Table of contents
How much is car insurance in Dyersburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Dyersburg typically costs about $8 a month less than it does in the rest of Tennessee.
Similarly, when compared to the national average, the cost for auto insurance in Dyersburg is lower. On average, it's about $36 less to insure your vehicle in Dyersburg than it is in the rest of the U.S.
Bear in mind that while these rates are the average costs for Dyersburg residents, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've broken down average rates for Dyersburg to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply 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? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $24 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Dyersburg.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Dyersburg, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Dyersburg, a driving record with one accident will usually get you a rate around $51 a month. Similarly, drivers with one ticket will typically pay around $48 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||Not Enough Data|
|15 Years or Older||$42|
According to the first table above, the cheapest vehicles to insure in Dyersburg are usually cars, trucks, and vans, at $43 per month.
The premium for SUV owners, on the other hand, is closer to $45 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Dyersburg are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$46|
More often than not, married policyholders will pay slightly less for car insurance. 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 Dyersburg can be as much as $8 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Dyersburg, expect to pay around $2 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.
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 Dyersburg, TN
Recent trends in car insurance for Dyersburg drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Dyersburg, car insurance rates rose from 2016-2017, before leveling out in 2018. Rates went up again, reaching a high of $52 in 2020, and finished down at $45 in 2021.
How does Dyersburg compare to neighboring areas?
Why are car insurance rates in Dyersburg different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Number of car accidents
- Number of drivers in the region
- Community regulations
- Area crime rates
- Off-street parking availability
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Dyersburg?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Dyersburg in no time.
Dyersburg Insurance FAQs
What factors affect car insurance quotes in Dyersburg?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Dyersburg different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Dyersburg?
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 Dyersburg?
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?
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 Dyersburg 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.