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How much is car insurance in Dickson?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Dickson is about $6 a month cheaper than it is for the rest of Tennessee.
Drivers relocating from out of state may enjoy some cost savings in Dickson. Car insurance rates for the United States as a whole are, on average, $34 more expensive than the rates you'd pay in Dickson.
While these are the average car insurance rates for Dickson, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've broken down the average rates for Dickson to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, 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|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may rise again in Dickson.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. Male and female drivers in Dickson, however, both pay the same monthly amount to insure their vehicle.
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 with clean records will pay lower rates than those with accidents or violations. Drivers in Dickson with a single accident on their record will usually see rates around $63 a month. Similarly, drivers with one ticket will typically pay around $57 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$49|
The cheapest vehicles to insure in Dickson are usually trucks and vans, with each type typically costing about $34 per month.
SUV drivers will see rates of about $51 for insurance coverage, while car owners typically pay around $49 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Dickson, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Dickson reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$54|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $8 less than drivers who own property in Dickson. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Dickson, TN
Recent trends in car insurance for Dickson drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Dickson, the rates for auto insurance had been decreasing from 2016-2018, before steadying out in 2019. Insurance rates finished up in 2021, at $48 a month
How does Dickson compare to neighboring areas?
Why are car insurance rates in Dickson different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Frequency of car accidents
- Regional laws
- Total amount of drivers in the community
- Availability of off-street parking
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Dickson?
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 will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Dickson.
Dickson Insurance FAQs
What factors affect car insurance quotes in Dickson?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Dickson different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Dickson?
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 Dickson?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Dickson or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.