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Cheapest car insurance in Humboldt, Tennessee (Nov 2024)
Cheapest car insurance in Humboldt, Tennessee (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Humboldt, Tennessee.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Humboldt
- How to find the cheapest car insurance quotes in Humboldt
- Best cheap car insurance quotes in Humboldt
- Average cost of car insurance in Humboldt
- Car insurance quotes in Humboldt by rating factors
- How do different factors impact your car insurance costs in Humboldt?
- Cheap car insurance quotes in Humboldt after driving violations
- Cheap car insurance quotes in Humboldt by age
- Cheap car insurance quotes in Humboldt based on insurance history
- Cheap car insurance quotes in Humboldt for popular cars
- How to lower car insurance costs in Humboldt
- FAQs
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Humboldt
To help you narrow down the best insurance providers in Humboldt, Jerry conducted a nationwide survey asking more than 18,000 policyholders what they like and don’t like about their current insurance providers.
For Tennessee drivers, policyholders favored Bristol West,
GEICO
, and Travelers
, giving them high ratings for cost, customer service, and claims processing. While State Farm
in Humboldt, TN, didn’t receive an excellent rating for cost, policyholders were impressed with the customer service and gave them an overall rating of 4.2/5.0.This is what Tennessee drivers had to say about these and other providers.
Insurance company | Overall rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
3.9 | $967 | $317 | |
4.5 | $1,015 | $745 | |
4.2 | $1,229 | $636 | |
4.1 | $1,294 | $466 | |
4.3 | $1,409 | $455 |
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 Humboldt
It costs the average Humboldt motorist $55 per month for state minimum coverage ($660 annually) and $139 per month for full coverage ($1,668 annually). Compared to the Tennessee state average, Humboldt drivers pay roughly 10% less for insurance.
Finding affordable
auto insurance
can be challenging, but if you’re looking for the best rate in Humboldt, Tennessee
, comparing rates from multiple insurance providers is the easiest way to max out your savings.But with dozens of reputable insurance providers in The Volunteer State, requesting individual quotes from every provider can be tedious—and time-consuming.
Save yourself time (and money) by shopping around with Jerry. In under a minute, Jerry pulls the best quotes from a pool of providers in TN to find you the most affordable rate. Best of all, Jerry will walk you through the entire process, and the quotes are completely free.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $71 | Essie, 54 Zip: 38343 | Dodge RAM 1500 ST | • State Minimum Liability • Comp / Collision |
| National General | $86 | Mayme, 55 Zip: 38343 | Chevrolet Equinox LTZ | • State Minimum Liability • Comp / Collision |
Gainsco | $81 | William, 26 Zip: 38343 | Nissan Altima 2.5 | • State Minimum Liability |
Last Updated Nov 22, 2024Best cheap car insurance quotes in Humboldt
Tennessee car insurance laws
require all drivers to carry auto insurance that meets or exceeds the state’s minimum requirements. In TN, drivers must have liability coverage with limits of at least 25/50/25.However, while minimum coverage is required, many drivers opt for full coverage policies that offer more financial and legal protection in the event of an accident.
Cheap minimum liability insurance quotes in Humboldt
Tennessee’s minimum car insurance requirements are as follows:
- $50,000 of bodily injury liability per accident
Uninsured/underinsured motorist coverage
isn’t required by state laws, but insurers are legally required to offer it to drivers; denying UM/UIM coverage must be done in writing. Check out some rates drivers found for minimum liability coverage in Humboldt using Jerry.
Gainsco
William (26 years old)
$81
per month
Mayme (55 years old)
$86
per month
Trexis
Fannie (54 years old)
$77
per month
Do you need more than minimum coverage in Humboldt?
In most cases, yes.
Although Tennessee’s minimum coverage requirements are similar to most states, they typically don’t provide enough coverage if you’re involved in an accident, especially if there is a serious injury or a vehicle is totaled.
Serious accidents can quickly exhaust minimum state limits, and if you were found at fault, you’d be on the hook for any expenses that exceed your policy limits. 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 beyond the original crash date. Our recommendations: If you’re not investing in a full coverage auto insurance policy, it’s recommended to increase your liability limits to at least 50/100/50, but 100/300/100 is even better.
Cheap full coverage car insurance quotes in Humboldt
Liability coverage offers financial protection for third-party injuries and physical damage, but it doesn’t protect you—you’d need collision and comprehensive coverage for that.
Full coverage car insurance
isn’t a specific type of insurance—it’s an ‘umbrella term’ used to describe any policy that covers physical damages (i.e., has collision and comprehensive coverage). - Collision coveragepays for repairs or replacement of your vehicle after an accident with another vehicle or stationary object.
- Comprehensive coveragepays repair or replacement costs in non-collision-related incidents like theft, vandalism, or natural disasters.
It’s also important to note that if you finance or lease your vehicle, your lender may require you to carry collision and comprehensive coverage for the duration of your auto loan or lease. You’ll also need full coverage if you want additional insurance options, such as
roadside assistance
.| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $71 | Essie, 54 Zip: 38343 | Dodge RAM 1500 ST |
• State Minimum Liability • Comp / Collision | Safeco | $130 | Dean, 31 Zip: 38343 | Ford Escape S |
• State Minimum Liability • Comp / Collision | National General | $86 | Mayme, 55 Zip: 38343 | Chevrolet Equinox LTZ |
Last Updated Nov 22, 2024In under a minute, Jerry pulls the best quotes from providers in Tennessee to find you the most affordable rate. Best of all, the app walks you through the entire process for more peace of mind, and the auto quotes are entirely free.
"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 Humboldt
On average, drivers in Humboldt, TN, pay around $55 per month or $660 per year for minimum coverage car insurance. A full coverage policy in Humboldt costs an average of $139 per month or $1,668 per year.
Understanding the average cost of car insurance in Humboldt can give you an indication of how much you can expect to pay, but these are averages—your premium will depend on your driver profile and coverage needs.
Car insurance quotes in Humboldt 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 Humboldt?
How do different factors impact your car insurance costs in Humboldt?
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 Humboldt:
Cheap car insurance quotes in Humboldt after driving violations
Your
Tennessee driving record
undoubtedly has one of the biggest influences on how much you’ll pay to insure your vehicle. A history of violations and at-fault accidents makes you a riskier driver, which leads to higher car insurance rates. Some common violations that can increase insurance rates include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
- Driving without a license
- Driving with asuspended license
Cheapest car insurance in Humboldt after speeding ticket
If you have a
Tennessee speeding ticket
on your driving record, you will almost certainly see an increase in your car insurance rates—but how much your rates increase is determined by the severity of the offense and if you have prior speeding tickets. If you’re going fast enough to warrant a reckless driving conviction
, expect a major increase in your premium.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 Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $55 | Alma, 36 Zip: 38343 | Dodge Dakota | • 50,000/100,000 Liability |
Speeding 6-10 | Nationwide | $57 | Jeremiah, 34 Zip: 38343 | Hyundai Elantra | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest car insurance in Humboldt after DUI
A
DUI in Tennessee
is a major red flag for insurers that signals you’re a high-risk driver and a high-risk to the insurer. The result: your insurance rates will go through the roof. However, while a DUI is guaranteed to increase your rates, you’ll still want to compare rates from several providers to find the lowest option. It’s also important to note that while most insurance providers offer high-risk coverage, some don’t, especially if you’re a repeat offender.
Luckily, Jerry can help you get a quote for affordable coverage even after a major conviction, like a DUI.
Myrtle (33 years old)
$49
per month
Cheapest car insurance in Humboldt after an at-fault accident
A history of at-fault accidents is another red flag for insurers. Multiple 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’ve recently added an at-fault accident to your driving record, shopping around for new car insurance quotes might get you a better rate—as it did for these Humboldt policyholders:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $165 | Todd, 30 Zip: 38343 | Ford Focus SE | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $163 | Edith, 25 Zip: 38343 | Chevrolet Cruze LTZ | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Gainsco | $81 | Andrew, 25 Zip: 38343 | Nissan Altima 2.5 | • State Minimum Liability |
Last Updated Nov 16, 2024Cheapest car insurance in Humboldt after other driving violations
Most moving violations will affect your car insurance rates to some degree, but it doesn’t stop with DUIs, speeding tickets, and accidents. Other offenses, such as reckless driving, driving with a suspended license, and driving without insurance, can also lead to higher-than-average rates in Humboldt.
Here’s a look at rates Humboldt drivers found with Jerry with these and other violations on their driving records:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $150 | Josephine, 22 Zip: 38343 | Honda Civic LX | • 100,000/300,000 Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $150 | Melvin, 22 Zip: 38343 | Honda Civic LX | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheap car insurance quotes in Humboldt by age
Age isn’t the only determining factor for insurance rates, but it can significantly affect how much you’ll pay for auto insurance.
Young drivers (and new drivers) have the highest average car insurance premiums of any age group, but rates typically start to decrease after 25. Similarly, seniors 75+ also see higher rates.
Cheapest car insurance in Humboldt 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.
Cole (24 years old)
$129
per month
Cheapest car insurance in Humboldt for senior drivers
Senior drivers 75+ also see higher rates due to slower reflexes that increase the risk of a collision and increased susceptibility to injury if involved in a crash.
Fortunately, shopping for auto insurance with Jerry can help seniors in Humboldt find the most affordable rates.
Cheap car insurance quotes in Humboldt based on insurance history
Like your driving record, your insurance history influences your car insurance rates. Insurers want to know that you’ve been insured your entire driving life—any
lapses in coverage
can negatively affect your rates.But it’s not just lapses that increase rates. New drivers with limited insurance history also face higher rates.
Here’s the good news: Jerry can help Humboldt drivers with a short or broken insurance history find the best rates on auto insurance coverage.
Alice (30 years old)
$165
per month
Gainsco
Pauline (25 years old)
$81
per month
Ian (48 years old)
$81
per month
Gainsco
Jesse (25 years old)
$81
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!
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They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Cleveland for drivers with bad credit
Not every insurer uses credit-based insurance scores, but those that do typically reward drivers with good credit. Statistically, there is a correlation between low credit scores and increased claims frequency, meaning that drivers with poor credit (<550) see higher insurance rates than drivers with good credit.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $129 | Olga, 23 Zip: 38343 | Jeep Wrangler Unlimited Sport | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $129 | Evelyn, 23 Zip: 38343 | Jeep Wrangler Unlimited Sport | • State Minimum Liability • Comp / Collision |
550 - 659 | Progressive | $165 | Michael, 30 Zip: 38343 | Ford Focus SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheap car insurance quotes in Humboldt for popular cars
Insurance rates also vary based on the kind of car you drive. Larger, more expensive, and high-performance vehicles have higher repair and replacement costs and, therefore, higher insurance rates.
These are the average rates Jerry found drivers pay for some of the most popular cars in Humboldt, TN.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic LX | Progressive | $150 | Eric, 22 Zip: 38343 | • 100,000/300,000 Liability • Comp / Collision |
| Nissan Altima 2.5 | Gainsco | $81 | Jesse, 25 Zip: 38343 | • State Minimum Liability |
Last Updated Nov 20, 2024How to lower car insurance costs in Humboldt
1. Shop around and compare quotes
Every insurance company has its own criteria to calculate insurance premiums, meaning quotes will vary between providers, even for the same driving profile.
To ensure you always have the cheapest rate, compare quotes from at least three providers before deciding. And to simplify and speed up this process, use Jerry! In less than a minute, Jerry will pull the best quotes from top providers to help you find the best auto insurance coverage at the best price.
And because your driver profile and insurer criteria constantly change, consider searching for a new rate every six months to stay on top of savings!
2. Hunt for car insurance discounts
Car insurance discounts
are one of the easiest ways to save on your monthly payments. While every insurer offers them, availability varies based on the provider and your location.Some common discounts include:
- Good driver discounts: Insurers typically reward safe drivers who’ve maintained a clean driving record for at least three years with lower rates.
- Telematics discounts: Most insurance providers offer telematics programs—devices or apps that track your driving habits to help you save. The safer you drive, the more you can save on your premium.
- Good student discounts: If you’re a full-time high school or college student, maintain a B average or better to be eligible for a good student discount. It’s a great way to offset high teen insurance costs!
- Bundling discounts:Bundling your auto and home insurance(or auto and renters insurance) with the same insurance company can help reduce both premiums.
3. Increase your deductible for comprehensive and collision coverage
If you have collision and comprehensive insurance, increasing your deductible to the highest amount you can afford to pay in the event of a crash can help reduce your monthly expenses—and you don’t even have to sacrifice coverage.
FAQs
What is the average cost of car insurance in Tennessee?
The average cost of minimum coverage car insurance in Tennessee is $55 per month or $660 per year, while full coverage auto insurance costs an average of $139 per month or $1,668 per year.
What car insurance do I need in Tennessee?
Tennessee car insurance laws require all drivers to carry liability insurance with limits of at least 25/50/25—$25,000 of
bodily injury liability
per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability
per accident. Uninsured motorist coverage isn’t required but is offered by all insurance providers.Can someone drive my car if they are not on my insurance in TN?
In most cases, yes. The vehicle owner is responsible for purchasing liability insurance on the car. If a driver not on the insurance policy gets into an accident in the vehicle, the primary liability insurance will cover it.
What happens if you don't have car insurance in TN?
Tennessee requires all drivers to carry a minimum amount of liability insurance. If caught driving without insurance, you could face a $300 fine, having your vehicle towed, or a suspended driver’s license.
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
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Maria Cruz
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.
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.