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 the costs for coverage in La Vergne are in line with rates across the rest of Tennessee.
Compared to the rest of the country, auto insurance in La Vergne is more affordable. It's around $27 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers are the average rates for auto insurance in La Vergne, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for La Vergne to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in La Vergne.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in La Vergne totals about $13 per month. As you can see in the table above, female drivers in the area typically pay $45 on average, while female drivers typically pay $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In La Vergne, having a single accident on your record will usually get you rates around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $180 a month on average.
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
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$41|
If you look at the first table above, the cheapest vehicles to insure in La Vergne are by and large cars, at $48 per month.
SUV owners will see rates of about $73, while truck and van owners typically pay around $53 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In La Vergne, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for La Vergne as well, where the difference is around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in La Vergne. But if you live with your parents, you 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 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.
Car insurance rates in La Vergne had been increasing from 2016-2017 -- where they hit a high of $75 -- before steadying out in 2018. Policy premiums went up again in 2019, and finished down at $37 in 2021.
How does La Vergne compare to neighboring areas?
Why are car insurance rates in La Vergne different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking availability
- Local crime rates
- Local regulations
- Total number of drivers in the region
- Road Safety (frequency of local car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 La Vergne?
While getting familiar with 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.
But hold on! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing policies in La Vergne.
La Vergne Insurance FAQs
What factors affect car insurance quotes in La Vergne?
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 gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in La Vergne different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 La Vergne?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to La Vergne?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to La Vergne or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.