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How much is car insurance in Antioch?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Antioch are about $7 a month more expensive than the rest of Tennessee.
When stacked up against the national average, the average monthly policy payment for Antioch is more affordable. Auto insurance coverage in Antioch is about $21 cheaper than it is for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Antioch, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Antioch to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $39 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Antioch drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Antioch is about $4 a month. Based on the chart above, you can see that female drivers pay around $57 on average, while male drivers typically pay $61 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay much less than those with infractions. In Antioch, a driving record with a single accident will usually get you a rate around $70 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $73.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$55|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Antioch, with drivers paying around $55 per month for auto insurance coverage.
Car owners will see a monthly bill of about $61, while SUV owners typically pay around $58 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Antioch, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Antioch is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $9 a month more than homeowners in Antioch. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Antioch, TN
Recent trends in car insurance for Antioch drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance in Antioch went up from 2017-2020, before leveling out in 2021. Insurance rates finished up in 2022, at $64 a month
How does Antioch compare to neighboring areas?
Why are car insurance rates in Antioch different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Community laws
- Local crime rates
- Road Safety (how many accidents each locality has)
- Off-street parking accessibility
- Total number of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Antioch?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Antioch.
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Antioch Insurance FAQs
What factors affect car insurance quotes in Antioch?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Antioch different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Antioch?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Antioch?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Antioch or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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