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Get Cheap Car Insurance in 38469, TN
We monitor insurance prices, helping the average driver in 38469 save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in 38469
The chart below shows the cheapest car insurance company in 38469 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.
| 38469 Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Geico | $56 |
| Farmers Insurance | $57 |
| Safeco Insurance | $57 |
Savings for Every Kind of 38469 Driver
Based on our extensive insurance data, we know the average 38469 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 $341 per year by choosing the right vehicle insurance company. Some 38469 residents are paying out over $1,336 extra every year for auto insurance in 38469. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
38469, TN Savings / Yr. |
|---|---|
$341 |
|
$615 |
|
$454 |
|
$520 |
|
$1,340 |
|
$323 |
|
$558 |
38469 Car Insurance vs. Tennessee
People living in 38469 pay an average of 3.11% less than the typical driver in the state. The average driver in 38469 can expect to pay about $841 per year, or $1,336 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in 38469 for most people.
Car Insurance Prices by 38469 Neighborhood
Insurance Prices
Where is insurance cheapest within 38469?
The map shows insurance prices in and around 38469, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $78 per year within the zip boundaries, with insurance premiums ranging from a high of $1,397 to a low of $1,319. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of 38469.Pick the Best Car Insurance Company for You in 38469
The best car insurance provider for most drivers in 38469
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $341 over the average 38469 car insurance company.
The best car insurance provider for 38469 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 $615 over the competition.
The best car insurance company for 38469 drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $454 better than other car insurance companies.
The best auto insurance for 38469 drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $520 less each year.
The least expensive car insurance company for new and young drivers in 38469
In 38469, State Farm costs young drivers $1,340 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 38469
State Farm gave the largest car insurance discounts to married couples, averaging $323 saved each year compared to an average 38469 couple's premiums.
The cheapest car insurance in 38469 for drivers with bad credit
The best 38469 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 38469
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 38469 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 38469, 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 38469
What Influences the Cost of Car Insurance in 38469?
On average, car insurance in 38469 is actually less expensive than the rest of the state. These low 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:
- 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 38469 are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- 38469 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 38469 is $70 per month for minimum coverage and $111 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
- 38481: Insurance costs 0.90% more
- 38457: Insurance costs 1.57% more
- 38468: Insurance costs 0.07% more
- 35648: Insurance costs 16.17% more
- 38486: Insurance costs 0.52% more
- 38463: Insurance costs 0.60% more
- 35610: Insurance costs 18.26% more
- 38473: Insurance costs 0.22% less
- 38460: Insurance costs 1.57% less
- 35647: Insurance costs 16.92% more
Zip Codes with Similar Populations
- 17018: Insurance costs 4.79% less
- 38650: Insurance costs 25.82% more
- 62902: Insurance costs 9.81% more
- 63873: Insurance costs 35.25% more
- 84713: Insurance costs the same
- 85543: Insurance costs 20.88% more
- 87323: Insurance costs 8.38% more
- 12871: Insurance costs 57.63% more
- 12053: Insurance costs 64.82% more
- 66508: Insurance costs 13.17% more