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How much is car insurance in Dyersburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in Dyersburg than it is in the rest of Tennessee.
Similarly, car insurance rates in Dyersburg are more affordable than the national average. On average, it's about $38 less to insure your vehicle in Dyersburg than it is in the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down average rates for Dyersburg residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Dyersburg drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Dyersburg is about $4 a month. As illustrated in the table above, male drivers in the area pay about $46 on average, while female drivers pay around $42 each month.
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. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Dyersburg, a driving record with a single accident will usually get you a rate around $51 a month. Likewise, drivers with one ticket will be looking at a rate of around $30 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$43|
|15 Years or Older||$41|
In Dyersburg, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $41 per month for insurance.
Car owners, on the other hand, by and large pay around $44 per month, while SUV drivers can expect to pay about $45 a month for auto insurance.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. In Dyersburg, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Generally speaking, married policyholders 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 Dyersburg reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
Your living situation is another factor that affects your monthly rate. The average rates for both homeowners and renters in Dyersburg are around $42 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Dyersburg, TN
Recent trends in car insurance for Dyersburg drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
Car insurance rates in Dyersburg have been mixed recently. They decreased in 2017, increased in 2019, and dropped again in 2021, before finishing at $37 in 2022.
How does Dyersburg compare to neighboring areas?
Why are car insurance rates in Dyersburg different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Crime rates
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
- Regional regulations
- Total number of drivers in the region
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. 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 Dyersburg?
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.
Fortunately, Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering policies in Dyersburg.
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Dyersburg Insurance FAQs
What factors affect car insurance quotes in Dyersburg?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Dyersburg 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 Dyersburg?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Dyersburg?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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, 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.
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