Best Cheap Auto Insurance in Loretto, TN (2021)

The average Loretto, TN auto insurance rates are $295 per month. The minimum auto insurance in Loretto is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Loretto, 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

  • Average auto insurance rates in Loretto, TN for senior drivers are $1,898 per year
  • The average commute length in Loretto is 30.4 minutes
  • The most expensive auto insurance company in Loretto for teen drivers is Liberty Mutual

Loretto, Tennessee auto insurance requirements are 25/50/15 according to Tennessee auto insurance laws. Finding cheap auto insurance in Loretto 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 Loretto, Tennessee, including driving record, credit, commute time, and more.

Compare auto insurance in Loretto to other Tennessee cities, including Franklin auto insurance rates, Knoxville auto insurance rates, and Memphis auto insurance rates to see how Loretto, Tennessee auto insurance rates stack up.

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

Minimum Auto Insurance in Loretto, Tennessee

Loretto, 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 Loretto, Tennessee.

Minimum Required Auto Insurance Coverage in Loretto, 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 Loretto, Tennessee Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Loretto, 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 Loretto, 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 $2,859 $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

Cheap Loretto, Tennessee Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Loretto, Tennessee

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

Cheap Loretto, Tennessee Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Loretto, Tennessee

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

Cheap Loretto, 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 Loretto, Tennessee compared to the annual auto insurance rates with a clean record in Loretto, Tennessee.

Annual Loretto, Tennessee Auto Insurance Rates by Driving Record

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

Cheap Loretto, Tennessee Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Loretto, Tennessee

Insurance Company Annual Auto 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

Cheap Loretto, Tennessee Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Loretto, Tennessee

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

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Cheap Loretto, Tennessee Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Loretto, Tennessee

ZIP Code Average Annual Rates
38469 $3,582

Cheap Loretto, Tennessee Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Loretto, Tennessee

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Loretto, Tennessee Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Loretto, Tennessee

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

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Best By Category: Cheapest Auto Insurance in Loretto, Tennessee

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

Best Annual Auto Insurance Rates by Company in Loretto, Tennessee

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

The Cheapest Loretto, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Loretto, Tennessee

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

What affects auto insurance rates in Loretto, Tennessee?

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

Loretto Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Loretto, Tennessee commute length is 30.4 minutes according to City-Data.

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Compare Loretto, Tennessee Auto Insurance Quotes

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