Table of contents
How much is car insurance in La Vergne?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in La Vergne are in line with rates across the rest of Tennessee.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in La Vergne is rather affordable. The average monthly payment in La Vergne is about $26 cheaper than the rate for the rest of the United States.
Although these are the average car insurance rates in La Vergne, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
But worry not, we've done the heavy lifting and broken down the average rate for La Vergne to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $46 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in La Vergne may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In La Vergne, the difference comes out to about $15 per month. As you can see in the chart above, car insurance for women in the area typically costs around $46 each month, while men pay $61 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In La Vergne, having a single accident on your record will usually get you rates around $69 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $110.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$43|
In La Vergne, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $47 per month for insurance.
Car owners can expect to pay an average of around $52 a month for their policy, while SUVs usually cost around $71 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most 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 La Vergne are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. La Vergne is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
Another factor that comes into play is your housing situation. The average rates for both homeowners and renters in La Vergne are around $50 per month.
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 overall costs.
Car Insurance Companies in La Vergne, TN
Recent trends in car insurance for La Vergne drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Auto insurance rates in La Vergne decreased from 2017-2018, when they hit a low of $46. This changed in 2019, when they began to rise again. Rates finished down in 2022, at $50 a month
How does La Vergne compare to neighboring areas?
Why are car insurance rates in La Vergne different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Area crime rates
- Total drivers
- Off-street parking accessibility
- Frequency of car accidents
- Regional regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge 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 La Vergne?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in La Vergne.
La Vergne Insurance FAQs
What factors affect car insurance quotes in La Vergne?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in La Vergne different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in La Vergne?
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 La Vergne?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to La Vergne 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.