Chapel Hill Auto Insurance Rates, Quotes, Agents & Reviews in TN

Chapel Hill, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Chapel Hill, 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.

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Factors that can influence the cost of car insurance in Chapel Hill, 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.


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

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

Chapel Hill Marshall County Bedford County Unionville Lewisburg Shelbyville
Average Insurance Rates $1,425 $1,424 $1,434 $1,440 $1,397 $1,415

Chapel Hill, 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 Chapel Hill, 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)
Chapel Hill $1,646 $1,390
Unionville $1,533 $1,295
Eagleville $1,465 $1,237
Marshall County $1,376 $1,162
Lewisburg $1,951 $1,648
Spring Hill $1,624 $1,372
Bedford County $1,507 $1,273
Shelbyville $1,947 $1,644

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

Teenagers in Chapel Hill, 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 $4,624
20 Years $1,831
30 Years $1,410
40 Years $1,357
50 Years $1,257
60 Years $1,274
70 Years $1,483

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

Car owners in Chapel Hill, 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 $2,423 $428
3 Vehicles $3,634 $641
4 Vehicles $4,845 $855

Savings on 2 Vehicles bundle:$428

Savings on 3 Vehicles bundle:$641

Savings on 4 Vehicles bundle:$855


Chapel Hill, 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 Chapel Hill, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Chapel Hill $1,425 $2,553
Unionville $1,440 $2,580
Eagleville $1,452 $2,601
Marshall County $1,424 $2,551
Lewisburg $1,397 $2,503
Spring Hill $1,538 $2,755
Bedford County $1,434 $2,569
Shelbyville $1,415 $2,535

Chapel Hill, 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) $1,223
Excellent (740-799) $1,396
Good (670-739) $1,485
Average (580-669) $1,937
Poor (300-579) $2,324

Chapel Hill, TN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Gabriel Frazier Farmers 231 Barfield Crescent Rd Ste C3, Murfreesboro, 37128 (615) 600-4788
Rob Gardner State Farm 1708 N Main St, Shelbyville, 37160-2328 931-685-2080
Scott Koon State Farm 103 White Bridge Pike Ste 7, Nashville, 37209-4539 615-356-0472
Sturdivant Insurance Erie 615 Main Street Suite B10, Nashville, 37206 None
Fieldstone Insurance Partners, Llc None 504 Autumn Springs Ct. 504 Autumn Springs Ct., Franklin, 37067 None
West End Insurance Erie 100 Taylor Street Unit B6, Nashville, 37208 None
Mark Allen Pody Nationwide 4211 S Carothers Rd Ste E1, Franklin, 37064 (615) 849-8541
Allee Agency Inc Travelers 2400 CRESTMOOR RD, NASHVILLE, 37215 615-386-7153
Crichton Brandon Jackson & Ward Inc Travelers 3011 ARMORY DR STE 250, NASHVILLE, 37203 615-986-6148
Insight Risk Management Liberty Mutual Independent 1107 8TH AVE S, NASHVILLE, 37203 (615) 269-7887
Al Cadenas Insurance Agency Llc Travelers 15121 OLD HICKORY BLVD, NASHVILLE, 37211 615-941-5567

Chapel Hill, 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 +$63 $1,488
Driver's Failure In Showing Documents +$138 $1,563
Driving With An Expired Registration +$147 $1,572
Driving At A Considerably Slow Pace +$309 $1,734
Using A Cellphone While Driving +$326 $1,751
Running A Red Light +$332 $1,757
Speeding +$349 $1,774
Driving A Vehicle Without The Required Permission +$443 $1,868
Driving With An Expired/Suspended License +$960 $2,385

Chapel Hill, 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 $1,368
Active Disabling Device $1,368
Tracking Device $1,340
Passive Disabling Device $1,325