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If you're looking for the best and cheapest car insurance in Ashland City, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Ashland City and prepared this guide for you.

The average cost of auto insurance in Ashland City for full coverage is $1,306 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Ashland City. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Ashland City

According to a study by Insurance.com, the cheapest car insurance companies in Ashland City for 2023 are USAA and Nationwide.

USAA is the cheapest option for most Ashland City drivers, with an average annual rate of $995.

Car insurance cost may vary in Ashland City based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Ashland City

CompaniesAverage Annual Rates
USAA$995
Nationwide$1,013
Auto-Owners$1,087
Geico$1,111
State Farm$1,190
Farmers$1,249
Travelers$1,249
Erie Insurance$1,358
Progressive$1,894
Allstate$1,912

Cheapest car insurance cost in Ashland City by Age Group

The cheapest auto insurance company in Ashland City for teen drivers is Geico. For full coverage, its average annual rate for Ashland City drivers is $3,627. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Ashland City at about $1,619 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Ashland City is the Nationwide. Its average rate for a full coverage car insurance policy is $1,023 per year.

If you are a senior driver in Ashland City and looking for a cheap car insurance company, then consider buying insurance from the USAA. It is the cheapest auto insurance company for senior drivers with an average premium of $963 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,945$2,007$7,616$3,021
Auto-Owners$1,129$1,079$5,227$2,046
Erie Insurance$1,441$1,389$3,829$2,506
Farmers$1,248$1,242$5,934$1,794
Geico$1,161$1,087$3,627$1,829
Nationwide$1,023$1,020$4,281$1,838
Progressive$1,977$1,857$10,029$3,585
State Farm$1,227$1,125$3,877$2,195
Travelers$1,299$1,299$4,336$2,057
USAA$1,028$963$3,804$1,619

Cheapest car insurance companies in Ashland City by driver profile

Car insurance rates in Ashland City vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Ashland City, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Ashland City based on driver profile.

Cheapest for a driver with poor credit: Nationwide

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Ashland City drivers at about $1,414 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Nationwide$1,414
Geico$1,527
USAA$1,748
Farmers$2,004
Travelers$2,259
Auto-Owners$2,851
Progressive$3,225
Allstate$3,228
Erie$3,624
State Farm$5,895

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Ashland City. It offers full coverage car insurance for drivers age 30 at about $994 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
State Farm$994
USAA$1,092
Nationwide$1,188
Erie$1,396
Geico$1,610
Farmers$1,717
Auto-Owners$1,718
Travelers$1,815
Allstate$2,152
Progressive$2,476

Cheapest auto insurance after an at-fault accident: State Farm

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Ashland City is $1,069. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
State Farm$1,069
USAA$1,376
Nationwide$1,550
Erie$1,678
Travelers$1,803
Geico$1,813
Farmers$1,858
Auto-Owners$2,463
Allstate$2,759
Progressive$3,067

Cheapest auto insurance after a DUI: State Farm

State Farm is the carrier that offers cheap auto insurance rates in Ashland City for drivers after a DUI. Its average annual rate for full coverage is $994.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
State Farm$994
USAA$1,753
Geico$1,777
Farmers$1,781
Nationwide$1,900
Travelers$1,936
Erie$1,957
Progressive$2,113
Allstate$2,647
Auto-Owners$3,424

Average car insurance cost in Ashland City

The average car insurance rate in Ashland City for full coverage is $1,306 per year or $109 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Ashland City is $328 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,306$328

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Tennessee

Germantown
$1,468/year
Hermitage
$1,339/year
Kingston
$1,270/year
Knoxville
$1,251/year
Nashville
$1,312/year
Paris
$1,342/year
Sevierville
$1,263/year
Watertown
$1,247/year

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