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Cheapest car insurance in Lebanon, Tennessee (May 2024)

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

How to find the cheapest car insurance quotes in Lebanon

In Lebanon, the average
auto insurance
policy costs about $78 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Lebanon drivers pay 19% less than the
Tennessee
average.   
While it would certainly make shopping easy, there’s no single car insurance company that offers the cheapest rates for everyone. That’s why it pays for drivers to
shop around
and
compare quotes
to find the best cheap auto insurance policy for them. Fortunately, Jerry makes it easy for Lebanon drivers to do just that—and once you find the policy you want at the right rate, our licensed insurance agents can help you cancel your old one completely hassle-free.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$359
Hannah, 25
Zip: 37090
Dodge RAM 1500 SLT
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$61
Connor, 40
Zip: 37087
Cadillac Escalade ESV Luxury
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$123
Ellen, 35
Zip: 37087
Honda Pilot EXL
• State Minimum Liability
• Comp / Collision
Allstate
$70
Nannie, 24
Zip: 37087
Ford Escape SE
• State Minimum Liability
• Comp / Collision
Electric
$103
Amy, 27
Zip: 37090
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 21, 2024

Best car insurance companies in Lebanon

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 Lebanon, we’ve made it easy. We wanted to find out what car insurance companies offered the cheapest car insurance rates in Lebanon, so we conducted the largest insurance shopping survey in the nation.
Our findings: Policyholders in Tennessee gave Bristol West,
GEICO
, and
Travelers
the highest rates for cost, customer service, and claims processing. 
After finding new car insurance policies with Jerry, here’s what Tennessee drivers have had to say about working with their providers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Geico
4.6
4.8
N/A
4.6
State Farm
4.2
3.7
4.6
4.4
Progressive
4.2
3.7
3.8
4
Allstate
4.1
4.3
N/A
4
Farmers
3.7
2.3
N/A
3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Lebanon

Lebanon 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 Lebanon

In Lebanon, Tennessee, drivers must satisfy the state’s minimum car insurance requirements. Here’s a breakdown of what you’ll need:
Uninsured/underinsured motorist coverage
is offered by insurers in Tennessee but isn’t required by law. If drivers choose to reject coverage, they must do so in writing.
Purchasing liability coverage is the easiest way to reduce monthly insurance payments, but it can leave you susceptible to significant expenses if you’re involved in an at-fault accident that causes injury or property damage.
Here’s a look at rates Jerry users have found for minimum liability coverage in Lebanon.
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Agnes (33 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
$155
per month
card cover
Nannie (29 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
$120
per month
card cover
Jayden (25 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37090)
$65
per month
card cover
Eddie (36 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37090)
$158
per month
card cover
Fannie (29 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
carChevrolet Cruze LT
$124
per month

Do you need more than minimum coverage in Lebanon?

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 Lebanon

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 Lebanon drivers have found for full coverage car insurance with Jerry’s help.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$359
Hannah, 25
Zip: 37090
Dodge RAM 1500 SLT
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$61
Connor, 40
Zip: 37087
Cadillac Escalade ESV Luxury
• State Minimum Liability
• Comp / Collision
Allstate
$70
Nannie, 24
Zip: 37087
Ford Escape SE
• State Minimum Liability
• Comp / Collision
Nationwide
$123
Ellen, 35
Zip: 37087
Honda Pilot EXL
• State Minimum Liability
• Comp / Collision
Gainsco
$109
Louisa, 41
Zip: 37087
Hyundai Sonata GLS
coverageLast Updated May 21, 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 Lebanon

After analyzing scores of insurance providers in Lebanon, we have discovered that the average price for minimum liability coverage amounts to be $78 per month or $936 per year. Additionally, residents of Lebanon can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Lebanon 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 Lebanon insurance rates, check out the table below.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
37087
$56
$117
37090
$50
$137
37129
$51
$127

Car insurance quotes in Lebanon by rating factors 

Insurance companies in Lebanon 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 Lebanon?

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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 Lebanon:

Cheap car insurance quotes in Lebanon 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 Lebanon 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. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$59
Seth, 38
Zip: 37088
Toyota Scion
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Travelers
$73
Vincent, 43
Zip: 37088
Mitsubishi Eclipse
• 50,000/100,000 Liability
coverageLast Updated May 27, 2024

Cheapest car insurance in Lebanon 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.
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Lula (36 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLebanon, TN
(Zip Code: 37087)
$64
per month
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Bernard (41 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLebanon, TN
(Zip Code: 37090)
$74
per month

Cheapest car insurance in Lebanon 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 Lebanon policyholders:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$171
Joshua, 36
Zip: 37090
Dodge Journey SE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$123
Jonathan, 35
Zip: 37087
Honda Pilot EXL
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$120
Dylan, 29
Zip: 37087
Chevrolet Camaro LT
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Allstate
$128
Chad, 35
Zip: 37090
Mitsubishi Lancer GTS
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 24, 2024

Cheapest car insurance in Lebanon 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 Lebanon.
Here’s a look at rates Lebanon drivers have found after various types of violations with help from Jerry:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$61
Bettie, 24
Zip: 37087
Honda Civic EX
• State Minimum Liability
Cell Phone
Trexis
$254
Caroline, 32
Zip: 37087
Jeep Grand Cherokee Limited
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Progressive
$61
Gerald, 24
Zip: 37087
Honda Civic EX
• State Minimum Liability
coverageLast Updated May 27, 2024

Cheap car insurance quotes in Lebanon 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 Lebanon 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.
card cover
Gainsco
Francisco (22 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
$283
per month
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Amanda (24 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
$82
per month
card cover
Louise (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLebanon, TN
(Zip Code: 37090)
carMazda MX-5 Miata Sport
$291
per month
card cover
William (22 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
$68
per month

Cheapest car insurance in Lebanon for senior drivers

Older drivers usually enjoy lower premiums, but senior drivers may see a rate increase in their mid-seventies thanks to slower reflexes and increased risk for injury. Fortunately, there are plenty of way to save:
card cover
Roxie (68 years old)
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37090)
$63
per month
card cover
Bess (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLebanon, TN
(Zip Code: 37087)
$69
per month

Cheap car insurance quotes in Lebanon based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Sophie (25 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLebanon, TN
(Zip Code: 37090)
carDodge RAM 1500 SLT
$359
per month
card cover
Nannie (40 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLebanon, TN
(Zip Code: 37087)
carCadillac Escalade ESV Luxury
$61
per month
card cover
Willie (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
$123
per month
card cover
Chad (35 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLebanon, TN
(Zip Code: 37090)
$128
per month
card cover
Floyd (22 years old)
Currently Insured
coverageCoverage
State Minimum
locationLebanon, TN
(Zip Code: 37087)
$68
per month

Cheap car insurance quotes in Lebanon for drivers with bad credit

While having poor credit doesn’t automatically mean you’re an unsafe driver, insurers have seen a correlation between
low credit scores
and an increased frequency of claims. That’s why drivers with bad credit tend to pay higher premiums than those with healthy credit ratings.
Generally, drivers with excellent credit (over 750) pay about 20% less for auto coverage than drivers with scores below 550.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Safeco
$87
Carolyn, 40
Zip: 37087
Ford F250 Super Duty
• 500,000/500,000 Liability
• Comp / Collision
660 - 750
Progressive
$133
Francisco, 29
Zip: 37087
Nissan Altima SR
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$133
Derek, 29
Zip: 37087
Nissan Altima SR
• State Minimum Liability
• Comp / Collision
550 - 659
National General
$68
Derrick, 22
Zip: 37087
Hyundai Elantra SE
• State Minimum Liability
< 550
Gainsco
$109
Alice, 41
Zip: 37087
Hyundai Sonata GLS
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 27, 2024

How to lower car insurance costs in Lebanon

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

What’s the average cost of car insurance in Tennessee?

The average cost of car insurance in Tennessee is $59 per month or $713 per year for minimum coverage insurance. If you decide on a full coverage policy, the cost averages $155 per month or $1,856 per year.

What’s the minimum car insurance in Tennessee?

The minimum car insurance in Tennessee is 25/50/25 liability insurance. In other words, you need $25,000 of bodily injury liability coverage (up to $50,000 per accident) and $25,000 of property damage liability coverage.

What’s the cheapest car insurance in Tennessee for seniors? 

Nationwide
and
Travelers
are Jerry customer’s top picks for the cheapest
car insurance in Tennessee for seniors
. They offer low-mileage, claims-free, and safe driver discounts, so you can rack up your savings on the coverage you need. 

What’s full coverage car insurance in Tennessee?

Full coverage car insurance in Tennessee includes the minimum required 25/50/25 liability coverage, plus collision and comprehensive coverage. You may choose whether you want collision or comprehensive insurance (a type of no-fault coverage that provides repairs or replacements to your car), but you can’t opt out of liability.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
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.