Table of contents
How much is car insurance in Mount Juliet?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Tennessee are about $6 a month cheaper than the rates drivers pay in Mount Juliet.
Compared to the national average cost of auto insurance coverage, Mount Juliet has lower rates. Auto insurance coverage in Mount Juliet is about $22 cheaper than it is for the rest of the United States.
While these numbers are the average rates for auto insurance in Mount Juliet, that doesn't mean it'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. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Mount Juliet to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just 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. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Mount Juliet drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Mount Juliet totals about $5 per month. Looking at the table above, you can see that female drivers pay around $55 on average, while male drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Mount Juliet, a driving record with one accident will usually get you a rate around $98 a month. Likewise, drivers with one ticket will be looking at a rate of around $111 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$62|
If you look at the first table above, the cheapest vehicles to insure in Mount Juliet are typically SUVs, trucks, and vans, at $53 per month.
The premium for car owners, however, is about $60 per month.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Mount Juliet, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Mount Juliet is no exception, with the difference totaling to around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor that comes into play is your housing situation. Those who own their own home in Mount Juliet can expect to pay around $17 a month less than those who rent. 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 overall costs, depending on your insurance company.
Car Insurance Companies in Mount Juliet, TN
Recent trends in car insurance for Mount Juliet 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.
In Mount Juliet, car insurance rates declined from 2016-2017, when they hit a low of $52. This pattern shifted in 2018, when they began to rise, and have continued on that path through 2021, when rates reached a high of $66 a month.
How does Mount Juliet compare to neighboring areas?
Why are car insurance rates in Mount Juliet different from other areas?
There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Local laws
- Road safety
- Amount of drivers
- Local crime rates
- Access to off-street parking
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. 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 Mount Juliet?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Mount Juliet.
Mount Juliet Insurance FAQs
What factors affect car insurance quotes in Mount Juliet?
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, marital status, and address.
Why is the cost of car insurance in Mount Juliet different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Mount Juliet?
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 Mount Juliet?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Mount Juliet 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.