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 Hardy Acres, TN
We monitor insurance prices, helping the average driver in Hardy Acres save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Hardy Acres
The chart below shows the cheapest car insurance company in Hardy Acres 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.
| Hardy Acres Insurer | Monthly Cost |
|---|---|
| State Farm | $52 |
| Geico | $58 |
| Farmers Insurance | $59 |
| Safeco Insurance | $59 |
Savings for Every Kind of Hardy Acres Driver
Based on our extensive insurance data, we know the average Hardy Acres 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 $353 per year by choosing the right vehicle insurance company. Some Hardy Acres residents are paying out over $1,383 extra every year for auto insurance in Hardy Acres. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hardy Acres, TN Savings / Yr. |
|---|---|
$353 |
|
$637 |
|
$470 |
|
$538 |
|
$1,387 |
|
$334 |
|
$578 |
Hardy Acres Car Insurance vs. Tennessee
People living in Hardy Acres pay an average of 0.28% more than the typical driver in the state. The average driver in Hardy Acres can expect to pay about $870 per year, or $1,383 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Hardy Acres for most people.
Car Insurance Prices by Hardy Acres Neighborhood
Insurance Prices
Where is insurance cheapest within Hardy Acres?
The map shows insurance prices in and around Hardy Acres, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,383 to a low of $1,383. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Hardy Acres.Pick the Best Car Insurance Company for You in Hardy Acres
The best car insurance provider for most drivers in Hardy Acres
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $353 over the average Hardy Acres car insurance company.
The best car insurance provider for Hardy Acres 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 $637 over the competition.
The best car insurance company for Hardy Acres drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $470 better than other car insurance companies.
The best auto insurance for Hardy Acres drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $538 less each year.
The least expensive car insurance company for new and young drivers in Hardy Acres
In Hardy Acres, State Farm costs young drivers $1,387 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hardy Acres
State Farm gave the largest car insurance discounts to married couples, averaging $334 saved each year compared to an average Hardy Acres couple's premiums.
The cheapest car insurance in Hardy Acres for drivers with bad credit
The best Hardy Acres car insurance company for customer service
Nationwide was the best company for customer service in Hardy Acres according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hardy Acres, which was better than other insurers.
The cheapest large national provider in Hardy Acres
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Hardy Acres 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 Hardy Acres, 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 Hardy Acres
What Influences the Cost of Car Insurance in Hardy Acres?
On average, car insurance in Hardy Acres 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 city are influenced by the following factors:
- The average commute time in Hardy Acres is 36 minutes, which is about the national 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 Hardy Acres 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.
- Hardy Acres 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 Hardy Acres is $73 per month for minimum coverage and $115 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
- Columbia: Insurance costs 1.88% more
- Carters Creek: Insurance costs 2.39% more
- Neapolis: Insurance costs 1.16% less
- Lanton: Insurance costs 0.94% more
- Match: Insurance costs 2.60% less
- Theta: Insurance costs 1.88% less
- Spring Hill: Insurance costs 1.16% more
- Santa Fe: Insurance costs 3.11% less
- Fountain Heights: Insurance costs 2.75% less
- Pottsville: Insurance costs 2.10% less
Cities with Similar Populations
- Elkins: Insurance costs 4.56% more
- White Rock: Insurance costs 106.29% more
- Escobas: Insurance costs 20.46% more
- Errol: Insurance costs 29.79% less
- Erhard: Insurance costs 2.17% less
- Erda: Insurance costs 4.41% more
- Emerson: Insurance costs 99.78% more
- Elmira: Insurance costs 32.25% more
- Ellisville: Insurance costs 14.46% less
- Ellen: Insurance costs 58.57% more