Auto Insurance In Columbia, Tn: How Much Does It Cost?

The cost of auto insurance in Columbia, Tennessee depends on a variety of factors, including age, gender, driving record, and credit score. Tennessee's state-required minimum liability auto protection costs an average of $36 per month, while full coverage car insurance averages $87 per month. The average cost of auto insurance in Columbia, Tennessee, specifically, is $118 per month for full coverage.

How much is auto insurance in Columbia, TN, for young drivers?

The cost of auto insurance for young drivers in Columbia, TN, will depend on several factors, including age, gender, driving record, and credit score. Here is an overview of the costs and factors to consider when purchasing auto insurance for young drivers in Columbia, TN:

Average Costs for Young Drivers in Tennessee

According to US News, the average annual rate for car insurance for a 25-year-old single female in Tennessee is $1,462, while it is $1,552 per year for a 25-year-old single male. Cheaper options are available from USAA and State Farm, with average annual rates of $1,045 and $1,127, respectively, for female drivers, and $1,078 and $1,307, respectively, for male drivers.

Costs for Teen Drivers in Tennessee

Car insurance rates for teen drivers are typically higher than for other age groups. In Tennessee, the average annual car insurance rate is $4,541 for 17-year-old female drivers and $5,397 for 17-year-old male drivers. For a 16-year-old male driver added to a family policy in Tennessee, the average annual premium is $2,301. If opting for an individual policy, the premium for a 16-year-old male jumps to $5,255.

Factors Affecting Car Insurance Rates in Tennessee

Several factors can influence the cost of car insurance in Tennessee, including:

• Driving Record: Maintaining a clean driving record is crucial, as traffic violations, accidents, and DUI/DWI offenses can significantly increase insurance premiums.
• Credit Score: Strong credit scores may result in more favorable rates, while lower credit scores can lead to higher premiums.
• Age and Gender: Younger drivers, especially males, often face higher rates due to their perceived higher risk.
• Vehicle Type: The make, model, and age of the vehicle can impact insurance rates. High-value or high-performance cars may command higher insurance costs.
• Location: Urban areas with higher traffic density and theft rates typically have increased insurance premiums compared to rural areas.
• Coverage Level: Opting for comprehensive and collision insurance will affect costs, with higher coverage levels leading to higher rates.
• Annual Mileage: Driving fewer miles may result in lower insurance rates, as there is a reduced risk of accidents.
• Marital Status: Married individuals often receive lower insurance quotes, as they are statistically seen as less risky than single drivers.

Tips for Saving on Car Insurance in Tennessee

To obtain more affordable car insurance in Columbia, TN, consider the following strategies:

• Compare rates from different insurance providers and choose the one that best suits your needs and budget.
• Maintain a clean driving record by practicing safe driving habits.
• Increase your deductible, but ensure you can afford the out-of-pocket expense in the event of an accident.
• Bundle your car insurance with other policies, such as homeowners or renters insurance, to take advantage of potential discounts.
• Ask about available discounts, such as those for good students or military personnel.
• Choose a cost-effective vehicle to insure, as some cars have lower insurance costs than others.
• Regularly review your coverage and adjust it as necessary to ensure you are not paying for unnecessary coverage.

How much is auto insurance in Columbia, TN, for drivers with a DUI?

The cost of auto insurance in Columbia, TN, for drivers with a DUI will vary depending on a range of factors. Firstly, the driver's insurance premiums will increase significantly following a DUI conviction, as insurers will now consider them a high-risk driver. The increase will depend on the driver's insurance company and their state, but on average, a driver with a DUI will pay around 65% more for car insurance. In Tennessee, the average cost of car insurance is $1,311 per year, so drivers with a DUI can expect to pay around $2,169 per year for insurance.

There are a number of insurance companies that offer cheaper rates for drivers with a DUI. These include:

• USAA
• Progressive
• State Farm
• Farmers Mutual of Nebraska
• Auto-Owners
• American Family

However, it's important to note that not all insurance companies will offer coverage to drivers with a DUI, and some may refuse to renew a policy following a conviction. It's also worth noting that USAA insurance is only available to military members, veterans, and their families.

To find the best rate, drivers should shop around and compare quotes from multiple insurance companies. They should also be sure to ask about any discounts they may be eligible for, such as bundling home and auto policies or taking a defensive driving course. Additionally, drivers with a DUI may be required to file an SR-22 form, which proves they have the required minimum insurance coverage. Not all insurance companies offer this, so drivers may need to switch to a new company if their current insurer doesn't provide SR-22s.

How much is auto insurance in Columbia, TN, for drivers with a speeding ticket?

The cost of auto insurance in Columbia, TN, for drivers with a speeding ticket will depend on a few factors, including the driver's age, gender, insurance coverage, and the number of speeding tickets they have.

In Tennessee, drivers with a speeding ticket can expect their auto insurance costs to rise by about 18%. As of 2020, the average annual cost of car insurance in Tennessee was $854, so drivers with a speeding ticket can expect to pay around $1,008 per year for car insurance. This is still cheaper than the national average of $1,047 per year.

The cost of a speeding ticket in Tennessee also depends on how many miles per hour (mph) the driver was going over the speed limit. For example, speeding 1-14 mph over the limit will result in a fine of $111.50 and three points on the driver's license, while speeding 25+ mph over the limit will result in a fine of $146.50 and five to eight points on the license.

After receiving a speeding ticket, drivers may be able to lower their insurance premiums by taking a traffic school course, getting minimum coverage, improving their credit score, or raising their deductible.

It's important to note that insurance companies in Tennessee may also consider other factors when determining insurance rates, such as ZIP code, credit score, sex, and marital status.

How much is auto insurance in Columbia, TN, for drivers with an at-fault accident?

The cost of car insurance in Tennessee depends on several factors, such as age, location, vehicle type, driving record, and credit score. The average annual rate for car insurance in the state is $1,264, with a monthly cost of around $104 for full coverage. Tennessee is an at-fault state, meaning the driver deemed responsible for the accident will have to pay for the damages.

For drivers with an at-fault accident in Columbia, TN, the cost of auto insurance will likely be higher than the state average. An at-fault accident can increase insurance rates by up to 36%. The exact increase will depend on factors such as the driver's age, insurance company, and driving record.

In Tennessee, the average annual cost of full coverage car insurance is $1,041, or $87 per month. For minimum coverage, the average annual cost is $419, or $35 per month. These rates may be higher for drivers with an at-fault accident on their record.

To get the most accurate estimate for auto insurance in Columbia, TN, for drivers with an at-fault accident, it is recommended to compare quotes from multiple insurance companies.

Additionally, drivers with an at-fault accident may want to consider the following ways to save on car insurance:

• Maintaining a clean driving record after the accident.
• Increasing the deductible to lower the monthly premium.
• Bundling car insurance with other policies, such as homeowners or renters insurance.
• Taking advantage of discounts offered by insurance companies, such as good student discounts or discounts for military personnel.

How much is auto insurance in Columbia, TN, for drivers with poor credit?

The cost of auto insurance in Columbia, TN, depends on a variety of factors, including age, location, vehicle type, driving history, and credit score. Tennessee Farmers offers the cheapest car insurance premiums for drivers with poor credit, averaging $1,419 annually. This is far less than the statewide average of $2,285 per year. State Farm, on the other hand, is the most expensive with an average annual premium of $3,311 for drivers with poor credit.

The average cost of auto insurance in Tennessee is $1,264 per year, or $105 per month, for full coverage. The cost of minimum coverage is $419 per year, or $35 per month. In Columbia, the cost of auto insurance will vary depending on the specific location within the city, but it is likely to be similar to or slightly higher than the statewide average due to population density and traffic congestion.

To find the cheapest auto insurance in Columbia, TN, for drivers with poor credit, it is recommended to compare rates from multiple insurance companies, as prices can vary significantly between providers. Tennessee Farmers and State Farm are likely to be among the most affordable options, but it is worth getting quotes from other companies such as USAA, Auto-Owners, Erie, and Geico to find the best rate.

Frequently asked questions