PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Cheapest car insurance in Dunlap, Tennessee (Nov 2024)
Cheapest car insurance in Dunlap, Tennessee (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Dunlap, 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 Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- Best car insurance companies in Dunlap
- How to find the cheapest car insurance quotes in Dunlap
- Best cheap car insurance quotes in Dunlap
- Average cost of car insurance in Dunlap
- Car insurance quotes in Dunlap by rating factors
- How do different factors impact your car insurance costs in Dunlap?
- Cheap car insurance quotes in Dunlap after driving violations
- Cheap car insurance quotes in Dunlap by age
- Cheap car insurance quotes in Dunlap based on insurance history
- Cheap car insurance quotes in Dunlap for popular cars
- How to lower car insurance costs in Dunlap
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Dunlap
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. To help drivers in Dunlap find their ideal provider, Jerry experts conducted one of the largest consumer surveys in the nation.
We found that some of the largest providers, such as Allstate and State Farm in Dunlap, TN, received lower than average overall scores, while several smaller providers achieved higher ratings.
Check out the table below to see how real policyholders rated their experience with their insurer, and how their average rates compare against one another.
Insurance company | Overall rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
3.9 | $1,089 | $341 | |
4.2 | $1,205 | $329 | |
4.1 | $2,056 | $593 | |
3.5 | $2,325 | $445 |
State Farm
State Farm
- Overall Jerry rating in Dunlap: 3.9
- AM Best financial strength: A++ (Superior)
- NAIC complaint index (September 2023): Slightly more than expected
State Farm is one of the top insurance choices for most drivers. With a wide network of local insurance agents, digital policy management, and several discounts for an array of driver profiles, car insurance is made easy—and affordable—with State Farm in Dunlap, TN.
Read More
Progressive
Progressive
- Overall Jerry rating in Dunlap: 4.2
- AM Best financial strength: A+ (Superior)
- NAIC complaint index (June 2023): More than expected
Progressive is one of the country’s largest car insurance providers. Policyholders with Progressive can take advantage of 24/7 customer service support and a lengthy list of coverage options and discounts, including Small Accident Forgiveness.
Read More
Safeco
Safeco
- Overall Jerry rating in Dunlap: 4.5
- AM Best financial strength: A (Excellent)
- NAIC complaint index (June 2023): Higher than average
Drivers with violations may find the best deals with Safeco. This driver offers features such as Accident Forgiveness, Claims-Free Cash Back, and Diminishing Deductibles for those who maintain a clean record—and they can even help you build safe driving habits with the RightTrack telematics program.
Read More
National General
National General
- Overall Jerry rating in Dunlap: 4.3
- AM Best financial strength: A+ (Superior)
- NAIC complaint index (January 2023): Higher than average
Young drivers looking to lower their car insurance premiums may find the best coverage with National General. With offers including DynamicDrive, lifetime repair guarantees, and a self-service website, younger motorists can save on car insurance while ensuring they’re properly covered at all times.
Read More
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.
How to find the cheapest car insurance quotes in Dunlap
In Dunlap, the average
auto insurance
policy costs about $78 per month for minimum coverage liability insurance, and about $190 per month for full coverage insurance. Dunlap drivers pay 1% more 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 Dunlap 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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $76 | Franklin, 37 Zip: 37327 | Chevrolet Trailblazer LS | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $205 | Howard, 28 Zip: 37327 | Honda Civic Sport | • 100,000/300,000 Liability • Comp / Collision |
| National General | $134 | Julia, 46 Zip: 37327 | Nissan Maxima 3.5S | • State Minimum Liability • Comp / Collision |
Trexis | $182 | Gene, 32 Zip: 37327 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Best cheap car insurance quotes in Dunlap
Dunlap 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 Dunlap
In Dunlap, 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.
Here’s a look at rates Jerry users have found for minimum liability coverage in Dunlap.
Calvin (37 years old)
$68
per month
Julia (46 years old)
$134
per month
Trexis
Gene (32 years old)
$182
per month
Do you need more than minimum coverage in Dunlap?
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 Dunlap
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 Dunlap drivers have found for full coverage car insurance with Jerry’s help.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $76 | Franklin, 37 Zip: 37327 | Chevrolet Trailblazer LS |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $205 | Howard, 28 Zip: 37327 | Honda Civic Sport |
• State Minimum Liability • Comp / Collision | National General | $134 | Julia, 46 Zip: 37327 | Nissan Maxima 3.5S |
• State Minimum Liability • Comp / Collision | Trexis | $182 | Gene, 32 Zip: 37327 | Nissan Altima 2.5 |
Last Updated Nov 17, 2024Finding 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Dunlap
After analyzing scores of insurance providers in Dunlap, we have discovered that the average price for minimum liability coverage amounts to be $78 per month or $936 per year. Additionally, residents of Dunlap can expect to pay an average of $190 per month or $2,280 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 Dunlap by rating factors
- 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 Dunlap?
How do different factors impact your car insurance costs in Dunlap?
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 Dunlap:
Cheap car insurance quotes in Dunlap 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 Dunlap 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.
Last Updated Nov 21, 2024Cheapest car insurance in Dunlap 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.
Cheapest car insurance in Dunlap 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 Dunlap policyholders:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $150 | David, 27 Zip: 37327 | Honda Civic Sport | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $205 | Callie, 27 Zip: 37327 | Honda Civic Sport | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 15, 2024Cheapest car insurance in Dunlap 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 Dunlap.Here’s a look at rates Dunlap drivers have found after various types of violations with help from Jerry:
Last Updated Nov 21, 2024Cheap car insurance quotes in Dunlap 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 Dunlap 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.
Cheapest car insurance in Dunlap 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:
Cheap car insurance quotes in Dunlap 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:
Dale (36 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Dunlap, TN (Zip Code: 37327)
$76
per month
Ryan (45 years old)
$134
per month
Mable (36 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Dunlap, TN (Zip Code: 37327)
$76
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Dunlap 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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Trexis | $159 | Ricky, 32 Zip: 37327 | Jeep Compass Latitude | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Dunlap 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.
Vehicles that are popular with Dunlap drivers are:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic Sport | Progressive | $150 | Martin, 27 Zip: 37327 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 15, 2024How to lower car insurance costs in Dunlap
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 Dunlap?
People living in Dunlap pay on average $78 per month – or $936 per year – on state-minimum liability coverage. Full coverage in Dunlap costs on average $190 per month or $2,280 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 Dunlap?
Based on thousands of Dunlap drivers Jerry has worked with, car insurance in Dunlap costs an average of $78 per month for state-minimum coverage and $190 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Dunlap, Tennessee?
The state-minimum car insurance in Dunlap, 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 Dunlap?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, and Travelers receive good ratings from Dunlap drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
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.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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.