Hermitage, TN Car Insurance

What rates can residents of Hermitage expect to pay for their car insurance? How does Hermitage stack up to the rest of the area, or even Tennessee as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Hermitage?

Car insurance policies in Hermitage are about $4 a month more expensive than the rest of Tennessee.

Conversely, the expected monthly payments for an auto insurance policy in Hermitage are below the national average. The average monthly payment in Hermitage is about $24 less than the rate for the rest of the U.S.

These rates may be the average amount drivers in Hermitage pay for their insurance policy, 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. 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 premium.

We've analyzed the average rate for Hermitage and broken down the different factors to help you understand what your policy's monthly premium will be. 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

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up in Hermitage.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. In Hermitage, although men do pay slightly less on their monthly auto insurance coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay much less than those with infractions. In Hermitage, drivers with one accident on their record will experience rates around $73 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $92.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Hermitage are by and large SUVs, at $49 per month.

Car owners can expect to pay an average of around $61 a month for their policy, while truck and van drivers are usually around $50 to insure each month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Hermitage are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Overall, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Hermitage is about $22 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $15 a month more than homeowners in Hermitage. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Hermitage, TN

Recent trends in car insurance for Hermitage drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Auto insurance rates in Hermitage went up from 2019-2020, before leveling out in 2021. They finished up in 2022, at $69 a month

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 number of factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

• Availability of off-street parking
• Number of car accidents
• Crime rates
• Local regulations
• Total amount of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Hermitage?

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

Don't worry, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Hermitage in no time.

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Hermitage Insurance FAQs

What factors affect car insurance quotes in Hermitage?

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 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 Hermitage different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Hermitage?

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 Hermitage?

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. 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?