Cheapest car insurance companies in Ashland City
Travelers and Tennessee Farmers have the cheapest car insurance premiums for Ashland City drivers in 2023, based on a data study by Insurance.com.
Travelers is the cheapest option for most Ashland City drivers, with an average annual rate of $1,354 .
In Ashland City, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| USAA | $1,232 |
| Travelers | $1,354 |
| Tennessee Farmers | $1,368 |
| Nationwide | $1,510 |
| Progressive | $1,579 |
| Erie Insurance | $1,618 |
| State Farm | $1,733 |
| Farmers | $1,735 |
| Geico | $1,783 |
| Allstate | $3,029 |
Cheapest car insurance cost in Ashland City by Age Group
Tennessee Farmers stands out as Ashland City's cheapest auto insurance company for teen drivers at an average annual of $4,019. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
When compared to other car insurance companies, USAA turned out to be the cheapest car insurance company for young drivers in Ashland City, offering full coverage at an annual average cost of $1,984.
An analysis of car insurance rates for Ashland City drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $1,253 per year.
USAA tops the list in terms of affordability for senior drivers in Ashland City. With an average annual premium of $1,228, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Tennessee Farmers | $4,019 | $2,563 | $1,378 | $1,243 |
| Erie Insurance | $4,049 | $2,672 | $1,642 | $1,661 |
| Travelers | $4,339 | $2,123 | $1,382 | $1,393 |
| USAA | $4,648 | $1,984 | $1,253 | $1,228 |
| State Farm | $5,048 | $2,927 | $1,742 | $1,647 |
| Geico | $5,772 | $2,914 | $1,838 | $1,750 |
| Nationwide | $6,252 | $2,679 | $1,476 | $1,510 |
| Progressive | $7,367 | $2,612 | $1,606 | $1,719 |
| Farmers | $7,658 | $2,269 | $1,655 | $1,710 |
| Allstate | $10,691 | $4,801 | $3,005 | $3,100 |
Cheapest car insurance companies in Ashland City by driver profile
Your driving profile plays an important role in determining your car insurance rates in Ashland City. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
When it comes to finding the cheapest car insurance rates in Ashland City, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Here's a list of car insurance companies that offer cheap insurance rates in Ashland City based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Ashland City drivers at about $1,409 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,409 |
| Geico | $1,502 |
| USAA | $1,726 |
| Farmers | $2,066 |
| Travelers | $2,204 |
| Progressive | $3,248 |
| Allstate | $3,293 |
| State Farm | $5,895 |
Cheapest for drivers with a speeding ticket: State Farm
In Ashland City, State Farm provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $994, on average.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| State Farm | $994 |
| USAA | $1,137 |
| Nationwide | $1,434 |
| Geico | $1,714 |
| Farmers | $1,833 |
| Travelers | $1,844 |
| Allstate | $2,225 |
| Progressive | $2,570 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Ashland City drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,069. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,069 |
| USAA | $1,584 |
| Nationwide | $1,674 |
| Travelers | $1,882 |
| Geico | $2,039 |
| Farmers | $2,130 |
| Allstate | $3,002 |
| Progressive | $3,394 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Ashland City. On average, its annual full coverage rate is $994, making it a significantly cheaper option than other insurance providers.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $994 |
| USAA | $1,877 |
| Geico | $2,102 |
| Farmers | $2,197 |
| Nationwide | $2,234 |
| Travelers | $2,285 |
| Progressive | $2,856 |
| Allstate | $3,281 |
Average car insurance cost in Ashland City
In Ashland City, the annual cost of car insurance for the coverage level of 100/300/100 is $1,694 or around $141 per month. However, the average yearly rate for state minimum coverage in Ashland City is $444.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,694 | $444 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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