Table of contents
How much is car insurance in Hendersonville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $14 a month more expensive to insure your vehicle in Hendersonville than it is in the rest of Tennessee.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Hendersonville is rather affordable. The average monthly payment for the United States as a whole is about $14 more expensive than in Hendersonville.
These may be the average auto insurance rates for Hendersonville, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Hendersonville so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Hendersonville drivers may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Hendersonville, male drivers pay about $12 more per month. As you can see in the table above, female drivers in the area typically pay $60 on average, while female drivers typically pay $72 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records can expect to pay less than those with infractions. In Hendersonville, a driving record with a single accident will usually get you a rate around $80 a month. Similarly, drivers with one ticket will typically pay around $184 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$78|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Hendersonville, with drivers paying around $59 per month to insure their vehicle.
Car owners will see a monthly rate of about $67, while SUV owners by and large pay around $66 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Hendersonville, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Overall, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Hendersonville can be as much as $31 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $30 a month more than drivers who own property in Hendersonville. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Hendersonville, TN
Recent trends in car insurance for Hendersonville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Hendersonville, the rates for car insurance rose from 2016-2018, when they hit a low of $48. This shifted in 2019, when car insurance rates started to rise. They reached a high of $84 in 2020, and finished down in 2021, at $51 per month.
How does Hendersonville compare to neighboring areas?
Why are car insurance rates in Hendersonville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Road Safety (how many accidents each locality has)
- Community laws
- Amount of drivers
- Crime rates
- Off-street parking accessibility
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Hendersonville?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Hendersonville.
Hendersonville Insurance FAQs
What factors affect car insurance quotes in Hendersonville?
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 year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hendersonville different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Hendersonville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Hendersonville?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Hendersonville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.