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How much is car insurance in Lenoir City?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Lenoir City are on par with what you would pay anywhere else in Tennessee.
Likewise, car insurance rates in Lenoir City are often favorable when viewed against the rest of the country. It's around $31 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that these are the average auto insurance rates for Lenoir City, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to 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.
We've done the heavy lifting for you and broken down the average rate for Lenoir City so that you can get a more accurate idea of what your monthly bill might be. 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|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Lenoir City.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Lenoir City, this difference shakes out to about $12 per month. As you can see in the chart above, car insurance for women in the area typically costs around $44 each month, while men pay $56 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Lenoir City, having a single accident on your record will usually get you rates around $57 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $42 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
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||$51|
In terms of affordable coverage, the cheapest vehicles to insure in Lenoir City are usually cars, at $44 per month.
SUV owners will see rates of about $66, while truck and van owners by and large pay around $48 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 about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Lenoir City are vehicles six-to-seven years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
The difference in rates based on relationship status in Lenoir City can be as much as $16 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||$51|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than those who own their own home in Lenoir City. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Lenoir City, TN
Recent trends in car insurance for Lenoir City 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.
The cost of car insurance in Lenoir City increased consistently from 2016-2020. It finished down in 2021, at $52.
How does Lenoir City compare to neighboring areas?
Why are car insurance rates in Lenoir City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (frequency of car accidents)
- Access to off-street parking
- Amount of drivers in the community
- Local regulations
- Crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Lenoir City?
Arming 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.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Lenoir City.
Lenoir City Insurance FAQs
What factors affect car insurance quotes in Lenoir City?
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 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 Lenoir City different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Lenoir City?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Lenoir City?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Lenoir City 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.