046 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $649 over the competition.
The best car insurance company for 38046 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $479 better than other car insurance companies.
The best auto insurance for 38046 drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $549 less each year.
The least expensive car insurance company for new and young drivers in 38046
In 38046, State Farm costs young drivers $1,413 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 38046
State Farm gave the largest car insurance discounts to married couples, averaging $340 saved each year compared to an average 38046 couple's premiums.
The cheapest car insurance in 38046 for drivers with bad credit
The best 38046 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 38046
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 38046 driver can expect to pay about $95 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 38046, USAA has the best prices for married couples, good drivers, drivers with accidents, drivers with bad credit, drivers with a DUI conviction, drivers with speeding tickets, and young drivers.Auto Insurance Prices in and Around 38046
What Influences the Cost of Car Insurance in 38046?
On average, car insurance in 38046 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 38046 is 56 minutes, which is far more than average for a driver in the state.
- Tennessee state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 38046 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- 38046 is a lightly populated area in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 38046 is $74 per month for minimum coverage and $117 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 38039: Insurance costs 3.19% more
- 38647: Insurance costs 21.58% more
- 38057: Insurance costs 2.98% more
- 38042: Insurance costs 3.34% more
- 38642: Insurance costs 21.50% more
- 38067: Insurance costs 3.55% more
- 38076: Insurance costs 1.56% more
- 38066: Insurance costs 1.85% more
- 38052: Insurance costs 1.70% less
- 38683: Insurance costs 19.59% more
Zip Codes with Similar Populations
- 98238: Insurance costs 2.91% less
- 15378: Insurance costs 3.05% less
- 15379: Insurance costs 2.70% less
- 15449: Insurance costs 0.43% more
- 15492: Insurance costs 1.70% less
- 22548: Insurance costs 16.32% less
- 23313: Insurance costs 14.69% less
- 95724: Insurance costs 34.78% more
- 96061: Insurance costs 26.69% more
- 96742: Insurance costs 1.63% less