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How much is car insurance in Shelbyville?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Shelbyville are about the same as the rest of Tennessee.
Compared to the national average cost of auto insurance coverage, Shelbyville has lower rates. The average monthly payment in Shelbyville is about $28 less than the rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Shelbyville, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Shelbyville and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Shelbyville may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in Shelbyville is only about $2 a 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. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Shelbyville, a driving record with a single accident will usually get you a rate around $93 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $124.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$55|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Shelbyville, with drivers paying around $48 per month for insurance.
Truck and van drivers will see rates of about $62, while the rates for car owners average out to about $51 per month.
You can also expect to see slightly different rates depending on your vehicle's age. 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 Shelbyville, the most expensive vehicles to insure are vehicles eight-to-ten years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Shelbyville.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
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 $4 a month more than if you own your own home in Shelbyville. 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 premiums.
Car Insurance Companies in Shelbyville, TN
Recent trends in car insurance for Shelbyville 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 Shelbyville, auto insurance rates went up from 2016-2018, but began to decrease from 2019-2020, when they reached a low of $45. Car insurance rates finished up in 2021, at $77 a month.
How does Shelbyville compare to neighboring areas?
Why are car insurance rates in Shelbyville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Total amount of drivers in the area
- Local laws
- Prevalence of crime
- Amount of off-street parking
- General road safety (how many accidents each locality has)
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. 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 Shelbyville?
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.
Luckily, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Shelbyville in no time.
Shelbyville Insurance FAQs
What factors affect car insurance quotes in Shelbyville?
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 age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Shelbyville different from other neighboring cities?
Things like crime rates, local laws, 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 Shelbyville?
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 Shelbyville?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Shelbyville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?