Goodlettsville, TN Car Insurance

What rates should residents of Goodlettsville expect to pay for their car insurance? How does Goodlettsville compare to the surrounding area and the rest of Tennessee? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Goodlettsville?

You can see in the chart above that it's around $5 a month more expensive to insure your vehicle in Goodlettsville than it is in the rest of Tennessee.

When stacked up against the national average, the average monthly policy payment for Goodlettsville is more affordable. You can expect to pay about $23 below the national average for auto insurance in Goodlettsville.

These rates may be the average amount Goodlettsville drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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 the bill you'll see each month.

Don't sweat it however, we've broken down the average rate for Goodlettsville residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates creep back up in Goodlettsville.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. While male drivers actually pay a bit less than female drivers on their monthly auto coverage, the difference in Goodlettsville is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Goodlettsville, drivers with one accident on their record will experience rates around $86 a month. In addition, drivers with a single ticket on their record can expect to pay around $53 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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

In Goodlettsville, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $48 per month for insurance.

Car owners can expect to pay an average of around $57 a month for their policy, while SUVs usually cost around $61 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Goodlettsville, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Overall, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

In Goodlettsville, the difference in rates based on relationship status can be as much as $18 a month.

Average Car Insurance Rates by Housing Situation

Your housing status is another factor that affects your monthly rate. Drivers who own property in Goodlettsville can expect to pay around $2 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

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 premiums.

Car Insurance Companies in Goodlettsville, TN

Recent trends in car insurance for Goodlettsville drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Goodlettsville, car insurance rates went up from 2016-2017, when they reached a high of $69. This shifted in 2018, when car insurance rates began to decrease. They hit a low of $49 in 2019, and finished at $53 in 2021.

How does Goodlettsville compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

• Area crime rates
• Number of drivers in the region
• Road Safety (frequency of local car accidents)
• Regional regulations
• Amount of off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Goodlettsville?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Goodlettsville.

Goodlettsville Insurance FAQs

What factors affect car insurance quotes in Goodlettsville?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Goodlettsville 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 Goodlettsville?

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 Goodlettsville?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Goodlettsville 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.