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Cheapest car insurance in Crossville, Tennessee (Nov 2024)
Cheapest car insurance in Crossville, Tennessee (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Crossville, Tennessee.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Crossville
- Best car insurance companies in Crossville
- Best cheap car insurance quotes in Crossville
- Car insurance quotes in Crossville by rating factors
- How do different factors impact your car insurance costs in Crossville?
- Cheap car insurance quotes in Crossville after driving violations
- Cheap car insurance quotes in Crossville by age
- Cheap car insurance quotes in Crossville based on insurance history
- Cheap car insurance quotes in Crossville for popular cars
- How to lower car insurance costs in Crossville
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Crossville
In Crossville, the average
auto insurance
policy costs about $50 per month for minimum coverage liability insurance, and about $153 per month for full coverage insurance. Crossville drivers pay 15% less than the Tennessee
average. Coverage type | Crossville, TN | Tennessee | United States |
|---|---|---|---|
State minimum | $50 | $59 | $77 |
Full coverage | $153 | $155 | $165 |
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.As a way to help you get started, Jerry experts compiled the best (and cheapest) providers in Crossville, Tennessee. Here’s a few of our honorable mentions:
Cheapest car insurance companies in Crossville, TN
Cheapest car insurance companies in Crossville, TN
Overall standout: Progressive
$30/month for liability-only, $96/month for full coverage
Best for minimum coverage: Kemper Preferred
$21/month on average
Best for full coverage: Grange Insurance
$90/month on average
Best car insurance companies in Crossville
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 Crossville, we’ve made it easy. We wanted to find out what car insurance companies offered the cheapest car insurance rates in Crossville, so we conducted the largest insurance shopping survey in the nation.
Using a 5.0 rating scale, we asked over 15,000 real policyholders in Tennessee to rate their current providers in terms of customer service, cost-effectiveness, and claims handling.
Take a look at the list of insurers in Crossville that not only have competitive rates for both full and minimum coverage, but also scored 4 stars or higher on our recent survey.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Customer service score | Overall Jerry score |
|---|---|---|---|---|
$46 | $131 | 3.8 | 3.6 | |
$47 | $111 | 4 | 4.3 | |
$30 | $96 | 4.2 | 4.3 | |
$43 | $140 | 4.4 | 4.5 |
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.
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.
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Sean S.
Best cheap car insurance quotes in Crossville
Crossville 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 Crossville
In Crossville, Tennessee, drivers must satisfy the state’s minimum car insurance requirements. Here’s a breakdown of what you’ll need:
- $50,000 of bodily injury liability per accident
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.
Drivers in Crossville, Tennessee generally find the cheapest minimum coverage rates with the following companies:
Insurance company | Monthly minimum coverage cost |
|---|---|
$46 | |
$71 | |
$67 | |
$47 | |
$30 | |
$43 | |
$51 |
Do you need more than minimum coverage in Crossville?
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 Crossville
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.
Take a look at the table below to see a range of insurers who offer lower than average full coverage car insurance:
Insurance company | Monthly full coverage cost |
|---|---|
$131 | |
$270 | |
$347 | |
$211 | |
$143 | |
$111 | |
$96 | |
$119 | |
$140 | |
$90 |
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.Average cost of car insurance in Crossville by zip code
Your ZIP code plays a large part in your car insurance calculations since different areas of a city are subject to their own unique features. If you move to a ZIP code notorious for traffic congestion or vehicle theft, you’ll likely see higher rates than drivers in other areas of the city.
To see how your ZIP code could affect your Crossville insurance rates, check out the table below.
ZIP code | Monthly coverage cost |
|---|---|
35962 | $69 |
38555 | $95 |
38558 | $128 |
38571 | $68 |
38572 | $51 |
Car insurance quotes in Crossville by rating factors
Insurance companies in Crossville 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 Crossville?
How do different factors impact your car insurance costs in Crossville?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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 Crossville:
Cheap car insurance quotes in Crossville 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 Crossville 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, you can still save with some of these insurance providers:
Insurance company | Monthly coverage cost |
|---|---|
$160 | |
$172 | |
$184 | |
$145 |
Cheapest car insurance in Crossville 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.To find cheap rates after a DUI in Crossville, consider starting by looking at a few of these top insurers:
Insurance company | Monthly coverage cost |
|---|---|
$193 | |
$154 |
Cheapest car insurance in Crossville 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. These car insurance companies offer some of the lowest premiums for drivers with accidents on their insurance record:
Insurance company | Monthly full coverage cost |
|---|---|
$106 | |
$134 | |
$79 |
Cheapest car insurance in Crossville 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 Crossville.Check out the table below to see the average rates for other violations in Crossville, Tennessee.
Violation | Top insurance provider | Monthly coverage cost |
|---|---|---|
Defective Equipment | $195 | |
Improper Passing | $81 | |
Suspension | $160 |
But this doesn’t make it impossible to find cheap car insurance. Elephant Auto Insurance ($76/month) and
Bristol West
($108/month) offer some of the lowest rates after a careless driving charge, whereas Trexis
($60/month) and Dairyland
($81/month) tend to provide cheaper premiums for those caught passing improperly. To find your best rate after a violation, compare pricing from several providers.
Cheap car insurance quotes in Crossville 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.
Here are the average premium amounts drivers of different age groups pay for coverage in Crossville:
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
18-21 | $126 | $273 |
22-25 | $71 | $141 |
26-34 | $56 | $141 |
35-44 | $42 | $103 |
45-54 | $62 | $156 |
55-64 | $62 | $127 |
65+ | $60 | $106 |
Cheapest car insurance in Crossville for young drivers
Thanks to a general lack of driving experience, teen drivers (and new drivers in general) pay the most for car insurance in Crossville, Tennessee and elsewhere. Lack of driving experience means an increased risk for accidents, which leads to higher insurance premiums.
Despite higher overall premiums, you should still consider a full-coverage policy if you’re a young or new driver in Crossville. Full coverage policies offer the added financial protection you’ll need if you’re involved in a crash.
Here are a few of the cheapest providers for teen drivers in Crossville.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$94 | $215 | |
$95 | $95 | |
$72 | $209 |
Cheapest car insurance in Crossville for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-54 see some of the cheapest rates for all age demographics.
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts, bundling policies, and comparing rates with some of the top providers in their area.
If you're a driver between the ages of 25 and 54, here are some of the premium costs you could pay with these insurers:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$51 | $106 | |
$32 | $55 | |
$26 | $80 |
Cheapest car insurance in Crossville 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 ways to save with the cheapest insurers:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$41 | $113 | |
$34 | $58 | |
$22 | $66 |
Cheap car insurance quotes in Crossville 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, you can find the most savings after a lapse with the following providers:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$56 | $186 | |
$81 | $248 | |
$57 | $156 | |
$41 | $126 | |
$34 | $105 | |
$38 | $89 |
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Cheap car insurance quotes in Crossville 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 score | Monthly coverage cost |
|---|---|
< 600 | $112 |
601-699 | $107 |
700+ | $44 |
However, there are some providers who offer affordable rates for motorists in Crossville with poor credit:
Insurance company | Monthly full coverage cost |
|---|---|
$43 | |
$53 | |
$88 |
Cheap car insurance quotes in Crossville for popular cars
The kind of car you drive can have a significant impact on auto insurance premiums. The more expensive, large, and rare your vehicle is, the more it will cost to repair—and to insure. As a result, it’s important to find cost-effective rates with the best companies in Crossville.
When it comes to a 2022 Ford F-150, companies like Progressive ($131/month) and Safeco ($160/month) offer the lowest rates—whereas Clearcover ($87/month) and State Auto ($104/month) provide cheap premiums for a 2022 Honda Civic.
Check out the table below to see the top cheapest provider for some of the most popular vehicles in Crossville, along with their average rates for full coverage.
Vehicle type | Top insurance provider | Monthly full coverage cost |
|---|---|---|
$526 | ||
$453 | ||
$286 | ||
$294 |
How to lower car insurance costs in Crossville
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.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
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 in Crossville?
People living in Crossville pay on average $50 per month – or $600 per year – on state-minimum liability coverage. Full coverage in Crossville costs on average $153 per month or $1,836 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Crossville?
While no single provider will offer the ‘cheapest’ or ‘best’ rates to all drivers, most Crossville drivers find lower than average premiums with Progressive, Kemper Preferred, and Grange Insurance.
What is the minimum car insurance in Crossville, Tennessee?
The state-minimum car insurance in Crossville, Tennessee is $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 25/50/15 coverage.
What is the best car insurance in Crossville?
For a full coverage policy, most motorists in Crossville find cheaper coverage with Grange Insurance, Progressive, and Nationwide. When it comes to state minimum policies, Kemper Preferred, Trexis, and State Auto offer the lowest rates.
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
Kianna Walpole
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.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
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.