Table of contents
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.
Compared to the national average cost of auto insurance coverage, Cookeville has lower rates. The average monthly payment for the U.S. as a whole is about $33 more expensive than in Cookeville.
These rates may be the average amount residents of Cookeville pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rate for Cookeville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||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. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up once you hit retirement in Cookeville.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Cookeville, where women pay around $11 less per month than men. Based on the chart above, you can see that female drivers pay around $42 on average, while male drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Cookeville with one accident will pay around $59 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$41|
The most affordable vehicles to insure in Cookeville are usually trucks and vans, which run about $37 per month.
Car owners will see a monthly bill of about $50, while SUV owners typically pay around $44 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Cookeville, the most expensive vehicles to insure are vehicles two-to-three years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
In Cookeville, the difference in rates based on relationship status can be as much as $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
One other element taken into consideration is your housing situation. In Cookeville, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Cookeville, TN
Recent trends in car insurance for Cookeville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Cookeville, the rates for car insurance dropped from 2016-2017, when they reached a low of $38. This trend leveled out in 2018, when they began to increase, and have continued on that road through 2021, when car insurance rates hit a high of $76 per month.
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 an insurance policy, car insurance companies will evaluate numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking access
- Total number of drivers in the region
- Regional crime rates
- Road Safety (frequency of local car accidents)
- Community regulations
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Cookeville?
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.
But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Cookeville.
Cookeville Insurance FAQs
What factors affect car insurance quotes in Cookeville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Cookeville different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
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 Cookeville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?