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How much is car insurance in Lenoir City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Lenoir City typically costs about $5 a month less than it does in the rest of Tennessee.
Likewise, car insurance rates in Lenoir City are more affordable than the national average. The average monthly payment in Lenoir City is about $33 less than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Lenoir City, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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 payment amount.
We've broken down the average rates for Lenoir City to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up in Lenoir City.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Lenoir City, this difference shakes out to about $8 per month. As illustrated in the table above, male drivers in the area pay about $53 on average, while female drivers pay around $45 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Lenoir City with a single accident will pay around $56 a month. In addition, drivers with one ticket can expect to pay around $54 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$50|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Lenoir City, with drivers paying around $43 per month for auto insurance.
Car owners can expect to pay an average of around $46 a month for their policy, while SUVs usually cost around $58 a month to insure.
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. In Lenoir City, vehicles eight-to-ten years old and fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Lenoir City can be as much as $15 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$52|
Another factor that comes into play is your living accommodations. In Lenoir City, homeowners can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Lenoir City, TN
Recent trends in car insurance for Lenoir City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of car insurance in Lenoir City had been increasing from 2017-2020, before steadying out in 2021. Insurance rates finished up in 2022, at $51 a month
How does Lenoir City compare to neighboring areas?
Why are car insurance rates in Lenoir City different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Area regulations
- Frequency of car accidents
- Local crime rates
- Amount of off-street parking
- Number of drivers in the community
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Lenoir City?
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.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Lenoir City.
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Lenoir City Insurance FAQs
What factors affect car insurance quotes in Lenoir City?
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, driving record, address, and marital status.
Why is the cost of car insurance in Lenoir City different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Lenoir City?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lenoir City?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lenoir City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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