Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Harrogate, TN are $278/month
  • The cheapest car insurance company in Harrogate for teen drivers is State Farm
  • The cheapest car insurance company in Harrogate after a DUI is State Farm

Average car insurance rates in Harrogate, Tennessee are $278 a month. But with a little research you can get a great deal from the top car insurance companies in Harrogate, TN. Before you buy Harrogate, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

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

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

Harrogate, TN Minimum Car Insurance Coverage

Harrogate, 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 Harrogate, 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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Harrogate, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harrogate, Tennessee

Insurance Company Low Medium High
Allstate $4,768 $4,932 $5,134
Farmers $2,887 $3,047 $3,253
GEICO $3,317 $3,478 $3,673
Liberty Mutual $5,854 $6,115 $6,390
Nationwide $3,795 $3,682 $3,811
Progressive $3,225 $3,446 $3,669
State Farm $2,362 $2,517 $2,638
Travelers $2,476 $2,636 $2,803
USAA $2,708 $2,786 $2,894

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harrogate, 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 $2,849 $2,729 $2,565 $2,662 $10,827 $11,767 $3,027 $3,134
Farmers $1,623 $1,652 $1,458 $1,599 $6,619 $7,034 $2,193 $2,320
GEICO $2,300 $2,318 $2,116 $2,116 $7,095 $7,210 $2,343 $2,418
Nationwide $2,383 $2,401 $2,132 $2,165 $6,680 $8,613 $2,748 $2,981
Progressive $1,752 $1,650 $1,427 $1,494 $7,922 $8,915 $2,109 $2,303
State Farm $1,522 $1,522 $1,375 $1,375 $4,681 $5,851 $1,720 $2,001
Travelers $1,719 $1,810 $1,558 $1,660 $4,738 $5,867 $1,830 $1,927
USAA $1,568 $1,593 $1,416 $1,414 $5,662 $6,485 $2,047 $2,183

Harrogate, TN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Harrogate, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,827 $11,767
Farmers $6,619 $7,034
GEICO $7,095 $7,210
Nationwide $6,680 $8,613
Progressive $7,922 $8,915
State Farm $4,681 $5,851
Travelers $4,738 $5,867
USAA $5,662 $6,485

Harrogate, TN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Harrogate, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,565 $2,662
Farmers $1,458 $1,599
GEICO $2,116 $2,116
Nationwide $2,132 $2,165
Progressive $1,427 $1,494
State Farm $1,375 $1,375
Travelers $1,558 $1,660
USAA $1,416 $1,414

Harrogate, TN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Harrogate, Tennessee

Insurance Company Poor Fair Good
Allstate $6,314 $4,831 $3,690
Farmers $3,644 $2,849 $2,694
GEICO $3,957 $3,391 $3,119
Liberty Mutual $8,788 $5,371 $4,200
Nationwide $4,532 $3,582 $3,174
Progressive $3,872 $3,343 $3,125
State Farm $3,638 $2,183 $1,696
Travelers $3,363 $2,630 $1,922
USAA $4,055 $2,375 $1,958

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Harrogate, TN Car Insurance Rates by Driver History

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

Annual Harrogate, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,128 $4,928 $5,988 $4,736
Farmers $2,615 $3,237 $3,314 $3,084
GEICO $2,544 $3,399 $5,469 $2,544
Liberty Mutual $4,964 $7,148 $6,653 $5,714
Nationwide $3,252 $3,252 $4,898 $3,649
Progressive $3,036 $3,942 $3,233 $3,575
State Farm $2,282 $2,729 $2,506 $2,506
Travelers $2,141 $2,742 $3,039 $2,633
USAA $2,030 $3,048 $3,589 $2,517

Harrogate, TN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Harrogate, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,988
Farmers $3,314
GEICO $5,469
Liberty Mutual $6,653
Nationwide $4,898
Progressive $3,233
State Farm $2,506
Travelers $3,039
USAA $3,589

Harrogate, TN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Harrogate, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,945 $4,945
Farmers $3,062 $3,062
GEICO $3,466 $3,512
Liberty Mutual $6,120 $6,120
Nationwide $3,763 $3,763
Progressive $3,447 $3,447
State Farm $2,446 $2,566
Travelers $2,535 $2,742
USAA $2,717 $2,875

Harrogate, TN Cheapest Car Insurance Rates

How do the top Harrogate, Tennessee car insurance companies’ average rates stack up against the Harrogate average monthly car insurance rates of $278? Take a look and see.

Best Annual Car Insurance Rates by Company in Harrogate, 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 State Farm

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Harrogate, TN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Harrogate, Tennessee

Insurance Company Average Annual Rates
Allstate $4,945
Farmers $3,062
GEICO $3,489
Nationwide $3,763
Progressive $3,447
State Farm $2,506
Travelers $2,639
USAA $2,796

Other Factors Affecting Harrogate, TN Car Insurance Rates

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

Harrogate, TN Commute Time

How does your Harrogate, TN commute time compare with the average driver? In Harrogate, the average commute is 20.3 minutes.

Harrogate, TN Car Insurance Quotes

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