Compare Loretto, TN Car Insurance Rates [2024]
Car insurance in Loretto, TN averages $295 a month. Loretto, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Loretto car insurance rates, compare quotes from the top car insurance companies in Loretto, TN.
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Tonya Sisler
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Insurance Content Team Lead
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Loretto is State Farm
- The cheapest car insurance company in Loretto for teen drivers is State Farm
- Average car insurance rates in Loretto, TN are $3,541/year
If you need to buy Loretto, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Loretto, TN is right here.
You’ll find Loretto car insurance rates, the cheapest Loretto, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Loretto, Tennessee car insurance rates to Memphis car insurance rates, Jackson car insurance rates, and Clarksville car insurance rates.
Ready to find affordable Loretto, TN car insurance today? Enter your ZIP code for fast, free Loretto car insurance quotes.
Cheapest Loretto, TN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Loretto, TN car insurance rates? Every Loretto, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,859 | $2,755 | $2,560 | $2,659 | $10,468 | $11,384 | $3,072 | $3,189 |
| Farmers | $1,881 | $1,915 | $1,690 | $1,844 | $7,422 | $7,867 | $2,535 | $2,703 |
| Geico | $2,253 | $2,279 | $2,082 | $2,082 | $6,611 | $6,752 | $2,274 | $2,344 |
| Liberty Mutual | $3,522 | $129 | $2,889 | $3,223 | $14,532 | $16,142 | $3,787 | $4,047 |
| Nationwide | $2,029 | $2,050 | $1,818 | $1,853 | $5,414 | $7,005 | $2,323 | $2,533 |
| Progressive | $1,700 | $1,608 | $1,381 | $1,445 | $7,535 | $8,485 | $2,050 | $2,243 |
| State Farm | $1,495 | $1,495 | $1,340 | $1,340 | $4,458 | $5,579 | $1,686 | $1,961 |
| Travelers | $1,678 | $1,766 | $1,515 | $1,613 | $4,588 | $5,640 | $1,789 | $1,884 |
| USAA | $1,567 | $1,604 | $1,408 | $1,416 | $5,437 | $6,234 | $2,047 | $2,199 |
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Minimum Car Insurance in Loretto, TN
Every driver must carry the minimum car insurance in Loretto, TN. Take a look at the Tennessee car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
Cheapest Loretto, TN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Loretto, TN. Compare credit history car insurance rates in Loretto from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,216 | $4,754 | $3,636 |
| Farmers | $4,149 | $3,236 | $3,061 |
| Geico | $3,789 | $3,238 | $2,976 |
| Liberty Mutual | $8,658 | $5,301 | $4,143 |
| Nationwide | $3,761 | $2,980 | $2,643 |
| Progressive | $3,726 | $3,203 | $2,989 |
| State Farm | $3,512 | $2,108 | $1,638 |
| Travelers | $3,262 | $2,550 | $1,866 |
| USAA | $3,987 | $2,320 | $1,910 |
Cheapest Loretto, TN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Loretto, TN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,097 | $4,871 | $5,839 | $4,667 |
| Farmers | $2,973 | $3,680 | $3,753 | $3,522 |
| Geico | $2,406 | $3,244 | $5,282 | $2,406 |
| Liberty Mutual | $4,885 | $7,054 | $6,566 | $5,631 |
| Nationwide | $2,704 | $2,704 | $4,070 | $3,033 |
| Progressive | $2,914 | $3,774 | $3,102 | $3,434 |
| State Farm | $2,212 | $2,627 | $2,419 | $2,419 |
| Travelers | $2,081 | $2,665 | $2,933 | $2,558 |
| USAA | $1,997 | $2,976 | $3,511 | $2,472 |
Cheapest Loretto, TN Car Insurance for Teen Drivers
Teen car insurance in Loretto, TN can be expensive. Take a look at rates from the top car insurance companies in Loretto for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,468 | $11,384 |
| Farmers | $7,422 | $7,867 |
| Geico | $6,611 | $6,752 |
| Liberty Mutual | $14,532 | $16,142 |
| Nationwide | $5,414 | $7,005 |
| Progressive | $7,535 | $8,485 |
| State Farm | $4,458 | $5,579 |
| Travelers | $4,588 | $5,640 |
| USAA | $5,437 | $6,234 |
Cheapest Loretto, TN Car Insurance for Seniors
Take a look at Loretto, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,560 | $2,659 |
| Farmers | $1,690 | $1,844 |
| Geico | $2,082 | $2,082 |
| Liberty Mutual | $2,889 | $3,223 |
| Nationwide | $1,818 | $1,853 |
| Progressive | $1,381 | $1,445 |
| State Farm | $1,340 | $1,340 |
| Travelers | $1,515 | $1,613 |
| USAA | $1,408 | $1,416 |
Cheapest Loretto, TN Car Insurance Rates After a DUI
A DUI in Loretto, TN increases car insurance rates. Compare Loretto, Tennessee DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,839 |
| Farmers | $3,753 |
| Geico | $5,282 |
| Liberty Mutual | $6,566 |
| Nationwide | $4,070 |
| Progressive | $3,102 |
| State Farm | $2,419 |
| Travelers | $2,933 |
| USAA | $3,511 |
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Cheapest Loretto, TN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Loretto, TN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,868 | $4,868 |
| Farmers | $3,482 | $3,482 |
| Geico | $3,318 | $3,351 |
| Liberty Mutual | $6,034 | $6,034 |
| Nationwide | $3,128 | $3,128 |
| Progressive | $3,306 | $3,306 |
| State Farm | $2,363 | $2,476 |
| Travelers | $2,459 | $2,659 |
| USAA | $2,660 | $2,818 |
The Best Cheap Car Insurance Companies in Loretto, TN
Take a look at a side-by-side comparison of the top car insurance companies in Loretto, TN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,868 |
| Farmers | $3,482 |
| Geico | $3,335 |
| Liberty Mutual | $6,034 |
| Nationwide | $3,128 |
| Progressive | $3,306 |
| State Farm | $2,419 |
| Travelers | $2,559 |
| USAA | $2,739 |
Category Winners: Cheapest Car Insurance in Loretto, Tennessee
Find the cheapest car insurance companies in Loretto, TN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
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Cheapest Loretto, TN Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Loretto car insurance rates. Find the cheapest Loretto, TN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,698 | $4,857 | $5,050 |
| Farmers | $3,305 | $3,467 | $3,674 |
| Geico | $3,196 | $3,328 | $3,480 |
| Liberty Mutual | $5,791 | $6,032 | $6,279 |
| Nationwide | $3,154 | $3,057 | $3,173 |
| Progressive | $3,126 | $3,305 | $3,488 |
| State Farm | $2,296 | $2,429 | $2,533 |
| Travelers | $2,421 | $2,557 | $2,699 |
| USAA | $2,657 | $2,730 | $2,830 |
What affects car insurance rates in Loretto, Tennessee?
What factors can have an impact on Loretto, TN car insurance? There are several reasons why Loretto car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Loretto, Tennessee.
Commute Time in Loretto
The more time you spend in your car the higher the risk of an accident. The average commute length in Loretto, TN is 30.4 minutes according to City-Data.
Compare Car Insurance Quotes in Loretto, TN
Ready to find affordable Loretto, Tennessee car insurance today? Enter your ZIP code for fast, free Loretto, TN car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What factors determine car insurance rates in Loretto, TN?
Several factors influence car insurance rates in Loretto, TN. The key factors include your driving history, age, gender, the type of vehicle you drive, your credit score, the coverage limits you choose, and the deductible amount you select. Additionally, factors specific to your location, such as local crime rates, population density, and accident statistics in Loretto, TN, can also impact insurance rates.
How can I compare car insurance rates in Loretto, TN?
To compare car insurance rates in Loretto, TN, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, driving history, and coverage preferences.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Loretto, TN.
- Request quotes: Contact different insurance companies or use online platforms to obtain quotes based on your information.
- Compare rates and coverage: Review the quotes received, considering both the premium amounts and the coverage options provided.
- Evaluate customer reviews and satisfaction ratings: Check customer feedback and ratings to gauge the quality of service provided by each insurer.
- Choose the best option: Select an insurance policy that offers the coverage you need at a competitive rate.
Are car insurance rates in Loretto, TN higher than average?
Car insurance rates in Loretto, TN can vary depending on several factors, including your individual circumstances and the insurance company you choose. While rates in Loretto may differ from the national or state average, it is essential to compare rates from multiple insurers to get an accurate understanding of the costs specific to your situation.
Can I lower my car insurance rates in Loretto, TN?
Yes, there are several ways you can potentially lower your car insurance rates in Loretto, TN:
- Maintain a clean driving record: Avoid accidents and traffic violations.
- Opt for a higher deductible: Choosing a higher deductible amount can lower your premium, but keep in mind that you’ll pay more out of pocket in the event of a claim.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, as many insurers offer discounts for multiple policies.
- Improve your credit score: A good credit score can help reduce insurance premiums.
- Explore discounts: Inquire about available discounts, such as safe driver discounts, multi-car discounts, or discounts for completing defensive driving courses.
Are there any specific car insurance requirements in Loretto, TN?
Yes, like all states in the U.S., Tennessee has specific car insurance requirements. In Loretto, TN, drivers must carry liability insurance coverage with the following minimum limits:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $15,000 for property damage per accident
How often should I compare car insurance rates in Loretto, TN?
It’s a good idea to compare car insurance rates in Loretto, TN at least once a year or whenever you experience a significant change in your circumstances, such as getting a new vehicle, moving to a different address, or experiencing changes in your credit score or driving record. Regularly reviewing your options can help ensure you’re getting the best coverage at the most competitive rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tonya Sisler
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Insurance Content Team Lead
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.