Affordable Car Insurance Rates in Paris, TN (2021)
Car insurance rates in Paris, TN are $277/month on average. By law, Tennessee drivers need to carry at least 25/50/15 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Paris car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 13, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.