Best Cheap Auto Insurance in Lutts, TN (2021)

The average Lutts, TN auto insurance rates are $298 per month. The minimum auto insurance in Lutts is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Lutts, 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 Lutts is State Farm
  • The minimum auto insurance required in Lutts, Tennessee is 25/50/15
  • Average auto insurance rates in Lutts, TN for senior drivers are $1,923 per year

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

Compare auto insurance in Lutts to other Tennessee cities, including Clarksville auto insurance rates, Bartlett auto insurance rates, and Johnson City auto insurance rates to see how Lutts, Tennessee auto insurance rates stack up.

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

Minimum Auto Insurance in Lutts, Tennessee

Lutts, 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 Lutts, Tennessee.

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

Auto insurance rates in Lutts, 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 Lutts, 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 $2,838 $2,736 $2,540 $2,639 $10,358 $11,251 $3,051 $3,168
Farmers $1,881 $1,915 $1,690 $1,844 $7,422 $7,867 $2,535 $2,703
GEICO $2,227 $2,255 $2,060 $2,060 $6,452 $6,599 $2,243 $2,311
Liberty Mutual $3,633 $129 $2,980 $3,323 $14,706 $16,333 $3,908 $4,181
Nationwide $2,029 $2,050 $1,818 $1,853 $5,414 $7,005 $2,323 $2,533
Progressive $1,816 $1,723 $1,475 $1,540 $7,979 $8,997 $2,194 $2,406
State Farm $1,528 $1,528 $1,373 $1,373 $4,589 $5,745 $1,724 $2,003
Travelers $1,730 $1,823 $1,558 $1,660 $4,689 $5,767 $1,847 $1,945
USAA $1,567 $1,604 $1,408 $1,416 $5,437 $6,234 $2,047 $2,199

Cheap Lutts, Tennessee Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lutts, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,358 $11,251
Farmers $7,422 $7,867
GEICO $6,452 $6,599
Liberty Mutual $14,706 $16,333
Nationwide $5,414 $7,005
Progressive $7,979 $8,997
State Farm $4,589 $5,745
Travelers $4,689 $5,767
USAA $5,437 $6,234

Cheap Lutts, Tennessee Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lutts, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,540 $2,639
Farmers $1,690 $1,844
GEICO $2,060 $2,060
Liberty Mutual $2,980 $3,323
Nationwide $1,818 $1,853
Progressive $1,475 $1,540
State Farm $1,373 $1,373
Travelers $1,558 $1,660
USAA $1,408 $1,416

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

Annual Lutts, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,060 $4,825 $5,782 $4,623
Farmers $2,973 $3,680 $3,753 $3,522
GEICO $2,358 $3,186 $5,201 $2,358
Liberty Mutual $4,983 $7,182 $6,690 $5,742
Nationwide $2,704 $2,704 $4,070 $3,033
Progressive $3,099 $4,011 $3,300 $3,655
State Farm $2,268 $2,698 $2,483 $2,483
Travelers $2,136 $2,733 $3,015 $2,625
USAA $1,997 $2,976 $3,511 $2,472

Cheap Lutts, Tennessee Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lutts, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,782
Farmers $3,753
GEICO $5,201
Liberty Mutual $6,690
Nationwide $4,070
Progressive $3,300
State Farm $2,483
Travelers $3,015
USAA $3,511

Cheap Lutts, Tennessee Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lutts, Tennessee

Insurance Company Poor Fair Good
Allstate $6,160 $4,707 $3,600
Farmers $4,149 $3,236 $3,061
GEICO $3,725 $3,180 $2,922
Liberty Mutual $8,833 $5,397 $4,218
Nationwide $3,761 $2,980 $2,643
Progressive $3,968 $3,405 $3,176
State Farm $3,605 $2,163 $1,681
Travelers $3,354 $2,614 $1,914
USAA $3,987 $2,320 $1,910

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Cheap Lutts, Tennessee Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lutts, Tennessee

ZIP Code Average Annual Rates
38471 $3,618

Cheap Lutts, Tennessee Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lutts, Tennessee

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,823 $4,823
Farmers $3,482 $3,482
GEICO $3,261 $3,290
Liberty Mutual $6,149 $6,149
Nationwide $3,128 $3,128
Progressive $3,516 $3,516
State Farm $2,424 $2,542
Travelers $2,524 $2,730
USAA $2,660 $2,818

Cheap Lutts, Tennessee Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lutts, Tennessee

Insurance Company Low Medium High
Allstate $4,649 $4,811 $5,008
Farmers $3,305 $3,467 $3,674
GEICO $3,128 $3,270 $3,429
Liberty Mutual $5,907 $6,146 $6,394
Nationwide $3,154 $3,057 $3,173
Progressive $3,336 $3,514 $3,697
State Farm $2,350 $2,493 $2,605
Travelers $2,481 $2,625 $2,776
USAA $2,657 $2,730 $2,830

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Best By Category: Cheapest Auto Insurance in Lutts, Tennessee

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

Best Annual Auto Insurance Rates by Company in Lutts, 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 Lutts, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lutts, Tennessee

Insurance Company Average Annual Rates
Allstate $4,823
Farmers $3,482
GEICO $3,276
Liberty Mutual $6,149
Nationwide $3,128
Progressive $3,516
State Farm $2,483
Travelers $2,627
USAA $2,739

Compare Lutts, Tennessee Auto Insurance Quotes

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