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How much is car insurance in Cookeville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $5 a month cheaper to insure your vehicle in Cookeville than it is in the rest of Tennessee.
If you're thinking of moving to Cookeville from out of state, you may still be in luck. The average monthly payment in Cookeville is about $33 less than the rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Cookeville, and that the rate you get could end up being something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Cookeville residents so that you can get a more accurate idea of what you might 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|
Generally, the older you are the more experienced you are behind the wheel, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates climb back up a bit in Cookeville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Cookeville, the difference is around $10 a month. Looking at the table above, you can see that female drivers pay around $43 on average, while male drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Cookeville with a single accident on their record is about $58 a month. Similarly, drivers with one ticket will typically pay around $64 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$43|
The most affordable vehicles to insure in Cookeville are usually trucks and vans, which run about $40 per month.
Car owners will see a monthly rate of about $51, while SUV owners by and large pay around $44 per month.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally 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 Cookeville, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Cookeville is about $15 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $5 a month more than homeowners in Cookeville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Cookeville, TN
Recent trends in car insurance for Cookeville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Cookeville, the rates for auto insurance increased steadily from 2017-2021. They finished down in 2022, at $56.
How does Cookeville compare to neighboring areas?
Why are car insurance rates in Cookeville different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local crime rates
- Regional laws
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Amount of drivers in the community
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Cookeville?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! 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 dozens of car insurance companies offering coverage in Cookeville.
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Cookeville Insurance FAQs
What factors affect car insurance quotes in Cookeville?
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 Cookeville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Cookeville?
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 Cookeville?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Cookeville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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