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 Sweetwater, TN for senior drivers are $1,720/year
  • The cheapest car insurance company in Sweetwater for teen drivers is Travelers
  • Average car insurance rates in Sweetwater, TN are $268/month

Average car insurance rates in Sweetwater, Tennessee are $268 a month. But with a little research you can get a great deal from the top car insurance companies in Sweetwater, TN. Before you buy Sweetwater, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Sweetwater car insurance rates with Clarksville car insurance rates, Memphis car insurance rates, or Johnson City car insurance rates to make sure you’re getting the best Sweetwater, TN car insurance quotes available.

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

Sweetwater, TN Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Sweetwater, Tennessee

Insurance Company Low Medium High
Allstate $4,373 $4,529 $4,718
Farmers $3,284 $3,466 $3,697
GEICO $3,052 $3,200 $3,375
Liberty Mutual $5,680 $5,949 $6,228
Nationwide $3,248 $3,150 $3,267
Progressive $3,282 $3,491 $3,701
State Farm $2,464 $2,623 $2,746
Travelers $2,350 $2,499 $2,655
USAA $2,592 $2,668 $2,771

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sweetwater, 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 $2,627 $2,520 $2,365 $2,455 $9,905 $10,763 $2,795 $2,893
Farmers $1,826 $1,859 $1,637 $1,799 $7,583 $8,059 $2,474 $2,622
GEICO $2,120 $2,137 $1,951 $1,951 $6,511 $6,619 $2,158 $2,227
Nationwide $2,080 $2,100 $1,864 $1,897 $5,607 $7,245 $2,385 $2,596
Progressive $1,785 $1,685 $1,453 $1,519 $7,988 $8,995 $2,152 $2,352
State Farm $1,585 $1,585 $1,432 $1,432 $4,878 $6,096 $1,792 $2,087
Travelers $1,616 $1,699 $1,475 $1,568 $4,523 $5,604 $1,718 $1,807
USAA $1,508 $1,533 $1,363 $1,361 $5,395 $6,191 $1,969 $2,095

Sweetwater, TN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Sweetwater, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,905 $10,763
Farmers $7,583 $8,059
GEICO $6,511 $6,619
Nationwide $5,607 $7,245
Progressive $7,988 $8,995
State Farm $4,878 $6,096
Travelers $4,523 $5,604
USAA $5,395 $6,191

Sweetwater, TN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Sweetwater, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,365 $2,455
Farmers $1,637 $1,799
GEICO $1,951 $1,951
Nationwide $1,864 $1,897
Progressive $1,453 $1,519
State Farm $1,432 $1,432
Travelers $1,475 $1,568
USAA $1,363 $1,361

Sweetwater, TN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Sweetwater, Tennessee

Insurance Company Poor Fair Good
Allstate $5,792 $4,437 $3,393
Farmers $4,137 $3,243 $3,067
GEICO $3,640 $3,119 $2,868
Liberty Mutual $8,535 $5,230 $4,092
Nationwide $3,874 $3,072 $2,719
Progressive $3,928 $3,384 $3,161
State Farm $3,792 $2,275 $1,767
Travelers $3,179 $2,500 $1,826
USAA $3,878 $2,275 $1,877

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Sweetwater, TN Car Insurance Rates by Driver History

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

Annual Sweetwater, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,797 $4,529 $5,486 $4,349
Farmers $2,974 $3,683 $3,771 $3,501
GEICO $2,338 $3,126 $5,036 $2,338
Liberty Mutual $4,829 $6,957 $6,469 $5,554
Nationwide $2,787 $2,787 $4,187 $3,126
Progressive $3,076 $3,990 $3,275 $3,623
State Farm $2,378 $2,844 $2,611 $2,611
Travelers $2,031 $2,603 $2,876 $2,495
USAA $1,947 $2,918 $3,429 $2,414

Sweetwater, TN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Sweetwater, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,486
Farmers $3,771
GEICO $5,036
Liberty Mutual $6,469
Nationwide $4,187
Progressive $3,275
State Farm $2,611
Travelers $2,876
USAA $3,429

Sweetwater, TN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Sweetwater, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,540 $4,540
Farmers $3,482 $3,482
GEICO $3,189 $3,230
Liberty Mutual $5,952 $5,952
Nationwide $3,222 $3,222
Progressive $3,491 $3,491
State Farm $2,549 $2,673
Travelers $2,404 $2,599
USAA $2,602 $2,752

Sweetwater, TN Cheapest Car Insurance Rates

How do the top Sweetwater, Tennessee car insurance companies’ average rates stack up against the Sweetwater average monthly car insurance rates of $268? Take a look and see.

Best Annual Car Insurance Rates by Company in Sweetwater, Tennessee

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

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Sweetwater, TN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Sweetwater, Tennessee

Insurance Company Average Annual Rates
Allstate $4,540
Farmers $3,482
GEICO $3,209
Nationwide $3,222
Progressive $3,491
State Farm $2,611
Travelers $2,501
USAA $2,677

Other Factors Affecting Sweetwater, TN Car Insurance Rates

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

Sweetwater, TN Commute Time

How does your Sweetwater, TN commute time compare with the average driver? In Sweetwater, the average commute is 21.6 minutes.

Sweetwater, TN Car Insurance Quotes

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