Cordova, TN Car Insurance

How does Cordova compare to the surrounding area and the rest of Tennessee? How much can residents of Cordova expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

---

---

How much is car insurance in Cordova?

You can see in the chart above that it's around $14 a month more expensive to insure your vehicle in Cordova than it is in the rest of Tennessee.

If you're thinking of moving to Cordova from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $14 more expensive than the rates you'd pay in Cordova.

Although these are the average car insurance rates in Cordova, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Cordova so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

---

---

Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. In this case, 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. As you get closer to retirement, however, you may see your rates begin to go back up in Cordova.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. The difference in Cordova is around $13 a month. Based on the chart above, you can see that male drivers pay $73 on average, while female drivers typically pay $60 each month.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Cordova, having a single accident on your record will usually get you rates around $104 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $88.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Cordova are typically SUVs, at $55 per month.

Truck and van drivers will see rates of about $57, while the rates for car owners average out to about $72 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Cordova, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Cordova is no exception, with the difference totaling to around $8 a month.

Average Car Insurance Rates by Housing Situation

Your housing situation is another factor that affects your monthly rate. In Cordova, homeowners can expect to pay around $8 a month less than those who rent. 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 car insurance costs.

Car Insurance Companies in Cordova, TN

Recent trends in car insurance for Cordova drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Cordova, auto insurance rates dropped from 2017-2018, when they reached a low of $57, but began to increase from 2019-2020. Rates finished up in 2022, at $80.

How does Cordova compare to neighboring areas?

Why are car insurance rates in Cordova different from other areas?

There are a variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

• Road Safety (frequency of local car accidents)
• Prevalence of crime
• Laws
• Total amount of drivers in the community
• Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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 Cordova?

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 wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Cordova.

---

---

Cordova Insurance FAQs

What factors affect car insurance quotes in Cordova?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Cordova different from other neighboring cities?

Things like local laws, crime rates, and parking situations, 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 Cordova?

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 Cordova?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Cordova or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.