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Looking for auto insurance quotes in Goodlettsville, Tennessee? Prices can range wildly from one insurance company to the next from factors such as:

  • Driving history
  • Vehicle type
  • Age and other demographics
  • Credit score

If you do your research to determine which companies will give you the best auto insurance rates, you will see the benefits of those savings over the next year. To help in your search, we’ve compiled an extensive list of the best auto insurance quotes in Goodlettsville, TN.

Auto Insurance Quotes in Goodlettsville, TN by Insurer

One way to compare auto insurance quotes in Goodlettsville, Tennessee, is by arranging a list of local insurers and comparing their rates. It’s also helpful to understand your area’s minimum car insurance coverage, including liability insurance.

Minimum Coverage for Car Insurance Goodlettsville

There are minimum car insurance requirements in Goodlettsville and the rest of Tennessee that must include coverage for the following incidents:

Insurance IncidentPer Person or Per AccidentMinimum Insured
Bodily Injury LiabilityPer Person$25,000
Bodily Injury LiabilityPer Accident$50,000
Property Damage LiabilityPer Accident$15,000
Uninsured Motorist LiabilityPer Person$25,000
Uninsured Motorist LiabilityPer Accident$50,000
Uninsured Motorist Property DamagePer Accident$15,000

According to BankRate.com, in Tennessee, the average auto insurance costs $371 per year for a minimum coverage policy and $1,338 for a full coverage policy. This translates into monthly costs of approximately $40 and $111, respectively.

Although a minimum coverage policy may be tempting, obtaining above-minimum car insurance may save you money, time, and energy over the long term. Other options you may consider adding include uninsured, collision, and comprehensive motorist coverage.

Top Companies for Auto Insurance in Goodlettsville, TN

According to Value Penguin, the average Tennessean pays $514 per year in car insurance.

If you’re looking for the cheapest car insurance in Goodlettsville and are military or ex-military, you’ll want to consider USAA auto insurance, costing $312 per year.

Cheapest Car Insurance in Goodlettsville, TN

Here are the cheapest minimum-coverage car insurance companies for Tennesseans in Goodlettsville to consider, along with their lowest annual and monthly prices, as published by Value Penguin:

  • USAA Insurance Group — $312 ($26 per month)*
  • State Farm Car Insurance — $314 ($26 per month)
  • Geico Insurance Group — $382 ($32 per month)
  • Farmers Auto Insurance Quotes— $394 ($33 per month)
  • Erie Insurance — $503 ($42 per month)
  • Progressive Auto Insurance Quotes — $579 ($48 per month)
  • Allstate Car Insurance — $724 ($60 per month)
  • Nationwide Insurance — $902 ($75 per month)

And the least expensive full coverage auto insurance companies for Tennesseans in Goodlettsville to peruse, along with their annual and monthly rates:

  • USAA Insurance Group — $871 ($73 per month)*
  • State Farm Car Insurance — $911 ($76 per month)
  • Geico Insurance Group — $1,330 ($111 per month)
  • Erie Insurance — $1,490 ($124 per month)
  • Farmers Auto Insurance Quotes — $1,644 ($137 per month)
  • Progressive Auto Insurance Quotes — $1,734 ($145 per month)
  • Allstate Car Insurance — $2,059 ($186 per month)
  • Nationwide Car Insurance — $2,235 ($186 per month)

* USAA is only offered to current and former military and their immediate families.

Additionally, here are some other auto insurance groups in Goodlettsville, TN, that may be worth asking for quotes before you make your final decision:

Premiums by Driver’s Age Insurance Group Goodlettsville, TN

Young drivers typically pay a much higher insurance rate than older drivers, particularly if they’re insured alone, not alongside a parent. Young drivers between the ages of 16 and 19 tend to have the highest insurance rates of all the age groups.

Young Tennesseans pay insurance rates on par with the national average for their age group. However, they still pay more than three times the national average for their auto insurance.

The chart below, published by The Zebra outlines the annual and monthly rates Tennessean drivers can expect to pay, with and without their parents:

Age Annual Rate with ParentMonthly Rate with ParentAnnual Rate AloneMonthly Rate Alone
16$4,454$371$7,926$661
17$4,153$346$5,945$495
18$3,832$319$4,948$412
19$3,457$288$3,215$268

If Tennessean teen drivers have the option to sign on to an auto insurance policy with their parents, some may save thousands of dollars per year.

For other ages, the rates rend to drop every decade until the driver reaches their 70s:

AgeAnnual RateMonthly Rate
20s$2,421$202
30s$1,758$147
40s$1,594$133
50s$1,497$125
60s$1,496$125
70s$1,771$148

Goodlettsville, TN Car Insurance Rates For Teens With a Driving Ticket

If you’re a teenager with a speeding ticket, your rates will increase significantly. If you’re looking for the lowest minimum coverage in Tennessee, you will want to consider State Farm auto insurance. State Farm comes in 42% below the TN average and costs only $1,202 per year.

Consider the Value Penguin data below to see how State Farm’s minimum coverage compares to other insurance companies in Goodlettsville, TN:

Auto Insurance Company (minimum coverage)Monthly RateAnnual Rate
USAA car insurance*$88$1,059
State Farm car insurance$100$1,202
Farmers car insurance$109$1,313
Erie car insurance$117$1,403
Geico car insurance$140$1,681
Allstate car insurance$235$2,816
Progressive car insurance$275$3,296
Nationwide car insurance$307$3,688

*USAA can only be used by current and ex-military members and their families.

Luckily for young drivers, the increase in auto insurance rates isn’t quite as dramatic as some of the other incidents we discuss. Value Penguin states that Tennessee teens can expect their insurance rates to go up by 6% after a speeding incident.

It’s worth noting that Farmers and Geico insurance companies don’t increase the rates for teens after their first speeding ticket.

Goodlettsville, TN Car Insurance Rates For Teens With an Accident

If you’re a teenager who’s had a recent at-fault accident, Value Penguin says you should expect your annual rates to increase by roughly 13%.

They also state that you can expect to pay only $1,322 per year for minimum coverage if you’re with State Farm. This is roughly $866 less than the Tennessee state average.

Consider the chart below to compare minimum coverage auto insurance that would be true for Goodlettsville:

Auto Insurance Company (minimum coverageMonthly RateAnnual Rate
USAA teen auto insurance*$97$1,164
State Farm teen auto insurance$110$1,322
Farmers teen auto insurance$121$1,457
Erie teen auto insurance$129$1,542
Geico teen auto insurance$147$1,768
Allstate teen auto insurance$250$2,997
Progressive teen auto insurance$289$3,467
Nationwide teen auto insurance$316$3,786

*USAA can only be used by current and ex-military members and their families.

If your teen has been involved in a recent accident, it’s wise to consider contacting State Farm insurance in Goodlettsville, TN, to discuss switching plans.

Goodlettsville, TN Auto Insurance Premiums by Demographics

When creating your car insurance quote, insurance companies take many factors into account, including demographics.

Goodlettsville, TN Auto Insurance Quotes by Gender

Men and women are typically charged the same for auto insurance. You can expect to see a price differential of less than 1% between women and men in their 30s. However, women can expect to pay just less than men in car insurance rates over a lifetime.

The widest gender gap occurs in the younger age groups. Certain states don’t allow gender to affect insurance rates, but Tennessee is not currently one of those states. The states forbidding gender differentials for auto insurance currently include:

  • California
  • Hawaii
  • Massachusetts
  • Michigan
  • Montana
  • North Carolina
  • Pennsylvania

Goodlettsville, TN Auto Insurance Quotes by Marital Status

In many parts of the U.S., marital status can also affect your auto insurance rates. The national average sees married couples receiving a $76 discount on their premiums. However, married couples can receive discounts up to 36% below the state average on full-coverage car insurance in Tennessee.

Some insurance companies, like State Farm Insurance in Goodlettsville, TN, give the same rate to married and unmarried drivers.

Goodlettsville, TN Auto Insurance Rates After an Incident

Specific incidents, often driving-related, can cause your auto insurance premiums to rise. Insurers often view these incidents as signs of a risky driver, which correlates to increased auto insurance rates.

Some of these incidents include:

  • Having an auto accident
  • Receiving a driving ticket
  • Having poor credit
  • Getting a DUI
  • Receiving a speeding ticket

Goodlettsville, TN Car Insurance Rates After an Auto Accident

If you’re from Goodlettsville, TN, and have been involved in an at-fault accident, one of the best auto insurance companies to look into is State Farm Insurance.

The average U.S. national car insurance policy for drivers with an at-fault history is $2,144 annually for full coverage. However, State Farm Insurance charges its policyholders around half that price. State Farm Insurance costs only $1,074 per year for full coverage.

Goodlettsville, TN Car Insurance Rates After Having Poor Credit

Perhaps your driving record is pristine, but your credit history is not. If you’re a driver in Goodlettsville, TN with poor credit, you’re likely to find the best insurance rates from Geico. Geico auto insurance comes in 39% less expensive than the state average, at only $1,631 per year for full coverage insurance.

See the chart below for a comparison of auto insurance prices for those with poor credit:

Auto Insurance CompanyMonthly RateAnnual Rate
USAA insurance*$123$1,476
Geico insurance$136$1,631
Farmers insurance$158$1,901
Progressive insurance$227$2,726
Nationwide insurance$234$2,808
Allstate insurance$262$3,139
Erie insurance$294$3,525
State Farm insurance$361$4,329

* You must be a current or former military member or their family to use USAA.

Bad credit can increase your auto insurance costs by up to 75% compared to drivers with regular credit ratings. Insurance companies have found that drivers with bad credit are more likely to file a claim — this is why insurance costs rise for those with bad credit.

Goodlettsville, TN Car Insurance Rates After a DUI

The average full coverage auto policy runs at $2,704 per year after a DUI incident in Tennessee. Consider using Progressive auto insurance if you have had a DUI. It comes in 29% less expensive than the state average, costing you only $1,926 per year.

Of course, if you or your spouse are active or ex-military, you can take advantage of USAA’s more competitive rate of $1,652 per year, 39% below Tennessee’s average.

Here’s a comparison chart of auto insurance companies in Goodlettsville, TN, and their monthly and annual rates after a recent DUI:

Auto Insurance CompanyMonthly RateAnnual Rate
USAA auto insurance$138$1,652
Progressive auto insurance$161$1,926
State Farm auto insurance$166$1,989
Erie auto insurance$187$2,240
Farmers auto insurance$218$2,620
Allstate auto insurance$239$2,871
Nationwide auto insurance$347$4,158
Geico auto insurance$348$4,174

Receiving a DUI in Tennessee can raise your car insurance rates by 76%. This is by far the most expensive factor a driver can have affecting their auto insurance policy.

Goodlettsville, TN Car Insurance Rates After a Speeding Ticket

After receiving a speeding ticket, residents can receive fair rates from State Farm Insurance in Goodlettsville, TN. In Tennessee, someone who has had a recent speeding ticket can expect to pay 13% more for auto insurance, with rates around $1,736. However, those Tennesseans who choose State Farm Insurance after the speeding ticket can expect to pay only $993 for full coverage.

The next best rate is from USAA, but you must be a U.S. veteran.

Here’s a look at several Goodlettsville, TN insurance companies for a comparison:

Insurance CompanyMonthly RateAnnual Rate
State Farm Insurance$83$993
USAA Insurance$86$993
Geico Car Insurance$111$1,330
Erie Auto Insurance$128$1,539
Farmers Car Insurance$137$1,644
Progressive Auto Insurance$188$2,256
Allstate Insurance$194$2,324
Nationwide Auto Insurance$230$2,763

These auto insurance rates are competitive for the Goodlettsville, TN area for those who have received a recent speeding ticket.

Goodlettsville, TN Auto Insurance Quotes by Driver

As we have already seen, some demographics such as age can increase auto insurance quotes significantly. However, other factors, such as gender, have minimal impact on the costs.

In the following sections, we’ll explore the average cost of auto insurance in Goodlettsville, TN, by specific incidents and type of vehicle.

Goodlettsville, TN Auto Insurance Quotes by Incidents

If you have a clean driving record, your insurance costs will reflect the care and consideration you take while driving. However, not every incident is your fault, and sometimes your insurance can increase because of a driving incident, even if you were exhibiting near-perfect respect for the road.

The chart below compares the average monthly premiums amongst drivers with similar incidents:

IncidentAverage Monthly PremiumAverage Annual Premium
A single accident$86$1,032
Multiple accidents$81$972
A single ticket$53$636
Multiple tickets$59$708

Accidents and tickets can cause your monthly auto insurance premiums to soar. It’s important to always drive safely and do your best to keep your record clean to avoid being charged a premium by your insurance company.

Goodlettsville, TN Auto Insurance Quotes by Vehicles

Whether you drive a car, truck, van, or SUV, your insurance rates will vary. To see the average monthly rates for differing types of vehicles in Goodlettsville, TN, see the chart below:

Vehicle TypeAverage Auto Insurance Rates in Goodlettsville, TN
Truck or Van$48
Car$57
SUV$61

If you’re planning on purchasing a new or used vehicle, keeping this information in mind can be beneficial. In Goodlettsville, large trucks and vans will lower your insurance premiums.

Goodlettsville, TN Auto Insurance Quotes by Vehicle’s Age

Of course, the age of your vehicle also comes into play when receiving an auto insurance quote. Browse the chart below to compare the average monthly premium for vehicles of varying ages:

Vehicle’s AgeAverage Monthly Auto Insurance Premium
Less than a year$39
Two to three years$50
Four to five years$49
Six to seven years$88
Eight to ten years$54
11 to 14 years$63
15 years and older$52

As a rule of thumb, newer vehicles usually cost more to insure, with their insurance premiums falling after a few years. However six to seven years old vehicles are the most expensive to insure.

Is Goodlettsville, TN an Expensive City for Car Insurance?

When it comes to auto insurance, it’s nice to know how your city stacks up against neighboring cities.

On average, Goodlettsville car insurance priced at $53 per month in 2021. Let’s compare that to the following five nearby cities:

  • Antioch
  • Clarksville
  • Memphis
  • Murfreesboro
  • Nashville

TN Cities More Expensive Than Goodlettsville

A few Tennessee cities were more expensive than Goodlettsville’s $53 per month.

For example,

  1. Memphis came in as the most expensive city in Tennessee for auto insurance, with an average price of $67 per month.
  2. The second most expensive Tennessee city for auto insurance was Antioch, at $58 per month.
  3. Clarksville placed third with car insurance averaging out to $55 per month.
  4. Murfreesboro just barely slid past Goodlettsville to be the fourth most expensive city in Tennessee for auto insurance at $54 per month.

TN Cities Cheaper Than Goodlettsville

While none of the cities on our list were cheaper for auto insurance than Goodlettsville, the city that tied may surprise you. Tennessee’s capital, Nashville, tied Goodlettsville in having the lowest auto insurance rates of the six cities under consideration. Nashville also has an average cost of $53 per month for auto insurance.

Why Do Auto Insurance Costs Differ Across the State of TN?

It’s essential to consider multiple factors when it comes to understanding how an area can affect your auto insurance. Your prices will be significantly influenced by where you live and drive your vehicle.

Certain influential factors may include:

  • Availability of off-street parking
  • The density of your region’s drivers
  • Your area’s crime rates
  • How regularly road accidents occur in your area

These factors can impact an insured driver’s likelihood of filing an auto insurance claim. When an insurance company believes you are more likely to file a claim, they raise your premium to offset their risk in insuring you and your vehicle.

In Goodlettsville, crime rates, parking, and local laws help keep the auto insurance costs low, compared to Tennessee and the rest of the U.S., on average.

Auto Insurance Quotes Goodlettsville, TN: FAQs

Which car insurance company will get me the best deal in Goodlettsville, TN?

This depends on many factors, such as your age, marital status, the type of vehicle you own, and its age. We recommend you check out some of our detailed charts above and narrow your search to the two or three that seem to be the lowest cost for your situation, then contact them directly to confirm their pricing.

Do I have to wait for my policy to run out before I switch to a new auto insurance carrier?

Many people are surprised to hear that you do not need to wait until your policy expires. You can switch insurance companies at any point. If it’s been a while since you checked insurance rates in your area, it may be worth the effort to do some quick research. Switching insurance providers can sometimes save you hundreds of dollars off your annual auto insurance costs.

Should I change my car insurance if I move into or out of Goodlettsville?

Whenever you change cities or have a major life event, you should re-evaluate your auto insurance policy. If you want to realize significant savings, it’s better to be on top of your game and claim those savings as soon as possible.

Which Goodlettsville auto insurance company is the cheapest?

The factors influencing auto insurance quotes are very personal, from your marital status to prior infractions. For this reason, it’s best to consider all factors that may impact a person’s insurance quote rather than generalize about the cheapest insurance company in any city. We recommend that you browse the comparison charts above and note which companies seem to offer the best rates for people with your influencing factors. Once you’ve narrowed your list down, you can price check those auto insurance companies directly.

Find the Right Auto Insurance in Goodlettsville, TN

This article considers how the many factors weighed by auto insurance companies can affect a driver’s car insurance prices, particularly in Goodlettsville, TN.

Some of the topics we explored include:

  • A comparison of full coverage and minimum coverage averages in Goodlettsville, TN
  • Best auto insurance companies in Goodlettsville
  • Differentiating factors affecting car insurance quotes, such as age, gender, marital status, and prior infractions and incidents
  • Outside factors, such as the type of vehicle being insured and its age
  • A comparison of Goodlettsville to other major cities in Tennessee
  • Why auto insurance quotes fluctuate between different cities in the same state
  • FAQs

The article arms readers with extensive research on the auto insurance industry in the Goodlettsville, Tennessee area, allowing them to narrow down potential insurance companies that meet their needs. The sources for all of the data above has been cited and/or linked to.