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Cheapest car insurance in Cookeville, Tennessee (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Cookeville, Tennessee.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance quotes in Cookeville

In Cookeville, the average
auto insurance
policy costs about $78 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Cookeville drivers pay 23% 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 Cookeville 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
$68
Charles, 37
Zip: 38501
Chevrolet Tahoe K1500
• State Minimum Liability
Travelers
$148
Harriet, 35
Zip: 38506
Ford F250 Super Duty
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$214
Ida, 23
Zip: 38506
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Safeco
$174
Marvin, 39
Zip: 38506
Dodge Challenger SXT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 19, 2024

Best car insurance companies in Cookeville

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 Cookeville, we’ve made it easy. We wanted to find out what car insurance companies offered the cheapest car insurance rates in Cookeville, 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 Cookeville

Cookeville 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 Cookeville

In Cookeville, 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 Cookeville.
card cover
Marvin (39 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38506)
$174
per month
card cover
Virgie (28 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$105
per month
card cover
Jim (37 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$65
per month

Do you need more than minimum coverage in Cookeville?

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 Cookeville

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 Cookeville drivers have found for full coverage car insurance with Jerry’s help.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$61
Birdie, 33
Zip: 38501
Dodge Grand Caravan SXT
• State Minimum Liability
• Comp / Collision
Safeco
$174
Marvin, 39
Zip: 38506
Dodge Challenger SXT
• State Minimum Liability
• Comp / Collision
Nationwide
$214
Ida, 23
Zip: 38506
Nissan Sentra S
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$148
Harriet, 35
Zip: 38506
Ford F250 Super Duty
• State Minimum Liability
• Comp / Collision
Dairyland
$132
Bess, 49
Zip: 38501
Hyundai Sonata GLS
coverageLast Updated Apr 19, 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 Cookeville

After analyzing scores of insurance providers in Cookeville, we have discovered that the average price for minimum liability coverage amounts to be $78 per month or $936 per year. Additionally, residents of Cookeville can expect to pay an average of $150 per month or $1,800 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 Cookeville by rating factors 

Insurance companies in Cookeville 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 Cookeville?

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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 Cookeville:

Cheap car insurance quotes in Cookeville 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 Cookeville 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
Charles (37 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$68
per month

Cheapest car insurance in Cookeville 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 Cookeville policyholders:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$68
Fanny, 37
Zip: 38501
Chevrolet Tahoe K1500
• State Minimum Liability
Not At Fault
Safeco
$174
Alice, 39
Zip: 38506
Dodge Challenger SXT
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$148
Randy, 35
Zip: 38506
Ford F250 Super Duty
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024

Cheapest car insurance in Cookeville 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 Cookeville.
Here’s a look at rates Cookeville drivers have found after various types of violations with help from Jerry:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Travelers
$74
Dominic, 45
Zip: 38503
KIA Forte
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Nationwide
$69
Marguerite, 33
Zip: 38505
Lexus IS
• 50,000/100,000 Liability
coverageLast Updated Apr 15, 2024

Cheap car insurance quotes in Cookeville 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 Cookeville 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.
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Theresa (23 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$258
per month
card cover
Ida (23 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38506)
$214
per month
card cover
Roy (23 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
carFord Fusion S
$166
per month
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Bessie (24 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$100
per month

Cheapest car insurance in Cookeville 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
Nettie (65 years old)
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38506)
$65
per month

Cheap car insurance quotes in Cookeville 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
Della (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$68
per month
card cover
Flora (31 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCookeville, TN
(Zip Code: 38501)
$122
per month
card cover
Emily (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationCookeville, TN
(Zip Code: 38501)
$95
per month
card cover
Joel (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$105
per month
card cover
Mary (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationCookeville, TN
(Zip Code: 38501)
$65
per month

Cheap car insurance quotes in Cookeville 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
> 750
Progressive
$61
Luis, 33
Zip: 38501
Dodge Grand Caravan SXT
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$95
Nelle, 34
Zip: 38501
Nissan Altima 2.5
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Progressive
$87
Frank, 49
Zip: 38501
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
550 - 659
Allstate
$122
Brett, 31
Zip: 38501
Hyundai Elantra SE
• 50,000/100,000 Liability
• Comp / Collision
< 550
Gainsco
$74
Todd, 30
Zip: 38501
Honda Accord EX
• State Minimum Liability
coverageLast Updated Apr 21, 2024

How to lower car insurance costs in Cookeville

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

How much is car insurance per month in Tennessee?

Car insurance costs an average of $130 per month in Tennessee. That’s $59 per month (or $713 per year) for minimum coverage insurance and $155 per month (or $1,856 per year) for full coverage.

What’s the basic car insurance in Tennessee?

The most basic car insurance in Tennessee is 25/50/25 liability coverage. This type of policy provides everything you need to meet the state’s minimum car insurance requirements: $25,000 of bodily injury liability coverage (up to $50,000 per accident) and $25,000 of property damage liability coverage per accident.

Is car insurance high in Tennessee?

Car insurance isn’t that high in Tennessee. With an average rate of $59 per month for minimum coverage and $155 per month for full coverage, it still comes in under the national average of $77 and $165 per month respectively. 

What happens if you don’t have car insurance in Tennessee?

Driving without car insurance in Tennessee is considered a Class C misdemeanor. The consequences include a $300 fine, vehicle impoundment, and a period of driver’s license suspension equal to the time you spent driving uninsured. You’ll also be stuck with a three-year requirement for an
SR-22 in Tennessee
.

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
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.