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Cheapest car insurance in Blountville, Tennessee (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Blountville, Tennessee.
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance quotes in Blountville

In Blountville, the average
auto insurance
policy costs about $78 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Blountville drivers pay 49% less than the
Tennessee
average.   
While it would certainly make shopping easy, there’s no single car insurance company that offers the cheapest rates for everyone. That’s why it pays for drivers to
shop around
and
compare quotes
to find the best cheap auto insurance policy for them. Fortunately, Jerry makes it easy for Blountville drivers to do just that—and once you find the policy you want at the right rate, our licensed insurance agents can help you cancel your old one completely hassle-free.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$92
Ronald, 29
Zip: 37617
Jeep Cherokee Latitude
• State Minimum Liability
• Comp / Collision
Safeco
$153
Adele, 28
Zip: 37617
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Gainsco
$89
Rosalie, 21
Zip: 37617
Dodge Avenger Express
• State Minimum Liability
Bristol West
$62
Fanny, 28
Zip: 37617
Jeep Wrangler Unlimited Sport
• State Minimum Liability
Dairyland
$70
Landon, 28
Zip: 37617
KIA RIO LX
• State Minimum Liability
coverageLast Updated Mar 23, 2024

Best car insurance companies in Blountville

Car insurance might not seem like a personal thing, but it is. Finding the right auto insurance policy depends on your needs as a driver, which means no single provider will offer the best rate for everyone. Apart from cost, other factors like claims handling and customer service are also important when choosing a carrier. 
If you’re struggling to find the best company in Blountville, we’ve made it easy. We wanted to find out what car insurance companies offered the cheapest car insurance rates in Blountville, so we conducted the largest insurance shopping survey in the nation.
Our findings: Policyholders in Tennessee gave Bristol West,
GEICO
, and
Travelers
the highest rates for cost, customer service, and claims processing. 
After finding new car insurance policies with Jerry, here’s what Tennessee drivers have had to say about working with their providers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Geico
4.6
4.8
N/A
4.6
State Farm
4.2
3.7
4.6
4.4
Progressive
4.2
3.7
3.8
4
Allstate
4.1
4.3
N/A
4
Farmers
3.7
2.3
N/A
3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Blountville

Blountville drivers need to prove financial responsibility before they can legally hit the road—and the easiest way to do that is to purchase car insurance that meets
the state’s minimum requirements
.
In many cases, drivers can also benefit from full coverage or other optional coverage types.

Cheap minimum liability insurance quotes in Blountville

In Blountville, Tennessee, drivers must satisfy the state’s minimum car insurance requirements. Here’s a breakdown of what you’ll need:
Uninsured/underinsured motorist coverage
is offered by insurers in Tennessee but isn’t required by law. If drivers choose to reject coverage, they must do so in writing.
Purchasing liability coverage is the easiest way to reduce monthly insurance payments, but it can leave you susceptible to significant expenses if you’re involved in an at-fault accident that causes injury or property damage.
Here’s a look at rates Jerry users have found for minimum liability coverage in Blountville.
card cover
Ronald (29 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
$92
per month
card cover
Adele (28 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carChevrolet Cruze LT
$153
per month
card cover
Glen (21 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carDodge Avenger Express
$95
per month
card cover
Fanny (28 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carJeep Wrangler Unlimited Sport
$62
per month
card cover
Trexis
Martin (31 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carFord Edge SE
$134
per month

Do you need more than minimum coverage in Blountville?

Generally speaking, most drivers would benefit from having more than Tennessee’s required 25/50/25 liability insurance.
The reason why: More severe accidents can easily exceed these limits, and if you were found at fault for an accident, you’d need to find another way to pay for others’ injuries and damages once that limit is reached. And because
Tennessee’s car accident laws
allow drivers to file property damage lawsuits up to three years after the accident, your liability can extend long beyond the original crash. 
For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

Cheap full coverage car insurance quotes in Blountville

Liability coverage won’t cover damage to your vehicle—you’d need collision and comprehensive coverage for that.
Full coverage car insurance
generally refers to a policy that includes both
comprehensive
and
collision coverage
. Collision coverage pays to repair or replace your vehicle after an accident with another vehicle or stationary object, while comprehensive coverage applies to damages caused by various other non-collision-related events, like theft, severe weather, or animal damage.
If you lease or finance a car, your lenders will likely require that you keep full coverage on your car for the duration of your loan.
Check out the rates other Blountville drivers have found for full coverage car insurance with Jerry’s help.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$92
Ronald, 29
Zip: 37617
Jeep Cherokee Latitude
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$156
Troy, 24
Zip: 37617
Jeep Wrangler Sahara
• State Minimum Liability
• Comp / Collision
Safeco
$153
Adele, 28
Zip: 37617
Chevrolet Cruze LT
coverageLast Updated Mar 23, 2024
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
insurance broker
like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents helping provide end-to-end customer service, no questions will go unanswered.
Lower my car insurance too!

Average cost of car insurance in Blountville

After analyzing scores of insurance providers in Blountville, we have discovered that the average price for minimum liability coverage amounts to be $78 per month or $936 per year. Additionally, residents of Blountville can expect to pay an average of $150 per month or $1,799 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Car insurance quotes in Blountville by rating factors 

Insurance companies in Blountville use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Blountville?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Tennessee currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Blountville:

Cheap car insurance quotes in Blountville after driving violations

Your
Tennessee driving record
will predictably have a significant influence on your car insurance rate. Racking up too many violations could send your insurance rate skyrocketing, so it pays to practice safe driving by following the rules of the road.
Some common violations that contribute to premium increases include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
  • Driving without insurance

Cheapest car insurance in Blountville after speeding ticket

You’re almost certain to see an increase in your insurance rates following a
Tennessee speeding ticket
, but how much your rates increase is linked both to how fast you’re driving and how many times you’ve been ticketed for speeding. If you’re going fast enough to warrant a
reckless driving conviction
, expect major rate increases.
Whether this is your first offense or you have a few speeding tickets in your glove compartment, Jerry can still help you find affordable coverage. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$74
Lizzie, 39
Zip: 37617
Lincoln MKZ
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Safeco
$70
Earl, 30
Zip: 37617
Mercedes-Benz CLS
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 21, 2024

Cheapest car insurance in Blountville after DUI

If you’re convicted of
DUI in Tennessee
, it serves a major red flag for auto insurance companies, signaling you’re a
high-risk driver
, which can send your rates soaring. In fact, some providers may not offer coverage after a DUI, especially if it’s not your first.
Luckily, Jerry can help you get a quote for affordable coverage even after a major conviction, like a DUI.
card cover
Lina (40 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
$60
per month
card cover
Olga (40 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBlountville, TN
(Zip Code: 37617)
$79
per month

Cheapest car insurance in Blountville after an at-fault accident

At-fault accidents can result in steep rate hikes from your car insurance company. Too many at-fault accidents on your record suggest you're a risky driver, which, to insurers, means a more costly driver. That’s why you’ll see higher insurance rates than drivers with
clean driving records
.
If you recently had an accident and saw your car insurance rate increase, shopping around for new car insurance quotes might get you a better rate—like it did for these Blountville policyholders:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$91
Ruby, 21
Zip: 37617
Dodge Avenger Express
• State Minimum Liability
Not At Fault
Allstate
$156
Christian, 24
Zip: 37617
Jeep Wrangler Sahara
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Gainsco
$89
Susie, 21
Zip: 37617
Dodge Avenger Express
• State Minimum Liability
coverageLast Updated Mar 26, 2024

Cheapest car insurance in Blountville after other driving violations

As you’d probably expect, driving offenses can increase your car insurance rate—but the exact impact will likely depend on how many you have and their severity. Things like reckless driving, driving on a suspended license, and
driving without insurance
are all violations that can increase car insurance rates in Blountville.
Here’s a look at rates Blountville drivers have found after various types of violations with help from Jerry:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Nationwide
$59
Christine, 34
Zip: 37617
Cadillac SRX
• 50,000/100,000 Liability
Defective Equipment
Safeco
$72
Mollie, 44
Zip: 37617
Fiat 500
• State Minimum Liability
coverageLast Updated Mar 26, 2024

Cheap car insurance quotes in Blountville by age

Age isn’t everything, but it has a significant impact on what you pay for auto insurance coverage.
Young drivers have the highest average car insurance premiums. Luckily, this is only temporary for safe drivers, as you can generally expect your car insurance rates to decrease gradually over time for most of your adult life.
By age 75, you can usually expect car insurance costs to rise again

Cheapest car insurance in Blountville for young drivers

Teen drivers aged 16 to 19 see some of the highest insurance premiums of any age group due to limited driving experience, but rates usually remain high until 25. New drivers also face high premiums due to a lack of driving experience and limited insurance history. After 25, rates tend to decline steadily.  
While minimum coverage is the cheapest option for young and new drivers, most can benefit from a full coverage policy's added protection. To help offset the high costs of teen insurance, look for student discounts! 
Jerry can also help secure affordable rates for young motorists.
card cover
Rosetta (21 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carDodge Avenger Express
$91
per month
card cover
Troy (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBlountville, TN
(Zip Code: 37617)
carJeep Wrangler Sahara
$156
per month
card cover
Leroy (22 years old)
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
$82
per month

Cheapest car insurance in Blountville for senior drivers

Older drivers usually enjoy lower premiums, but senior drivers may see a rate increase in their mid-seventies thanks to slower reflexes and increased risk for injury. Fortunately, there are plenty of way to save:
card cover
Ophelia (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBlountville, TN
(Zip Code: 37617)
$53
per month
card cover
Estella (72 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationBlountville, TN
(Zip Code: 37617)
$74
per month

Cheap car insurance quotes in Blountville based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Ina (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
$92
per month
card cover
Joshua (24 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBlountville, TN
(Zip Code: 37617)
carJeep Wrangler Sahara
$156
per month
card cover
Matilda (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carChevrolet Cruze LT
$153
per month
card cover
Gainsco
Susie (21 years old)
Currently Insured
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carDodge Avenger Express
$89
per month
card cover
Bill (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationBlountville, TN
(Zip Code: 37617)
carJeep Wrangler Unlimited Sport
$62
per month

Cheap car insurance quotes in Blountville for drivers with bad credit

While having poor credit doesn’t automatically mean you’re an unsafe driver, insurers have seen a correlation between
low credit scores
and an increased frequency of claims. That’s why drivers with bad credit tend to pay higher premiums than those with healthy credit ratings.
Generally, drivers with excellent credit (over 750) pay about 20% less for auto coverage than drivers with scores below 550.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$92
Evelyn, 29
Zip: 37617
Jeep Cherokee Latitude
• State Minimum Liability
• Comp / Collision
660 - 750
Gainsco
$89
Lily, 21
Zip: 37617
Dodge Avenger Express
• State Minimum Liability
550 - 659
National General
$62
Nelle, 28
Zip: 37617
KIA RIO LX
• State Minimum Liability
< 550
Trexis
$134
Billy, 31
Zip: 37617
Ford Edge SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 25, 2024

How to lower car insurance costs in Blountville

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California 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. 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.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

Who has the cheapest auto insurance rates in Tennessee?

Bristol West, Jupiter Auto, Lemonade, National General, and Travelers all ranked well for policy cost satisfaction among Tennessee policyholders in a recent Jerry survey. However, some drivers will find State Farm offers the lowest rates for their unique driving history. 

What’s the cheapest type of car insurance?

Minimum liability coverage is the cheapest way to get coverage and legally hit the road in Tennessee. In this state, that means 25/50/25 ($25,000 bodily injury per person, $50,000 bodily injury per accident, $25,000 property damage). If you don’t own your own vehicle, you might consider non-owner coverage to get protection at a lower rate.

Are older cars cheaper to insure?

Older cars can sometimes cost less to repair and replace, which helps lower costs. However, they also tend to have fewer safety features and may also need rare parts in the event of an accident. In general, cars that are 5-10 years old will cost the cheapest to insure because they have modern safety features and easy access to replacement parts.

What car insurance is most basic?

Liability insurance is the most basic type of coverage in most states, including Tennessee. Drivers can carry 25/50/25 of liability coverage and meet the legal requirements. Of course, this level doesn’t provide much coverage in the event of a serious accident—and it doesn’t protect your own vehicle from damages.

Who has the best car insurance rates right now?

Rates change so frequently that the only way to find today’s best rates is to pull quotes for yourself. In fact, experts recommend you shop around every six months to see if you could save money by switching. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.