A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Bristol for teen drivers is State Farm
  • Average car insurance rates in Bristol, TN are $244/month
  • Average car insurance rates in Bristol, TN for senior drivers are $1,568/year

Average car insurance rates in Bristol, Tennessee are $244 a month. But with a little research you can get a great deal from the top car insurance companies in Bristol, TN. Before you buy Bristol, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Bristol car insurance rates with Hendersonville car insurance rates, Murfreesboro car insurance rates, or Jackson car insurance rates to make sure you’re getting the best Bristol, TN car insurance quotes available.

Need affordable Bristol, TN car insurance? Enter your ZIP code to compare Bristol car insurance quotes from multiple car insurance companies near you.

Bristol, TN Minimum Car Insurance Coverage

Bristol, Tennessee law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Bristol, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Bristol, TN Car Insurance Rates by Coverage Level

Some Bristol drivers can get by with the Tennessee minimum coverage of 25/50/15. Other drivers may need more. See how much your Bristol, Tennessee car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Bristol, Tennessee

Insurance Company Low Medium High
Allstate $3,947 $4,078 $4,238
Farmers $3,149 $3,354 $3,614
GEICO $2,577 $2,711 $2,863
Liberty Mutual $4,940 $5,173 $5,411
Nationwide $3,067 $2,994 $3,110
Progressive $2,838 $3,031 $3,220
State Farm $2,028 $2,171 $2,282
Travelers $2,397 $2,541 $2,690
USAA $2,370 $2,441 $2,537

Bristol, TN Car Insurance Rates by Age, Gender, and Marital Status

Bristol, Tennessee car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bristol, TN car insurance, get quotes from multiple car insurance companies in the Bristol area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bristol, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,370 $2,274 $2,138 $2,218 $8,894 $9,687 $2,517 $2,602
Farmers $1,737 $1,770 $1,558 $1,725 $7,412 $7,950 $2,366 $2,461
GEICO $1,807 $1,824 $1,665 $1,665 $5,476 $5,573 $1,835 $1,892
Nationwide $1,964 $1,977 $1,766 $1,791 $5,372 $6,900 $2,253 $2,436
Progressive $1,536 $1,446 $1,253 $1,309 $6,978 $7,846 $1,850 $2,020
State Farm $1,311 $1,311 $1,187 $1,187 $4,037 $5,049 $1,482 $1,719
Travelers $1,679 $1,770 $1,512 $1,611 $4,522 $5,573 $1,791 $1,886
USAA $1,385 $1,406 $1,253 $1,251 $4,924 $5,654 $1,804 $1,915

Bristol, TN Car Insurance Rates for Teens

How much is Bristol, Tennessee car insurance for teens? Compare rates from top Bristol car insurance companies below to help find the cheapest teen car insurance in Bristol, TN.

Annual Car Insurance Rates for Teen Drivers in Bristol, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,894 $9,687
Farmers $7,412 $7,950
GEICO $5,476 $5,573
Nationwide $5,372 $6,900
Progressive $6,978 $7,846
State Farm $4,037 $5,049
Travelers $4,522 $5,573
USAA $4,924 $5,654

Bristol, TN Car Insurance Rates for Seniors

Before seniors buy Bristol, Tennessee car insurance, they should make sure to shop around. Some Bristol, TN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Bristol, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,138 $2,218
Farmers $1,558 $1,725
GEICO $1,665 $1,665
Nationwide $1,766 $1,791
Progressive $1,253 $1,309
State Farm $1,187 $1,187
Travelers $1,512 $1,611
USAA $1,253 $1,251

Bristol, TN Car Insurance Rates by Credit History

How does your credit history affect Bristol, TN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Bristol, Tennessee

Insurance Company Poor Fair Good
Allstate $5,203 $3,997 $3,062
Farmers $4,001 $3,143 $2,973
GEICO $3,084 $2,640 $2,428
Liberty Mutual $7,407 $4,551 $3,566
Nationwide $3,661 $2,918 $2,592
Progressive $3,403 $2,939 $2,747
State Farm $3,134 $1,883 $1,464
Travelers $3,246 $2,529 $1,853
USAA $3,542 $2,084 $1,722

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Bristol, TN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Bristol, Tennessee car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Bristol.

Annual Bristol, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,422 $4,076 $4,935 $3,917
Farmers $2,889 $3,552 $3,658 $3,390
GEICO $1,977 $2,646 $4,270 $1,977
Liberty Mutual $4,202 $6,046 $5,622 $4,828
Nationwide $2,653 $2,653 $3,956 $2,967
Progressive $2,671 $3,466 $2,842 $3,141
State Farm $1,967 $2,354 $2,160 $2,160
Travelers $2,068 $2,645 $2,920 $2,539
USAA $1,784 $2,670 $3,130 $2,212

Bristol, TN Car Insurance Rates With a DUI

Even a single DUI can increase your Bristol, TN car insurance rates. Compare rates below to see which Bristol car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Bristol, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,935
Farmers $3,658
GEICO $4,270
Liberty Mutual $5,622
Nationwide $3,956
Progressive $2,842
State Farm $2,160
Travelers $2,920
USAA $3,130

Bristol, TN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Bristol, TN car insurance rates may be. Let’s take a look at average car insurance rates from top Bristol companies based on commute time.

Annual Car Insurance Rates by Commute Length in Bristol, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,087 $4,087
Farmers $3,372 $3,372
GEICO $2,701 $2,734
Liberty Mutual $5,175 $5,175
Nationwide $3,057 $3,057
Progressive $3,030 $3,030
State Farm $2,108 $2,212
Travelers $2,443 $2,642
USAA $2,381 $2,517

Bristol, TN Cheapest Car Insurance Rates

How do the top Bristol, Tennessee car insurance companies’ average rates stack up against the Bristol average monthly car insurance rates of $244? Take a look and see.

Best Annual Car Insurance Rates by Company in Bristol, Tennessee

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Bristol, TN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Bristol, Tennessee car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Bristol, Tennessee

Insurance Company Average Annual Rates
Allstate $4,087
Farmers $3,372
GEICO $2,717
Nationwide $3,057
Progressive $3,030
State Farm $2,160
Travelers $2,543
USAA $2,449

Other Factors Affecting Bristol, TN Car Insurance Rates

Before you buy Bristol, Tennessee car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Bristol, TN Commute Time

How does your Bristol, TN commute time compare with the average driver? In Bristol, the average commute is 21.2 minutes.

Bristol, TN Traffic

Spending time in Bristol traffic can lead to higher car insurance rates. According to INRIX data, Bristol, TN ranks as the 78th-most congested with traffic in the world.

Bristol, TN Car Insurance Quotes

Compare Bristol, TN car insurance quotes from multiple companies by entering your ZIP code now.