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Cheapest car insurance in La Vergne, Tennessee (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in La Vergne, Tennessee.
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Andrea Barrett
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 La Vergne

On average, drivers in La Vergne, TN, pay about $71 per month for the state minimum coverage and about $151 per month for full coverage auto insurance. Compared to the state average, La Vergne drivers pay about $4% more for car insurance. 
If you want to save money on
auto insurance
in La Vergne,
Tennessee
, shopping around and
comparing quotes
from different providers is the best option. But, with dozens of reputable providers, requesting quotes from individual providers can be tedious and time-consuming.
Don’t settle for the first quote you get—and don’t waste your time requesting Tennessee
auto insurance quotes
from individual carriers. The
Jerry
app makes shopping for car insurance easy by pulling personalized free quotes from 55+ top providers in just 45 seconds. 
Check out the table below for actual quotes that Jerry found for drivers in La Vergne, TN.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$132
Mable, 33
Zip: 37086
Fiat 500X POP
• State Minimum Liability
• Comp / Collision
Safeco
$71
Travis, 55
Zip: 37086
Honda Accord EX
• State Minimum Liability
• Comp / Collision
Allstate
$152
Vincent, 28
Zip: 37086
Dodge Challenger SXT
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$258
Randall, 33
Zip: 37086
Dodge Challenger SXT
• 100,000/300,000 Liability
• Comp / Collision
State Auto
$148
Noah, 48
Zip: 37086
GMC Sierra K1500 Denali
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 20, 2024

Best car insurance companies in La Vergne

To help you pick the right insurer, Jerry conducted the largest insurance shopping survey in the nation and found that policyholders in Tennessee tend to favor
Bristol West
, State Auto, and
Travelers
regarding policy cost, customer service, and claims processing. 
But those aren’t the only companies with great rankings. Here’s a breakdown of other Tennessee providers who scored high on our survey and their corresponding rankings for each category.
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 La Vergne

To legally hit the road in La Vergne, TN, drivers must carry auto insurance that meets or exceeds the
state’s minimum car insurance requirements
. While minimum insurance coverage is often the cheapest coverage option, it’s not the best pick for every driver.

Cheap minimum liability insurance quotes in La Vergne

Minimum car insurance requirements for Tennessee drivers are as follows:
Uninsured/underinsured motorist coverage (UM/UIM)
isn’t required by law in Tennessee, but insurers are legally obligated to offer it to all drivers. If you opt out of UM/UIM coverage, you must declare your decision in writing.
Check out the table below to see rates that real Jerry customers have received with some of the cheapest companies for liability-only coverage:
card cover
Mable (33 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carFiat 500X POP
$132
per month
card cover
Ronnie (59 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carGMC Acadia SLE
$105
per month
card cover
Mollie (34 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carChevrolet Equinox LT
$90
per month
card cover
Dylan (52 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carJeep Liberty Sport
$81
per month
card cover
Trexis
Chad (25 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carFord Focus SE
$72
per month

Do you need more than minimum coverage in La Vergne?

Driver’s aren’t legally obligated to purchase more than the state minimum. However, while Tennessee’s car insurance requirements are on par with most states, they can max out rather quickly and may not offer extensive financial protection if you’re involved in an accident. 
Let’s look at an example. If you’re involved in a collision where a vehicle valued at $50,000 was totaled, your $25,000 liability limit for property damage would be used up instantly, meaning you’d be on the hook for the remaining amount. Similarly, if a driver were severely injured and needed medical treatment exceeding minimum coverage limits ($25,000), you would be liable to pay the rest out of pocket. 
It’s also important to remember that liability insurance only covers third-party costs—it doesn’t cover damage to your vehicle. If you want coverage for physical damages, you will need comprehensive and collision coverage.
Most drivers will benefit from a full coverage policy with higher liability limits and add-on coverages, such as roadside assistance, and comprehensive and collision coverage. Experts typically recommend upping your limits to 50/100/50 or 100/300/100 to better protect your assets and future finances. 

Cheap full coverage car insurance quotes in La Vergne

Minimum liability insurance covers you against expenses resulting from an at-fault collision, but it doesn’t cover your costs—however, investing in a full coverage insurance policy does.
“Full coverage” is an umbrella term that describes any insurance policy that includes
liability coverage
and coverage for physical damages—i.e., comprehensive and collision insurance.
  • Collision coverage
    pays for vehicle repairs or replacement following a collision with another vehicle or stationary object.
  • Comprehensive coverage
    pays for vehicle repair or replacement costs after a non-collision-related incident, such as theft, vandalism, or a run-in with an animal. 
If you lease or loan your car, your lender may require you to purchase collision and comprehensive insurance for the duration of your lease or auto loan. If you plan to add additional coverage to your policy, such as
towing and labor coverage
, you’ll also need full coverage.
Collision and comprehensive coverage are subject to deductibles. To reduce your monthly payments, you can increase your deductibles to the highest amount you can afford to pay upfront in the event of an accident.
Although full coverage insurance undoubtedly costs more than minimum coverage, you might be surprised that they’re more affordable than you think. 
Check out the table below for some of the best rates drivers in La Vergne found on full coverage policies using Jerry.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$132
Mable, 33
Zip: 37086
Fiat 500X POP
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$152
Vincent, 28
Zip: 37086
Dodge Challenger SXT
• State Minimum Liability
• Comp / Collision
Safeco
$71
Travis, 55
Zip: 37086
Honda Accord EX
• State Minimum Liability
• Comp / Collision
National General
$105
Ronnie, 59
Zip: 37086
GMC Acadia SLE
• State Minimum Liability
• Comp / Collision
Trexis
$449
Belle, 24
Zip: 37086
KIA K5 GT Line
coverageLast Updated Nov 18, 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 La Vergne

La Verge drivers pay average rates of about $71 per month or $851 per year for minimum liability coverage. Full coverage auto insurance in La Vergne costs an average of $151 per month or $1,816 per year.
Understanding the average rates in your city can help estimate how much you’ll pay to insure your car, but they won’t be the same for you. Car insurance rates vary between carriers and are influenced by several driver-specific factors, including vehicle make and model, driving history, annual mileage, age, and more.

Car insurance quotes in La Vergne by rating factors 

Insurance carriers in La Vergne use several rating factors when
calculating auto insurance premiums
. Some of the most common factors that can affect your rates include:  
  • Your driving record and claims history: Drivers with at-fault
    car accidents
    or moving violations face higher premiums than drivers with clean records.
  • Your age: Drivers under 25 and over 65 typically see higher rates due to factors that affect accident risk. Middle-aged drivers between 25 and 65 usually see lower auto insurance rates.
  • Your location: Different city areas are subject to factors that can influence car insurance rates, such as crime activity and traffic patterns. 
  • Your mileage: High annual mileage increases your collision risk and, therefore, your car insurance rates.
  • The make/model of your car: Luxury, sport, and high-performance cars tend to have higher repair and replacement costs—and insurance rates.
  • Your credit score: Safe drivers with good credit see lower insurance premiums, even for identical coverage.

How do different factors impact your car insurance costs in La Vergne?

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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 La Vergne:

Cheap car insurance quotes in La Vergne after driving violations

Your
Tennessee driving record
plays one of the biggest roles in how much you’ll pay to insure your car in La Vergne. Whether you have a history of moving violations or a single speeding ticket, these offenses signal to insurance agents that you’re a
high-risk driver
, which tends to send rates through the roof. 
Some of these violations could include:

Cheapest car insurance in La Vergne after a speeding ticket

Car insurance prices are almost guaranteed to rise after a
Tennessee speeding ticket
, but how much your rates increase depends on the severity of the ticket and whether it’s your first offense. And if you’re going fast enough to warrant a reckless driving conviction, expect significant rate increases.
Whether this is your first offense or you have multiple speeding tickets behind you, Jerry can still help you find affordable insurance coverage.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
AAA
$81
Leroy, 33
Zip: 37086
KIA Soul
• State Minimum Liability
Speeding 6-10
Allstate
$70
Alex, 36
Zip: 37089
Audi RS5
• State Minimum Liability
coverageLast Updated Nov 21, 2024

Cheapest car insurance in La Vergne after DUI

Under
Tennessee’s DUI laws
, driving under the influence is a serious offense that can lead to major fines and send your car insurance rates through the roof. A DUI flags you as a high-risk driver, which insurers see as more costly. It’s also important to note that while high-risk insurance is available through many providers, others deny coverage to high-risk drivers.
But there is good news—even with a DUI on your record, Jerry can help you find savings on car insurance. 
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Rachel (41 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLa Vergne, TN
(Zip Code: 37089)
$61
per month
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Kenneth (30 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLa Vergne, TN
(Zip Code: 37086)
$59
per month

Cheapest car insurance in La Vergne after an at-fault accident

At-fault accidents are another red flag for insurers—and multiple (or even a single) offenses on your record can lead to steep premiums. Insurers calculate premiums based on a driver's level of risk, and drivers with a history of at-fault accidents are a higher risk to an insurer than drivers with
clean driving records
.
If you recently added an at-fault accident to your record, shopping around for new car insurance quotes could land you a cheaper rate—like it did for these La Vergne policyholders:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$317
Marguerite, 36
Zip: 37086
Dodge Challenger SXT Plus
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$75
Sally, 51
Zip: 37086
Jeep Liberty Sport
• State Minimum Liability
Not At Fault
Allstate
$197
Birdie, 32
Zip: 37086
Nissan Sentra S
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
National General
$348
Mattie, 36
Zip: 37086
Nissan Altima SR
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

Cheapest car insurance in La Vergne after other driving violations

DUIs, speeding tickets, and accidents are just a few examples of infarctions that can lead to high car insurance rates in La Vergne. Other offenses, like driving with a suspended license or
driving without insurance
, can also lead to unaffordable rates.
Here’s a look at rates La Vergne drivers have found with Jerry after various types of violations:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Defective Equipment
Allstate
$129
Verna, 29
Zip: 37086
KIA Sorento EX
• 250,000/500,000 Liability
• Comp / Collision
Driving on Sus. License
Progressive
$130
Laura, 40
Zip: 37086
GMC Terrain SLE
• State Minimum Liability
• Comp / Collision
Improper Passing
Safeco
$317
Sylvia, 36
Zip: 37086
Dodge Challenger SXT Plus
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

Cheap car insurance quotes in La Vergne by age

Age isn’t the make or break for insurance rates, but it determines your risk level. Young and new drivers typically see higher auto insurance premiums due to a lack of driving experience. While seniors have an abundance of experience under their belt, they’re subject to other factors that also lead to high premiums. 

Cheapest car insurance in La Vergne for young drivers

Teen drivers
(and new drivers) pay the highest rates for Tennessee car insurance of any age group due to a higher risk of accidents from a lack of driving experience.
While purchasing minimum coverage is the cheapest option for young drivers, investing in a full coverage policy offers better financial protection and peace of mind in the event of an accident. Some young drivers may also qualify for
good student discounts
or students away at school discounts to help offset steep rates.
Using the Jerry app to compare rates across multiple providers can also find teen and new drivers find the most affordable rate.
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Evan (24 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationLa Vergne, TN
(Zip Code: 37086)
carChevrolet Silverado C1500 LT
$221
per month
card cover
Inez (22 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carHyundai Sonata GLS
$248
per month
card cover
Josie (24 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carKIA K5 GT Line
$195
per month
card cover
Trexis
Lina (23 years old)
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carChevrolet Colorado Trail Boss
$111
per month

Cheapest car insurance in La Vergne for senior drivers

While older drivers enjoy some of the lowest car insurance rates, seniors don’t have the same luxury. Rates of seniors 65+ are typically higher due to slower reflexes that increase accident risk and greater susceptibility to injury. 
Fortunately, shopping with Jerry can still help you find the most affordable rate:
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Celia (75 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLa Vergne, TN
(Zip Code: 37086)
carFord Edge SEL
$82
per month

Cheap car insurance quotes in La Vergne based on insurance history

Your insurance history can impact your insurance rates as much as your driving and claims history. Insurers want to know you’ve maintained continuous coverage throughout your entire driving career. Any
lapses in coverage
signal to insurers that you’re a higher risk to insure, which leads to higher rates. Similarly, new drivers with a limited insurance history can also face higher premiums. 
But there’s good news—whether you have a short insurance history or a lapse in coverage, shop with Jerry to compare rates and find the most affordable option.
card cover
Martha (40 years old)
Currently Insured
coverageCoverage
State Minimum
locationLa Vergne, TN
(Zip Code: 37086)
carGMC Terrain SLE
$130
per month
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Harry (45 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLa Vergne, TN
(Zip Code: 37086)
carToyota Camry
$106
per month
card cover
Matthew (32 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLa Vergne, TN
(Zip Code: 37086)
carDodge Challenger SXT
$258
per month
card cover
Eugene (27 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLa Vergne, TN
(Zip Code: 37086)
carDodge Challenger SXT
$152
per month
card cover
Willie (47 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLa Vergne, TN
(Zip Code: 37086)
carGMC Sierra K1500 Denali
$148
per month

Cheap car insurance quotes in La Vergne for drivers with bad credit

While bad credit doesn’t automatically mean you’re an unsafe driver, statistics show a correlation between
low credit scores
and increased claims frequency. As such, drivers with low credit scores (<600) will pay more for car insurance than those with good credit ratings (>700).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$252
Tyler, 39
Zip: 37086
Acura RDX A-Spec
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Allstate
$152
Tommy, 27
Zip: 37086
Dodge Challenger SXT
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
National General
$73
Isaiah, 30
Zip: 37086
Honda Accord LX
• State Minimum Liability
< 550
Trexis
$210
Dora, 27
Zip: 37086
Mazda CX-5 Sport
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

How to lower car insurance costs in La Vergne

1. Shop around and compare quotes

If you’re looking to save on car insurance costs, shopping around and comparing quotes from several providers is the easiest way to find the most affordable rate. But since your driver profile and the criteria insurers use to calculate premiums are constantly changing, it’s also important to shop for new rates every six months to ensure you’re paying the lowest rate.
When shopping for car insurance, you can either use an insurance agency, or a broker, like Jerry. In less than 45 seconds, sign up with Jerry, create a unique profile, and unlock the best coverage at the best rate for your driver profile from a pool of over 55 top insurers in your area.

2. Hunt for car insurance discounts

Serval providers offer car insurance services to help drivers lower rates—and
car insurance discounts
are one of the easiest ways to save on your monthly payments. But while every insurer offers them, discounts may vary based on your location and carrier. 
Some popular discounts include: 
  • Good driver discounts: Drivers who’ve maintained an accident- and violation-free record for 3-5 years may qualify for a discount on their annual premium.
  • Telematics discounts: Installing a telematics device to track your driving habits could qualify you for a discount. The safer you drive, the more you save.
  • Good student discounts: Full-time high school or college students who maintain a B average or better might qualify for a discount from your insurance company.
  • Bundling discounts: Loyal customers are eligible to save by
    bundling home insurance with auto
    (or auto with renters insurance) with the same carrier to lower their premiums on both homeowners insurance and car insurance.

3. Increase your deductible for comprehensive and collision coverage

Collision and comprehensive coverage are both subject to deductible—the lower your deductible, the more you’ll pay monthly. To reduce your monthly payments, increase your deductible to the highest amount you can afford out-of-pocket if you’re involved in a collision. 

FAQ

How much is car insurance in La Vergne?

La Vergne drivers pay an average of $71 per month or $851 per year for state minimum coverage. For a full coverage policy, rates average around $151 per month or $1,816 per year.

What is the cheapest car insurance in La Vergne?

State minimum coverage—which costs around $851 per year—is the cheapest option for car insurance in La Vergne. However, while minimum coverage comes with the lowest cost, it doesn’t offer the same level of protection as a full coverage auto insurance policy.

What is minimum car insurance in La Vergne, Tennessee?

All Tennessee drivers must carry car insurance with minimum coverage limits of at least 25/50/25 coverage—$25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability coverage per accident. 

What is the best car insurance in La Vergne?

The best car insurance provider will vary based on your insurance needs. According to our nationwide survey of more than 18,000 policyholders, Tennessee drivers favored smaller insurance carriers like
Bristol West
,
State Auto
, and
Travelers
for excellent cost, customer service, and claims handling. 

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
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.
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.