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Get Cheap Car Insurance in Pickwick Dam, TN

We monitor insurance prices, helping the average driver in Pickwick Dam save up to 31.8% on car insurance.

 

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The Cheapest Minimum Coverage in Pickwick Dam

The chart below shows the cheapest car insurance company in Pickwick Dam 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.

 
Pickwick Dam Insurer Monthly Cost
State Farm $51
Geico $57
Farmers Insurance $58
Safeco Insurance $58

Savings for Every Kind of Pickwick Dam Driver

The table shows how much the average auto insurance customer in Pickwick Dam might save by following our recommendations.

Based on our extensive insurance data, we know the average Pickwick Dam 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 $348 per year by choosing the right vehicle insurance company. Some Pickwick Dam residents are paying out over $1,363 extra every year for auto insurance in Pickwick Dam. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Pickwick Dam Car Insurance vs. Tennessee

People living in Pickwick Dam pay an average of 1.13% less than the typical driver in the state. The average driver in Pickwick Dam can expect to pay about $858 per year, or $1,363 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Pickwick Dam for most people.

Car Insurance Prices by Pickwick Dam Neighborhood

Pickwick Dam, TN map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Pickwick Dam?

The map shows insurance prices in and around Pickwick Dam, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $32 per year within the city boundaries, with insurance premiums ranging from a high of $1,368 to a low of $1,336. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the West parts of Pickwick Dam.

Pick the Best Car Insurance Company for You in Pickwick Dam

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Pickwick Dam insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Pickwick Dam

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $348 over the average Pickwick Dam car insurance company.

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We use the average good driver, paying $85 per month, as our baseline for pricing in Pickwick Dam. Auto-Owners Insurance, Novo, and Elephant are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Pickwick Dam drivers with accidents on their records

In Pickwick Dam getting into an accident will raise premiums an average 41% for a yearly cost of $2,325. That's $962 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Novo, and Elephant are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $628 over the competition.

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The best car insurance company for Pickwick Dam drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $464 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Pickwick Dam, tickets raise premiums on new quotes about $635. If you have a speeding ticket, we recommend State Farm, Novo, and Elephant for savings that beat the average insurance cost of $1,998 per year.

The best auto insurance for Pickwick Dam drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,128 per year in auto insurance premiums, which was $764 more than a driver with no major issues. State Farm, Progressive, and Novo penalized their customers the least for a DUI.

Getting a quote from Novo may cost the average person with a DUI about $531 less each year.

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The least expensive car insurance company for new and young drivers in Pickwick Dam

In Pickwick Dam, State Farm costs young drivers $1,367 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 72% more for insurance than more mature drivers in Pickwick Dam. With an average cost of $4,792 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Pickwick Dam

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $108. State Farm, Geico, and Progressive provided the largest discounts to couples living in Pickwick Dam.

State Farm gave the largest car insurance discounts to married couples, averaging $329 saved each year compared to an average Pickwick Dam couple's premiums.

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The cheapest car insurance in Pickwick Dam for drivers with bad credit

People with poor credit saved an average of $569 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $813 every year. Premiums for people with poor credit were about $2,176 in Pickwick Dam. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farmers Insurance, and Safeco Insurance.

The best Pickwick Dam car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Pickwick Dam, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Pickwick Dam.

Nationwide was the best company for customer service in Pickwick Dam according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Pickwick Dam, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Pickwick Dam. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Pickwick Dam

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 20% of Pickwick Dam residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Pickwick Dam driver can expect to pay about $95 per month.

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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 Pickwick Dam, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Pickwick Dam

What Influences the Cost of Car Insurance in Pickwick Dam?

On average, car insurance in Pickwick Dam 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 Pickwick Dam is 23 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 Pickwick Dam are among the highest 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.
  • Pickwick Dam is a fairly densely populated area in the state. The city’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 Pickwick Dam is $72 per month for minimum coverage and $114 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

  • Counce: Insurance costs 0.15% less
  • Pyburns: Insurance costs 1.47% less
  • Nixon: Insurance costs 2.27% less
  • Tulu: Insurance costs 0.88% less
  • Lowryville: Insurance costs 0.88% less
  • Doskie: Insurance costs 18.34% more
  • Shiloh: Insurance costs 0.37% less
  • Walkertown: Insurance costs 3.08% less
  • Michie: Insurance costs 2.20% less
  • Kendrick: Insurance costs 19.22% more

Cities with Similar Populations

* Who is the average Pickwick Dam driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Pickwick Dam with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.