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How much is car insurance in Lebanon?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Lebanon are in line with rates across the rest of Tennessee.
When stacked up against the national average, the average monthly policy payment for Lebanon is more affordable. It's around $30 less to insure your vehicle compared to the average rate for the United States as a whole.
Bear in mind that while these rates represent the expected monthly payments for drivers in Lebanon, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 Lebanon so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Lebanon.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay a bit less than female drivers on their monthly auto coverage, the difference in Lebanon is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Lebanon with one accident will pay around $70 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $71.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$30|
|15 Years or Older||$46|
The most affordable vehicles to insure in Lebanon are typically SUVs, which run about $45 per month.
Truck and van drivers will see rates of about $49 for auto insurance, while car owners usually pay around $54 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are 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 Lebanon are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
On average, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Lebanon can be as much as $12 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$58|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $4 less than those who own their own home in Lebanon. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Lebanon, TN
Recent trends in car insurance for Lebanon drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Lebanon, car insurance rates rose from 2017-2018, before steadying out in 2019. Rates finished up in 2022, at $60 per month
How does Lebanon compare to neighboring areas?
Why are car insurance rates in Lebanon different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Rate of car accidents
- Amount of off-street parking
- Regional regulations
- Amount of drivers in the area
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Lebanon?
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.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Lebanon.
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Lebanon Insurance FAQs
What factors affect car insurance quotes in Lebanon?
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 Lebanon different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Lebanon?
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 Lebanon?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Lebanon or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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