Crossville, TN Car Insurance

On average, drivers in Crossville pay around $40 per month for their car insurance. For more information refer to our guide below.
How do rates in Crossville measure up compared to neighboring areas, including Tennessee as a whole? How much can residents of Crossville expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Crossville?

Area Average Monthly Car Insurance Premium
Crossville$40
TN$52
United States$80

Based on the chart above, you can see that coverage in Crossville typically costs about $12 a month less than it does in the rest of Tennessee.

Compared to the rest of the country, auto insurance in Crossville is more affordable. The average monthly payment in Crossville is about $40 cheaper than the rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

We've broken down the average rates for Crossville to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$60
25-34$39
35-44$33
45-54$40
55-64$27
65+$34

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement in Crossville.

Average Car Insurance Rates by Gender

Gender Average
Male$42
Female$39

On average, female drivers pay slightly less than male drivers for car insurance. In Crossville, however, the difference in monthly policy premiums is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$45
Multiple Accidents$63
1 Ticket$45
Multiple Tickets$61

Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Crossville, a driving record with a single accident will usually get you a rate around $45 a month. Likewise, drivers with one ticket will be looking at a rate of around $45 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$33
2-3 Years$42
4-5 Years$35
6-7 Years$48
8-10 Years$41
11-14 Years$36
15 Years or Older$41

Across the board in Crossville, drivers pay about $40 per month for auto insurance regardless of their vehicle type.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Crossville, 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)$45
Married$32
Divorced$30
Widowed$38

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Crossville follows that pattern, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$37
Rent$43
Live with parents$47

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Crossville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Crossville, TN

Recent trends in car insurance for Crossville 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 Crossville, the rates for auto insurance dropped from 2016-2017, before leveling out in 2018. Car insurance rates increased again recently, reaching a high of $42 in 2021.

How does Crossville compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Total number of drivers in the region
  • Local regulations
  • Off-street parking access
  • Crime rates
  • Rate 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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Crossville?

While knowing 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.

Good news! Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Crossville.

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Crossville Insurance FAQs

What factors affect car insurance quotes in Crossville?

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 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 Crossville different from other neighboring cities?

Parking situations, crime rates, and local laws -- 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 Crossville?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Crossville?

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 Crossville 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.

Find your best rate in just a few minutes