Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Gardner, TN
We monitor insurance prices, helping the average driver in Gardner save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Gardner
The chart below shows the cheapest car insurance company in Gardner 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.
| Gardner Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Geico | $55 |
| Farmers Insurance | $56 |
| Safeco Insurance | $57 |
Savings for Every Kind of Gardner Driver
Based on our extensive insurance data, we know the average Gardner 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 $339 per year by choosing the right vehicle insurance company. Some Gardner residents are paying out over $1,327 extra every year for auto insurance in Gardner. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gardner, TN Savings / Yr. |
|---|---|
$339 |
|
$611 |
|
$451 |
|
$517 |
|
$1,331 |
|
$321 |
|
$554 |
Gardner Car Insurance vs. Tennessee
People living in Gardner pay an average of 3.75% less than the typical driver in the state. The average driver in Gardner can expect to pay about $835 per year, or $1,327 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Gardner for most people.
Car Insurance Prices by Gardner Neighborhood
Insurance Prices
Where is insurance cheapest within Gardner?
The map shows insurance prices in and around Gardner, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $29 per year within the city boundaries, with insurance premiums ranging from a high of $1,339 to a low of $1,310. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Gardner.Pick the Best Car Insurance Company for You in Gardner
The best car insurance provider for most drivers in Gardner
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $339 over the average Gardner car insurance company.
The best car insurance provider for Gardner 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 $611 over the competition.
The best car insurance company for Gardner drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $451 better than other car insurance companies.
The best auto insurance for Gardner drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $517 less each year.
The least expensive car insurance company for new and young drivers in Gardner
In Gardner, State Farm costs young drivers $1,331 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gardner
State Farm gave the largest car insurance discounts to married couples, averaging $321 saved each year compared to an average Gardner couple's premiums.
The cheapest car insurance in Gardner for drivers with bad credit
The best Gardner car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Gardner, which was better than other insurers.
The cheapest large national provider in Gardner
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Gardner 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 Gardner, 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 Gardner
What Influences the Cost of Car Insurance in Gardner?
On average, car insurance in Gardner 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 city are influenced by the following factors:
- The average commute time in Gardner is 18 minutes, which is far less 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 Gardner are lower than average 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.
- Gardner is a lightly populated area in the state. The city’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 Gardner 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 Cities
- Martin: Insurance costs 0.60% more
- Terrell: Insurance costs the same
- Mount Pelia: Insurance costs 0.83% less
- Ralston: Insurance costs 0.90% less
- McConnell: Insurance costs 0.08% more
- Gibbs: Insurance costs 2.56% more
- Sidonia: Insurance costs 1.36% more
- Rives: Insurance costs 0.15% less
- Hyndsver: Insurance costs 0.15% less
- Sharon: Insurance costs 0.23% more
Cities with Similar Populations
- Thedford: Insurance costs 10.40% more
- Equality: Insurance costs 14.39% more
- Eskdale: Insurance costs 17.18% more
- Sumner: Insurance costs 26.68% more
- Superior: Insurance costs 9.50% less
- Surprise: Insurance costs 67.75% more
- Sweden: Insurance costs 34.89% more
- Swift: Insurance costs 1.51% more
- Sylvan: Insurance costs 0.53% less
- Talmoon: Insurance costs 23.59% more