Best Cheap Auto Insurance in Bluff City, TN (2021)

The average Bluff City, TN auto insurance rates are $272 per month. The minimum auto insurance in Bluff City is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Bluff City, Tennessee, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Bluff City is State Farm
  • The average commute length in Bluff City is 30.2 minutes
  • Average auto insurance rates in Bluff City, TN for senior drivers are $1,725 per year

Bluff City, Tennessee auto insurance requirements are 25/50/15 according to Tennessee auto insurance laws. Finding cheap auto insurance in Bluff City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bluff City, Tennessee, including driving record, credit, commute time, and more.

Compare auto insurance in Bluff City to other Tennessee cities, including Bartlett auto insurance rates, Chattanooga auto insurance rates, and Memphis auto insurance rates to see how Bluff City, Tennessee auto insurance rates stack up.

Before you buy Bluff City, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bluff City, Tennessee auto insurance quotes.

Minimum Auto Insurance in Bluff City, Tennessee

Bluff City, Tennessee auto insurance laws require that you have at least the Tennessee minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bluff City, Tennessee.

Minimum Required Auto Insurance Coverage in Bluff City, Tennessee

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

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Cheap Bluff City, Tennessee Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Bluff City, Tennessee are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bluff City, Tennessee

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 $2,421 $2,323 $2,185 $2,267 $9,116 $9,926 $2,571 $2,657
Farmers $1,737 $1,770 $1,558 $1,725 $7,412 $7,950 $2,366 $2,461
GEICO $1,807 $1,824 $1,665 $1,665 $5,476 $5,573 $1,835 $1,892
Liberty Mutual $3,113 $129 $2,565 $2,866 $12,794 $14,218 $3,334 $3,550
Nationwide $1,964 $1,977 $1,766 $1,791 $5,372 $6,900 $2,253 $2,436
Progressive $1,719 $1,615 $1,401 $1,468 $7,870 $8,850 $2,070 $2,260
State Farm $1,391 $1,391 $1,260 $1,260 $4,307 $5,385 $1,573 $1,826
Travelers $1,670 $1,760 $1,504 $1,603 $4,489 $5,525 $1,782 $1,876
USAA $1,385 $1,406 $1,253 $1,251 $4,924 $5,654 $1,804 $1,915

Cheap Bluff City, Tennessee Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Bluff City, Tennessee is a challenge. Take a look at the annual teen auto insurance rates in Bluff City, Tennessee.

Annual Auto Insurance Rates for Teen Drivers in Bluff City, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,116 $9,926
Farmers $7,412 $7,950
GEICO $5,476 $5,573
Liberty Mutual $12,794 $14,218
Nationwide $5,372 $6,900
Progressive $7,870 $8,850
State Farm $4,307 $5,385
Travelers $4,489 $5,525
USAA $4,924 $5,654

Cheap Bluff City, Tennessee Auto Insurance for Seniors

What are senior auto insurance rates in Bluff City, Tennessee? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Bluff City, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,185 $2,267
Farmers $1,558 $1,725
GEICO $1,665 $1,665
Liberty Mutual $2,565 $2,866
Nationwide $1,766 $1,791
Progressive $1,401 $1,468
State Farm $1,260 $1,260
Travelers $1,504 $1,603
USAA $1,253 $1,251

Cheap Bluff City, Tennessee Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bluff City, Tennessee compared to the annual auto insurance rates with a clean record in Bluff City, Tennessee.

Annual Bluff City, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,501 $4,172 $5,052 $4,008
Farmers $2,889 $3,552 $3,658 $3,390
GEICO $1,977 $2,646 $4,270 $1,977
Liberty Mutual $4,315 $6,221 $5,784 $4,965
Nationwide $2,653 $2,653 $3,956 $2,967
Progressive $3,000 $3,901 $3,194 $3,531
State Farm $2,092 $2,506 $2,299 $2,299
Travelers $2,056 $2,627 $2,899 $2,523
USAA $1,784 $2,670 $3,130 $2,212

Cheap Bluff City, Tennessee Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Bluff City, Tennessee is not easy. Compare the annual rates for DUI auto insurance in Bluff City, Tennessee to find the best deal.

Annual Auto Insurance Rates After a DUI in Bluff City, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,052
Farmers $3,658
GEICO $4,270
Liberty Mutual $5,784
Nationwide $3,956
Progressive $3,194
State Farm $2,299
Travelers $2,899
USAA $3,130

Cheap Bluff City, Tennessee Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Bluff City, Tennessee annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Bluff City, Tennessee

Insurance Company Poor Fair Good
Allstate $5,327 $4,091 $3,132
Farmers $4,001 $3,143 $2,973
GEICO $3,084 $2,640 $2,428
Liberty Mutual $7,622 $4,679 $3,662
Nationwide $3,661 $2,918 $2,592
Progressive $3,822 $3,306 $3,092
State Farm $3,337 $2,004 $1,557
Travelers $3,226 $2,512 $1,841
USAA $3,542 $2,084 $1,722

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Cheap Bluff City, Tennessee Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Bluff City, Tennessee can vary. Compare the annual cost of auto insurance by ZIP code in Bluff City, Tennessee to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Bluff City, Tennessee

ZIP Code Average Annual Rates
37618 $3,318

Cheap Bluff City, Tennessee Auto Insurance Rates By Commute

Commute length and annual mileage affect Bluff City, Tennessee auto insurance. Find the cheapest annual Bluff City, Tennessee auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Bluff City, Tennessee

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,183 $4,183
Farmers $3,372 $3,372
GEICO $2,701 $2,734
Liberty Mutual $5,321 $5,321
Nationwide $3,057 $3,057
Progressive $3,407 $3,407
State Farm $2,244 $2,355
Travelers $2,427 $2,625
USAA $2,381 $2,517

Cheap Bluff City, Tennessee Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Bluff City, Tennessee? Check out the comparison of annual Bluff City, Tennessee auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bluff City, Tennessee

Insurance Company Low Medium High
Allstate $4,035 $4,173 $4,342
Farmers $3,149 $3,354 $3,614
GEICO $2,577 $2,711 $2,863
Liberty Mutual $5,078 $5,318 $5,567
Nationwide $3,067 $2,994 $3,110
Progressive $3,184 $3,407 $3,629
State Farm $2,159 $2,310 $2,428
Travelers $2,381 $2,524 $2,673
USAA $2,370 $2,441 $2,537

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Best By Category: Cheapest Auto Insurance in Bluff City, Tennessee

Compare the cheapest auto insurance companies in Bluff City, Tennessee in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Bluff City, Tennessee

Category Insurance Company
Teenagers State Farm
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Bluff City, Tennessee Auto Insurance Companies

What auto insurance companies in Bluff City, Tennessee are the cheapest? Compare the top Bluff City, Tennessee auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Bluff City, Tennessee

Insurance Company Average Annual Rates
Allstate $4,183
Farmers $3,372
GEICO $2,717
Liberty Mutual $5,321
Nationwide $3,057
Progressive $3,407
State Farm $2,299
Travelers $2,526
USAA $2,449

What affects auto insurance rates in Bluff City, Tennessee?

There are a lot of reasons why auto insurance rates in Bluff City, Tennessee are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bluff City, Tennessee. Many local factors may affect your Bluff City auto insurance rates.

Bluff City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bluff City, Tennessee commute length is 30.2 minutes according to City-Data.

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Compare Bluff City, Tennessee Auto Insurance Quotes

Before you buy Bluff City, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bluff City, Tennessee auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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