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Get Cheap Car Insurance in Wilson County, TN

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

 

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The Cheapest Minimum Coverage in Wilson County

The chart below shows the cheapest car insurance company in Wilson County 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.

 
Wilson County Insurer Monthly Cost
State Farm $52
Geico $58
Farmers Insurance $59
Safeco Insurance $59

Savings for Every Kind of Wilson County Driver

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

Based on our extensive insurance data, we know the average Wilson County 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 Wilson County residents are paying out over $1,385 extra every year for auto insurance in Wilson County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Wilson County, TN Savings / Yr.
Drivers with good records
$353
Drivers with accidents
$638
Drivers with speeding tickets
$471
Drivers with a DUI conviction
$539
Young drivers
$1,389
Married drivers
$334
Drivers with bad credit
$578

Wilson County Car Insurance vs. Tennessee

People living in Wilson County pay an average of 0.40% more than the typical driver in the state. The average driver in Wilson County can expect to pay about $871 per year, or $1,385 for full coverage.

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

Car Insurance Prices by Wilson County Neighborhood

Wilson County, TN map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Wilson County?

The map shows insurance prices in and around Wilson County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $199 per year within the county boundaries, with insurance premiums ranging from a high of $1,509 to a low of $1,310. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of Wilson County.

Pick the Best Car Insurance Company for You in Wilson County

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 Wilson County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Wilson County

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 Wilson County car insurance company.

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We use the average good driver, paying $86 per month, as our baseline for pricing in Wilson County. 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 Wilson County drivers with accidents on their records

In Wilson County getting into an accident will raise premiums an average 41% for a yearly cost of $2,361. That's $977 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 $638 over the competition.

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The best car insurance company for Wilson County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $471 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 Wilson County, tickets raise premiums on new quotes about $645. If you have a speeding ticket, we recommend State Farm, Novo, and Elephant for savings that beat the average insurance cost of $2,029 per year.

The best auto insurance for Wilson County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,161 per year in auto insurance premiums, which was $776 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 $539 less each year.

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The least expensive car insurance company for new and young drivers in Wilson County

In Wilson County, State Farm costs young drivers $1,389 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 Wilson County. With an average cost of $4,866 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 Wilson County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $109. State Farm, Geico, and Progressive provided the largest discounts to couples living in Wilson County.

State Farm gave the largest car insurance discounts to married couples, averaging $334 saved each year compared to an average Wilson County couple's premiums.

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The cheapest car insurance in Wilson County for drivers with bad credit

People with poor credit saved an average of $578 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $825 every year. Premiums for people with poor credit were about $2,210 in Wilson County. 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 Wilson County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Wilson County, 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 Wilson County.

Nationwide was the best company for customer service in Wilson County 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 Wilson County, 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 Wilson County. 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 Wilson County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Wilson County residents who are renting, and don't plan to be in the county 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 Wilson County 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 Wilson County, 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.
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Auto Insurance Prices in and Around Wilson County

What Influences the Cost of Car Insurance in Wilson County?

On average, car insurance in Wilson County 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 county are influenced by the following factors:

  • The average commute time in Wilson County is 37 minutes, which is a little more 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 Wilson County are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Wilson County is a lightly populated area in the state. The county’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 Wilson County 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 Counties

Counties with Similar Populations

* Who is the average Wilson County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Wilson County 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.