Best Cheap Car Insurance in Alcoa, Tennessee 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Alcoa pay an average of $2,464 annually for car insurance. That’s about $205 per month to insure your car.

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Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in Tennessee, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Alcoa

There’s no single company that offers the best rate to everyone in Alcoa . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Alcoa :
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$2,451$971Compare Prices
Progressive$2,345$763Compare Prices

Check out insurance company reviews from real Jerry customers:

Fair price, great customer service.
I love the company great people easy to deal with
Progressive has been great so far. Thanks Jerry for showing me cheaper car insurance!
Since having Mercury bundle insurance package it’s been very easy to navigate the online system and complete task. I rate them a 10
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
June 29, 2020Kia Sportage LX37701May P.23Progressive$235/mo.$104/mo.
March 23, 2022Nissan Rogue S37701Gertrude A.33Safeco$214/mo.$114/mo.
March 23, 2022Nissan Sentra S37701Georgie M.41Electric$175/mo.$121/mo.
June 1, 2021Ford Focus SE37701Sadie S.24Progressive$125/mo.$122/mo.
June 18, 2020Ford Focus SE37701Elizabeth O.24Progressive$147/mo.$144/mo.
37 people from Jerry switched with Jerry to Mapfre in the past 14 days.
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Christine from Mason switched with Jerry to Progressive and saved $1451
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How much does car insurance in Alcoa cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Alcoa:
How do Alcoa insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Alcoa so expensive. The graph below shows how much Tennessee drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Tennessee require?
In Pennsylvania, drivers need $5,000 in personal injury protection (PIP) and $5,000 in property damage liability per accident. Additionally, Pennsylvania drivers are required to hold bodily injury liability insurance at $15,000 per person and $30,000 per accident.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Proof of insurance, sales tax payment, a valid ID and your car title or lease agreement is also required to register your vehicle
Yes, Pennsylvania is a no-fault state. No one is considered “at-fault” in an accident. Instead, drivers are required to carry $5,000 in personal injury protection (PIP) per person as a way to cover themselves in an accident.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Alcoa

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Alcoa with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,313$612
Speeding under 15$2,820$1,248

Alcoa driving violation FAQ's

How much is car insurance in Alcoa with a DUI?

If you have a DUI on your record, your car insurance premium in Alcoa could increase by as much as 27%.

How much does your car insurance increase after a speeding ticket in Alcoa?

If you’re caught speeding through Alcoa and end up with a ticket, you can expect to see your insurance rate jump by about 8%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Alcoa by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Alcoa for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Alcoa based on your age? Check out the table below.

Car insurance in Alcoa for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Alcoa. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Tennessee—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Alcoa neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Alcoa.
Average Cost
Annual Savings with Jerry
Hyundai Sonata SE$2,800$1,105
Nissan Altima 2.5$2,427$812
Ford Fusion SE$2,329$797
Chevrolet Impala LT$2,345$765
Honda Civic LX$1,814$636

Alcoa car FAQ's

More people in Alcoa drive a Nissan Rogue S than any other car! On average, these drivers pay $1,750 for their auto insurance.

What is the most expensive car to insure in Alcoa?

At an average of $1,750 per year, a Nissan Rogue S is the most expensive car to insure in Alcoa. If you drive one, we’re sorry.

Car insurance cost based on where you live in Alcoa:

Now, we’ve been talking about “drivers in Alcoa” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Alcoa, drivers in the -- zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 37701 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
June 29, 202037701Kia Sportage LXTNMay P.23Progressive$235/mo.$104/mo.
March 23, 202237701Nissan Rogue STNGertrude A.33Safeco$214/mo.$114/mo.
March 23, 202237701Nissan Sentra STNGeorgie M.41Electric$175/mo.$121/mo.
June 1, 202137701Ford Focus SETNSadie S.24Progressive$125/mo.$122/mo.
June 18, 202037701Ford Focus SETNElizabeth O.24Progressive$147/mo.$144/mo.

How can you save money on car insurance in Alcoa?

Let’s face it: living in Alcoa means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Alcoa.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Alcoa drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Tennessee—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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