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

  • Average car insurance rates in Paris, TN for senior drivers are $1,804/year
  • The cheapest car insurance company in Paris for teen drivers is State Farm
  • Average car insurance rates in Paris, TN are $277/month

Average car insurance rates in Paris, Tennessee are $277 a month. But with a little research you can get a great deal from the top car insurance companies in Paris, TN. Before you buy Paris, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

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

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

Paris, TN Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Paris, Tennessee

Insurance Company Low Medium High
Allstate $4,580 $4,732 $4,917
Farmers $3,584 $3,761 $3,990
GEICO $3,179 $3,308 $3,455
Liberty Mutual $5,662 $5,907 $6,162
Nationwide $3,267 $3,162 $3,279
Progressive $3,387 $3,610 $3,836
State Farm $2,415 $2,556 $2,667
Travelers $2,492 $2,634 $2,782
USAA $2,655 $2,732 $2,840

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Paris, 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 $2,786 $2,684 $2,494 $2,591 $10,203 $11,087 $2,991 $3,106
Farmers $2,040 $2,073 $1,836 $1,993 $8,074 $8,546 $2,741 $2,926
GEICO $2,248 $2,276 $2,079 $2,079 $6,542 $6,688 $2,266 $2,335
Nationwide $2,098 $2,121 $1,878 $1,915 $5,594 $7,251 $2,404 $2,626
Progressive $1,864 $1,764 $1,518 $1,584 $8,207 $9,254 $2,246 $2,451
State Farm $1,601 $1,601 $1,427 $1,427 $4,621 $5,811 $1,802 $2,079
Travelers $1,718 $1,808 $1,553 $1,653 $4,744 $5,852 $1,832 $1,928
USAA $1,571 $1,608 $1,412 $1,421 $5,442 $6,230 $2,051 $2,202

Paris, TN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Paris, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,203 $11,087
Farmers $8,074 $8,546
GEICO $6,542 $6,688
Nationwide $5,594 $7,251
Progressive $8,207 $9,254
State Farm $4,621 $5,811
Travelers $4,744 $5,852
USAA $5,442 $6,230

Paris, TN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Paris, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,494 $2,591
Farmers $1,836 $1,993
GEICO $2,079 $2,079
Nationwide $1,878 $1,915
Progressive $1,518 $1,584
State Farm $1,427 $1,427
Travelers $1,553 $1,653
USAA $1,412 $1,421

Paris, TN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Paris, Tennessee

Insurance Company Poor Fair Good
Allstate $6,055 $4,631 $3,543
Farmers $4,504 $3,511 $3,321
GEICO $3,767 $3,218 $2,957
Liberty Mutual $8,479 $5,190 $4,061
Nationwide $3,894 $3,084 $2,730
Progressive $4,070 $3,498 $3,265
State Farm $3,697 $2,218 $1,723
Travelers $3,357 $2,629 $1,922
USAA $3,989 $2,324 $1,913

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Paris, TN Car Insurance Rates by Driver History

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

Annual Paris, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,989 $4,742 $5,694 $4,546
Farmers $3,222 $3,996 $4,085 $3,812
GEICO $2,387 $3,223 $5,259 $2,387
Liberty Mutual $4,795 $6,903 $6,425 $5,518
Nationwide $2,795 $2,795 $4,216 $3,138
Progressive $3,183 $4,121 $3,391 $3,749
State Farm $2,338 $2,755 $2,546 $2,546
Travelers $2,140 $2,746 $3,025 $2,632
USAA $2,000 $2,980 $3,514 $2,474

Paris, TN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Paris, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,694
Farmers $4,085
GEICO $5,259
Liberty Mutual $6,425
Nationwide $4,216
Progressive $3,391
State Farm $2,546
Travelers $3,025
USAA $3,514

Paris, TN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Paris, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,743 $4,743
Farmers $3,779 $3,779
GEICO $3,299 $3,329
Liberty Mutual $5,910 $5,910
Nationwide $3,236 $3,236
Progressive $3,611 $3,611
State Farm $2,486 $2,607
Travelers $2,533 $2,739
USAA $2,663 $2,822

Paris, TN Cheapest Car Insurance Rates

How do the top Paris, Tennessee car insurance companies’ average rates stack up against the Paris average monthly car insurance rates of $277? Take a look and see.

Best Annual Car Insurance Rates by Company in Paris, Tennessee

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

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Paris, TN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Paris, Tennessee

Insurance Company Average Annual Rates
Allstate $4,743
Farmers $3,779
GEICO $3,314
Nationwide $3,236
Progressive $3,611
State Farm $2,546
Travelers $2,636
USAA $2,742

Other Factors Affecting Paris, TN Car Insurance Rates

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

Paris, TN Commute Time

How does your Paris, TN commute time compare with the average driver? In Paris, the average commute is 16.1 minutes.

Paris, TN Traffic

Spending time in Paris traffic can lead to higher car insurance rates. According to INRIX data, Paris, TN ranks as the 6th-most congested with traffic in the world.

Paris, TN Car Insurance Quotes

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