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How much is car insurance in Clinton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Clinton are slightly more expensive than the rest of Tennessee.
Compared to the national average cost of auto insurance coverage, Clinton has lower rates. It's about $27 cheaper to insure your vehicle in Clinton compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Clinton, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Clinton so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $44 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Clinton may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Clinton, the difference comes out to about $13 per month. Based on the chart above, you can see that female drivers pay around $47 on average, while male drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Clinton, having a single accident on your record will usually get you rates around $45 a month. In addition, drivers with a single ticket on their record can expect to pay around $96 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$53|
If you look at the first table above, the cheapest vehicles to insure in Clinton are usually trucks and vans, at $43 per month.
SUV drivers will see rates of about $44, while the rates for car owners average out to about $61 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Clinton, 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)||$56|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Clinton is no exception, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 less than homeowners in Clinton. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Clinton, TN
Recent trends in car insurance for Clinton drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Clinton, the rates for car insurance had been decreasing from 2016-2018, when they hit a low of $42. This leveled out in 2019, when rates started to rise. This pattern has continued through the present, where rates recently reached $56.
How does Clinton compare to neighboring areas?
Why are car insurance rates in Clinton different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Number of drivers in the community
- Local crime rates
- Community laws
- Access to off-street parking
- Frequency of car accidents
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Clinton?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Clinton.
Clinton Insurance FAQs
What factors affect car insurance quotes in Clinton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Clinton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Clinton?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Clinton?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Clinton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?