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How much is car insurance in Hermitage?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Hermitage are about $4 a month more expensive than the rest of Tennessee.
If you're thinking of moving to Hermitage from out of state, you may still be in luck. It's about $24 cheaper to insure your vehicle in Hermitage compared to the average rate for the U.S. as a whole.
These may be the average auto insurance rates for Hermitage, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Hermitage so that you can get a more accurate idea of what your policy will cost you. 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
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $40 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Hermitage may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Hermitage is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Hermitage with a single accident will pay around $70 a month. Likewise, drivers with one ticket will be looking at a rate of around $66 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$61|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Hermitage, with drivers paying around $45 per month for insurance.
SUV drivers will see rates of about $51, while the rates for car owners average out to about $59 per month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Hermitage are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Hermitage reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $12 a month more than homeowners in Hermitage. 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 Hermitage, TN
Recent trends in car insurance for Hermitage drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
Car insurance rates in Hermitage dropped from 2016-2017, before increasing from 2019-2020. They finished down in 2021 at $53.
How does Hermitage compare to neighboring areas?
Why are car insurance rates in Hermitage different from other areas?
Car insurance companies will take into account a lot of factors when deciding how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Prevalence of crime
- Community regulations
- Off-street parking accessibility
- Road Safety (frequency of local car accidents)
- Total number of drivers in the community
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Hermitage?
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 does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Hermitage.
Hermitage Insurance FAQs
What factors affect car insurance quotes in Hermitage?
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 Hermitage 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 Hermitage?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Hermitage?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Hermitage or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?