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 Pearl City, TN
We monitor insurance prices, helping the average driver in Pearl City save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Pearl City
The chart below shows the cheapest car insurance company in Pearl City 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.
| Pearl City Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Geico | $56 |
| Farmers Insurance | $57 |
| Safeco Insurance | $57 |
Savings for Every Kind of Pearl City Driver
Based on our extensive insurance data, we know the average Pearl City 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 $340 per year by choosing the right vehicle insurance company. Some Pearl City residents are paying out over $1,334 extra every year for auto insurance in Pearl City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pearl City, TN Savings / Yr. |
|---|---|
$340 |
|
$614 |
|
$454 |
|
$519 |
|
$1,338 |
|
$322 |
|
$557 |
Pearl City Car Insurance vs. Tennessee
People living in Pearl City pay an average of 3.29% less than the typical driver in the state. The average driver in Pearl City can expect to pay about $839 per year, or $1,334 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Pearl City for most people.
Car Insurance Prices by Pearl City Neighborhood
Insurance Prices
Where is insurance cheapest within Pearl City?
The map shows insurance prices in and around Pearl City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $16 per year within the city boundaries, with insurance premiums ranging from a high of $1,344 to a low of $1,328. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Pearl City.Pick the Best Car Insurance Company for You in Pearl City
The best car insurance provider for most drivers in Pearl City
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $340 over the average Pearl City car insurance company.
The best car insurance provider for Pearl City 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 $614 over the competition.
The best car insurance company for Pearl City 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 Pearl City drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $519 less each year.
The least expensive car insurance company for new and young drivers in Pearl City
In Pearl City, State Farm costs young drivers $1,338 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pearl City
State Farm gave the largest car insurance discounts to married couples, averaging $322 saved each year compared to an average Pearl City couple's premiums.
The cheapest car insurance in Pearl City for drivers with bad credit
The best Pearl City car insurance company for customer service
Nationwide was the best company for customer service in Pearl City 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 Pearl City, which was better than other insurers.
The cheapest large national provider in Pearl City
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Pearl City 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 Pearl City, 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 Pearl City
What Influences the Cost of Car Insurance in Pearl City?
On average, car insurance in Pearl City 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 Pearl City 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 Pearl City are among the highest 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.
- Pearl City has an average population density 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 Pearl City 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
- Coldwater: Insurance costs 0.37% more
- Dellrose: Insurance costs 0.60% more
- Hughey: Insurance costs 0.15% less
- Frankewing: Insurance costs 0.37% less
- Taft: Insurance costs 0.82% more
- Fayetteville: Insurance costs 1.50% more
- Bunker Hill: Insurance costs 1.05% more
- Howell: Insurance costs 0.90% less
- Ardmore: Insurance costs 0.90% more
- Baugh: Insurance costs 1.35% more
Cities with Similar Populations
- Skelp: Insurance costs 0.82% less
- Lake Beulah: Insurance costs 17.32% less
- Lake Harbor: Insurance costs 110.87% more
- Lake Suzy: Insurance costs 77.89% more
- Lakeside: Insurance costs 44.68% more
- Lamont: Insurance costs 1.50% more
- Lewiston Orchards: Insurance costs 18.52% less
- Locke: Insurance costs 24.36% more
- Siloam Springs: Insurance costs 33.96% more
- Lairdsville: Insurance costs 0.52% more