Best Cheap Auto Insurance in Oak Ridge, TN (2021)

The average Oak Ridge, TN auto insurance rates are $305 per month. The minimum auto insurance in Oak Ridge is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Oak Ridge, 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 Oak Ridge, TN for senior drivers are $1,932 per year
  • The minimum auto insurance required in Oak Ridge, Tennessee is 25/50/15
  • The cheapest auto insurance company in Oak Ridge is USAA

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

Compare auto insurance in Oak Ridge to other Tennessee cities, including Franklin auto insurance rates, Clarksville auto insurance rates, and Jackson auto insurance rates to see how Oak Ridge, Tennessee auto insurance rates stack up.

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

Minimum Auto Insurance in Oak Ridge, Tennessee

Oak Ridge, 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 Oak Ridge, Tennessee.

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

Auto insurance rates in Oak Ridge, 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 Oak Ridge, 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 $2,833 $2,715 $2,546 $2,643 $10,729 $11,658 $3,015 $3,124
Farmers $1,736 $1,766 $1,556 $1,710 $7,204 $7,657 $2,351 $2,492
GEICO $2,083 $2,100 $1,916 $1,916 $6,405 $6,512 $2,121 $2,188
Liberty Mutual $3,628 $129 $2,992 $3,333 $14,821 $16,437 $3,886 $4,133
Nationwide $2,080 $2,100 $1,864 $1,897 $5,607 $7,245 $2,385 $2,596
Progressive $1,978 $1,859 $1,619 $1,688 $9,043 $10,171 $2,388 $2,605
State Farm $1,720 $1,720 $1,546 $1,546 $5,204 $6,508 $1,943 $2,263
Travelers $1,731 $1,820 $1,588 $1,688 $4,985 $6,214 $1,840 $1,935
USAA $1,508 $1,533 $1,363 $1,361 $5,395 $6,191 $1,969 $2,095

Cheap Oak Ridge, Tennessee Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oak Ridge, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,729 $11,658
Farmers $7,204 $7,657
GEICO $6,405 $6,512
Liberty Mutual $14,821 $16,437
Nationwide $5,607 $7,245
Progressive $9,043 $10,171
State Farm $5,204 $6,508
Travelers $4,985 $6,214
USAA $5,395 $6,191

Cheap Oak Ridge, Tennessee Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oak Ridge, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,546 $2,643
Farmers $1,556 $1,710
GEICO $1,916 $1,916
Liberty Mutual $2,992 $3,333
Nationwide $1,864 $1,897
Progressive $1,619 $1,688
State Farm $1,546 $1,546
Travelers $1,588 $1,688
USAA $1,363 $1,361

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

Annual Oak Ridge, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,099 $4,893 $5,940 $4,701
Farmers $2,826 $3,500 $3,583 $3,327
GEICO $2,298 $3,073 $4,952 $2,298
Liberty Mutual $4,994 $7,216 $6,713 $5,756
Nationwide $2,787 $2,787 $4,187 $3,126
Progressive $3,450 $4,490 $3,674 $4,062
State Farm $2,561 $3,051 $2,806 $2,806
Travelers $2,208 $2,842 $3,137 $2,714
USAA $1,946 $2,918 $3,429 $2,414

Cheap Oak Ridge, Tennessee Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oak Ridge, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,940
Farmers $3,583
GEICO $4,952
Liberty Mutual $6,713
Nationwide $4,187
Progressive $3,674
State Farm $2,806
Travelers $3,137
USAA $3,429

Cheap Oak Ridge, Tennessee Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oak Ridge, Tennessee

Insurance Company Poor Fair Good
Allstate $6,265 $4,796 $3,664
Farmers $3,931 $3,082 $2,915
GEICO $3,578 $3,066 $2,820
Liberty Mutual $8,845 $5,425 $4,240
Nationwide $3,874 $3,072 $2,719
Progressive $4,394 $3,802 $3,559
State Farm $4,077 $2,444 $1,898
Travelers $3,453 $2,733 $1,990
USAA $3,878 $2,275 $1,877

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Cheap Oak Ridge, Tennessee Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oak Ridge, Tennessee

ZIP Code Average Annual Rates
37830 $3,715

Cheap Oak Ridge, Tennessee Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oak Ridge, Tennessee

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,908 $4,908
Farmers $3,309 $3,309
GEICO $3,135 $3,176
Liberty Mutual $6,170 $6,170
Nationwide $3,222 $3,222
Progressive $3,919 $3,919
State Farm $2,740 $2,872
Travelers $2,618 $2,832
USAA $2,602 $2,752

Cheap Oak Ridge, Tennessee Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oak Ridge, Tennessee

Insurance Company Low Medium High
Allstate $4,742 $4,897 $5,086
Farmers $3,121 $3,293 $3,513
GEICO $2,995 $3,148 $3,322
Liberty Mutual $5,923 $6,168 $6,419
Nationwide $3,248 $3,150 $3,267
Progressive $3,670 $3,925 $4,161
State Farm $2,662 $2,818 $2,939
Travelers $2,558 $2,724 $2,894
USAA $2,592 $2,668 $2,771

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Best By Category: Cheapest Auto Insurance in Oak Ridge, Tennessee

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

Best Annual Auto Insurance Rates by Company in Oak Ridge, Tennessee

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

The Cheapest Oak Ridge, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oak Ridge, Tennessee

Insurance Company Average Annual Rates
Allstate $4,908
Farmers $3,309
GEICO $3,155
Liberty Mutual $6,170
Nationwide $3,222
Progressive $3,919
State Farm $2,806
Travelers $2,725
USAA $2,677

What affects auto insurance rates in Oak Ridge, Tennessee?

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

Oak Ridge Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oak Ridge, Tennessee commute length is 22.2 minutes according to City-Data.

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Compare Oak Ridge, Tennessee Auto Insurance Quotes

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