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 Union Temple, TN
We monitor insurance prices, helping the average driver in Union Temple save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Union Temple
The chart below shows the cheapest car insurance company in Union Temple 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.
| Union Temple Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Geico | $56 |
| Farmers Insurance | $57 |
| Safeco Insurance | $57 |
Savings for Every Kind of Union Temple Driver
Based on our extensive insurance data, we know the average Union Temple 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 Union Temple residents are paying out over $1,333 extra every year for auto insurance in Union Temple. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Union Temple, TN Savings / Yr. |
|---|---|
$340 |
|
$614 |
|
$454 |
|
$519 |
|
$1,337 |
|
$322 |
|
$557 |
Union Temple Car Insurance vs. Tennessee
People living in Union Temple pay an average of 3.30% less than the typical driver in the state. The average driver in Union Temple can expect to pay about $839 per year, or $1,333 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Union Temple for most people.
Car Insurance Prices by Union Temple Neighborhood
Insurance Prices
Where is insurance cheapest within Union Temple?
The map shows insurance prices in and around Union Temple, 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 $1,333 to a low of $1,333. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Union Temple.Pick the Best Car Insurance Company for You in Union Temple
The best car insurance provider for most drivers in Union Temple
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 Union Temple car insurance company.
The best car insurance provider for Union Temple 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 Union Temple 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 Union Temple 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 Union Temple
In Union Temple, State Farm costs young drivers $1,337 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Union Temple
State Farm gave the largest car insurance discounts to married couples, averaging $322 saved each year compared to an average Union Temple couple's premiums.
The cheapest car insurance in Union Temple for drivers with bad credit
The best Union Temple car insurance company for customer service
Nationwide was the best company for customer service in Union Temple 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 Union Temple, which was better than other insurers.
The cheapest large national provider in Union Temple
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Union Temple 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 Union Temple, 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 Union Temple
What Influences the Cost of Car Insurance in Union Temple?
On average, car insurance in Union Temple 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:
- Tennessee state insurance regulations may allow for lower prices.
- An average of 1 to 2 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Union Temple 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.
- Union Temple is one of the least populated areas 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 Union Temple 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
- Brittontown: Insurance costs 1.80% more
- Horse Creek: Insurance costs 0.75% less
- Afton: Insurance costs 2.33% more
- Jearoldstown: Insurance costs 0.30% more
- Holland Mill: Insurance costs 0.23% less
- Baileyton: Insurance costs 0.15% less
- Limestone: Insurance costs the same
- Chuckey: Insurance costs 1.28% more
- Tusculum: Insurance costs 0.98% less
- Telford: Insurance costs 1.28% less
Cities with Similar Populations
- Arab: Insurance costs 38.86% more
- Akiak: Insurance costs 3.00% more
- Allakaket: Insurance costs 2.85% more
- Wakefield: Insurance costs 4.65% more
- Allentown: Insurance costs 76.59% more
- Baker: Insurance costs 53.26% more
- Bivens: Insurance costs 112.00% more
- Aonia: Insurance costs 27.53% more
- Alturas: Insurance costs 85.22% more
- Antioch: Insurance costs 30.31% more