Baxter Auto Insurance Rates, Quotes, Agents & Reviews in TN

Baxter, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Baxter, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Baxter, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Baxter, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Baxter, TN with that of other cities in and around Baxter.

Baxter Algood Cookeville Dodson Branch DeKalb County Gainesboro
Average Insurance Rates $1,415 $1,434 $1,068 $1,417 $1,436 $1,391

Baxter, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Baxter, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Baxter $1,201 $1,014
Cookeville $2,015 $1,702
Putnam County $2,536 $2,142
Algood $1,506 $1,272
Dodson Branch $1,400 $1,182
Jackson County $1,945 $1,643
Gainesboro $1,432 $1,209
DeKalb County $1,225 $1,034

Baxter, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Baxter, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,591
20 Years $1,818
30 Years $1,400
40 Years $1,347
50 Years $1,248
60 Years $1,265
70 Years $1,473

Baxter, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Baxter, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,490 $340
3 Vehicles $3,736 $509
4 Vehicles $4,981 $679

Savings on 2 Vehicles bundle:$340

Savings on 3 Vehicles bundle:$509

Savings on 4 Vehicles bundle:$679


Baxter, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Baxter, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Baxter $1,415 $2,535
Cookeville $1,068 $1,913
Putnam County $1,457 $2,610
Algood $1,434 $2,569
Dodson Branch $1,417 $2,538
Jackson County $1,413 $2,531
Gainesboro $1,391 $2,492
DeKalb County $1,436 $2,573

Baxter, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,214
Excellent (740-799) $1,386
Good (670-739) $1,474
Average (580-669) $1,924
Poor (300-579) $2,308

Baxter, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$62 $1,477
Driver's Failure In Showing Documents +$137 $1,552
Driving With An Expired Registration +$146 $1,561
Driving At A Considerably Slow Pace +$307 $1,722
Using A Cellphone While Driving +$324 $1,739
Running A Red Light +$330 $1,745
Speeding +$347 $1,762
Driving A Vehicle Without The Required Permission +$440 $1,855
Driving With An Expired/Suspended License +$954 $2,369

Baxter, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,358
Active Disabling Device $1,358
Tracking Device $1,330
Passive Disabling Device $1,316