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: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Loudon after a DUI is State Farm
  • Average car insurance rates in Loudon, TN are $265/month
  • Average car insurance rates in Loudon, TN for senior drivers are $1,702/year

Average car insurance rates in Loudon, Tennessee are $265 a month. But with a little research you can get a great deal from the top car insurance companies in Loudon, TN. Before you buy Loudon, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

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

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

Loudon, TN Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Loudon, Tennessee

Insurance Company Low Medium High
Allstate $4,408 $4,566 $4,758
Farmers $3,121 $3,293 $3,513
GEICO $2,863 $3,011 $3,182
Liberty Mutual $6,185 $6,445 $6,705
Nationwide $3,387 $3,293 $3,419
Progressive $3,059 $3,274 $3,483
State Farm $2,325 $2,479 $2,598
Travelers $2,678 $2,841 $3,009
USAA $2,523 $2,591 $2,683

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Loudon, 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 $2,647 $2,538 $2,385 $2,475 $9,990 $10,861 $2,814 $2,911
Farmers $1,736 $1,766 $1,556 $1,710 $7,204 $7,657 $2,351 $2,492
GEICO $1,988 $2,004 $1,829 $1,829 $6,142 $6,241 $2,026 $2,091
Nationwide $2,157 $2,175 $1,934 $1,965 $5,908 $7,621 $2,479 $2,693
Progressive $1,642 $1,540 $1,339 $1,402 $7,587 $8,527 $1,979 $2,162
State Farm $1,497 $1,497 $1,353 $1,353 $4,612 $5,765 $1,692 $1,969
Travelers $1,849 $1,948 $1,671 $1,780 $5,117 $6,324 $1,973 $2,078
USAA $1,467 $1,491 $1,323 $1,322 $5,230 $6,008 $1,912 $2,039

Loudon, TN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Loudon, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,990 $10,861
Farmers $7,204 $7,657
GEICO $6,142 $6,241
Nationwide $5,908 $7,621
Progressive $7,587 $8,527
State Farm $4,612 $5,765
Travelers $5,117 $6,324
USAA $5,230 $6,008

Loudon, TN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Loudon, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,385 $2,475
Farmers $1,556 $1,710
GEICO $1,829 $1,829
Nationwide $1,934 $1,965
Progressive $1,339 $1,402
State Farm $1,353 $1,353
Travelers $1,671 $1,780
USAA $1,323 $1,322

Loudon, TN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Loudon, Tennessee

Insurance Company Poor Fair Good
Allstate $5,840 $4,473 $3,420
Farmers $3,931 $3,082 $2,915
GEICO $3,423 $2,934 $2,699
Liberty Mutual $9,236 $5,668 $4,430
Nationwide $4,040 $3,211 $2,849
Progressive $3,667 $3,176 $2,973
State Farm $3,582 $2,150 $1,670
Travelers $3,625 $2,834 $2,069
USAA $3,770 $2,207 $1,820

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Loudon, TN Car Insurance Rates by Driver History

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

Annual Loudon, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,828 $4,566 $5,532 $4,385
Farmers $2,826 $3,500 $3,583 $3,327
GEICO $2,202 $2,941 $4,730 $2,202
Liberty Mutual $5,219 $7,540 $7,012 $6,009
Nationwide $2,913 $2,913 $4,374 $3,266
Progressive $2,882 $3,750 $3,067 $3,390
State Farm $2,247 $2,688 $2,467 $2,467
Travelers $2,305 $2,959 $3,269 $2,837
USAA $1,891 $2,830 $3,331 $2,345

Loudon, TN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Loudon, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,532
Farmers $3,583
GEICO $4,730
Liberty Mutual $7,012
Nationwide $4,374
Progressive $3,067
State Farm $2,467
Travelers $3,269
USAA $3,331

Loudon, TN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Loudon, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,578 $4,578
Farmers $3,309 $3,309
GEICO $2,999 $3,039
Liberty Mutual $6,445 $6,445
Nationwide $3,367 $3,367
Progressive $3,272 $3,272
State Farm $2,409 $2,526
Travelers $2,731 $2,954
USAA $2,527 $2,671

Loudon, TN Cheapest Car Insurance Rates

How do the top Loudon, Tennessee car insurance companies’ average rates stack up against the Loudon average monthly car insurance rates of $265? Take a look and see.

Best Annual Car Insurance Rates by Company in Loudon, Tennessee

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

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Loudon, TN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Loudon, Tennessee

Insurance Company Average Annual Rates
Allstate $4,578
Farmers $3,309
GEICO $3,019
Nationwide $3,367
Progressive $3,272
State Farm $2,467
Travelers $2,842
USAA $2,599

Other Factors Affecting Loudon, TN Car Insurance Rates

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

Loudon, TN Commute Time

How does your Loudon, TN commute time compare with the average driver? In Loudon, the average commute is 19.7 minutes.

Loudon, TN Car Insurance Quotes

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