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Get Cheap Car Insurance in Surgoinsville, TN
We monitor insurance prices, helping the average driver in Surgoinsville save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Surgoinsville
The chart below shows the cheapest car insurance company in Surgoinsville 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.
| Surgoinsville Insurer | Monthly Cost |
|---|---|
| State Farm | $52 |
| Geico | $58 |
| Farmers Insurance | $59 |
| Safeco Insurance | $59 |
Savings for Every Kind of Surgoinsville Driver
Based on our extensive insurance data, we know the average Surgoinsville 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 $352 per year by choosing the right vehicle insurance company. Some Surgoinsville residents are paying out over $1,378 extra every year for auto insurance in Surgoinsville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Surgoinsville, TN Savings / Yr. |
|---|---|
$352 |
|
$635 |
|
$469 |
|
$537 |
|
$1,382 |
|
$333 |
|
$576 |
Surgoinsville Car Insurance vs. Tennessee
People living in Surgoinsville pay an average of 0.05% less than the typical driver in the state. The average driver in Surgoinsville can expect to pay about $868 per year, or $1,378 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Surgoinsville for most people.
Car Insurance Prices by Surgoinsville Neighborhood
Insurance Prices
Where is insurance cheapest within Surgoinsville?
The map shows insurance prices in and around Surgoinsville, 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 city boundaries, with insurance premiums ranging from a high of $1,426 to a low of $1,348. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Surgoinsville.Pick the Best Car Insurance Company for You in Surgoinsville
The best car insurance provider for most drivers in Surgoinsville
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $352 over the average Surgoinsville car insurance company.
The best car insurance provider for Surgoinsville 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 $635 over the competition.
The best car insurance company for Surgoinsville drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $469 better than other car insurance companies.
The best auto insurance for Surgoinsville drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $537 less each year.
The least expensive car insurance company for new and young drivers in Surgoinsville
In Surgoinsville, State Farm costs young drivers $1,382 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Surgoinsville
State Farm gave the largest car insurance discounts to married couples, averaging $333 saved each year compared to an average Surgoinsville couple's premiums.
The cheapest car insurance in Surgoinsville for drivers with bad credit
The best Surgoinsville car insurance company for customer service
Nationwide was the best company for customer service in Surgoinsville according to the NAIC.
Recent price drops
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The cheapest large national provider in Surgoinsville
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Surgoinsville 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 Surgoinsville, 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 Surgoinsville
What Influences the Cost of Car Insurance in Surgoinsville?
On average, car insurance in Surgoinsville 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 Surgoinsville is 30 minutes, which is a little 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 Surgoinsville are lower than 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.
- Surgoinsville 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 Surgoinsville is $72 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
- Stony Point: Insurance costs 0.73% less
- Christian Bend: Insurance costs 0.80% less
- Honeycutt: Insurance costs 0.22% more
- Independence: Insurance costs 0.65% less
- New Canton: Insurance costs 0.58% more
- Goshen: Insurance costs 2.10% less
- Church Hill: Insurance costs 2.03% less
- Rogersville: Insurance costs 0.58% less
- Camelot: Insurance costs 2.03% more
- Willis: Insurance costs 1.52% less
Cities with Similar Populations
- Baltic: Insurance costs 21.04% less
- Fulton: Insurance costs 52.90% more
- Ely: Insurance costs 17.27% more
- Hurt: Insurance costs 12.12% less
- Elysburg: Insurance costs 3.77% less
- North Lima: Insurance costs 21.63% less
- Empire: Insurance costs 15.38% more
- Ballinger: Insurance costs 21.12% more
- Le Roy: Insurance costs 0.73% more
- Marysville: Insurance costs 9.72% more