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How much is car insurance in Shelbyville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Shelbyville as it is in the rest of Tennessee.
When stacked up against the national average, the average monthly policy payment for Shelbyville is more affordable. On average, it's about $27 less to insure your vehicle in Shelbyville than it is in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Shelbyville residents, 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 policy's monthly price.
Don't sweat it however, we've broken down average rates for Shelbyville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Shelbyville.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Shelbyville, where male drivers pay about $4 more a month. Based on the chart above, you can see that female drivers pay around $52 on average, while male drivers typically pay $56 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Shelbyville with a single accident on their record will usually see rates around $85 a month. Likewise, drivers with one ticket will be looking at a rate of around $77 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$58|
According to the first table above, the cheapest vehicles to insure in Shelbyville are usually SUVs, at $49 per month.
Truck and van drivers will see rates of about $58, while the rates for car owners average out to about $54 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. 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)||$57|
Overall, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
In Shelbyville, the difference in rates based on relationship status can be as much as $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor that comes into play is your living situation. Renters can expect to pay around $2 a month less than those who own their own home in Shelbyville. Those who live with their parents, however, can expect to pay a lot more.
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 Shelbyville, TN
Recent trends in car insurance for Shelbyville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Policy premiums in Shelbyville have been mixed recently. They increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $84 in 2022.
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 coverage, car insurance companies will review a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Community regulations
- Total number of drivers in the community
- Road Safety (total number of local car accidents)
- Crime levels
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Shelbyville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Shelbyville.
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Shelbyville different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 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?
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?
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 Shelbyville 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.