Cumberland County Auto Insurance Rates, Quotes, Agents & Reviews in TN

Cumberland County, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cumberland County, 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 Cumberland County, 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.


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

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

Cumberland County Bowman Clarkrange Fairfield Glade Crab Orchard Lake Tansi
Average Insurance Rates $1,445 $1,428 $1,368 $1,503 $1,378 $1,423

Cumberland County, 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 Cumberland County, 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)
Cumberland County $1,143 $966
Crossville $1,058 $893
Lake Tansi $2,789 $2,356
Crab Orchard $1,533 $1,295
Fairfield Glade $1,386 $1,171
Bowman $1,233 $1,041
Pleasant Hill $1,389 $1,174
Clarkrange $1,286 $1,087

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

Teenagers in Cumberland County, 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 $4,689
20 Years $1,857
30 Years $1,430
40 Years $1,376
50 Years $1,274
60 Years $1,292
70 Years $1,504

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

Car owners in Cumberland County, 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 $2,485 $405
3 Vehicles $3,728 $607
4 Vehicles $4,971 $809

Savings on 2 Vehicles bundle:$405

Savings on 3 Vehicles bundle:$607

Savings on 4 Vehicles bundle:$809


Cumberland County, 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 Cumberland County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Cumberland County $1,445 $2,589
Crossville $1,444 $2,587
Lake Tansi $1,423 $2,549
Crab Orchard $1,378 $2,469
Fairfield Glade $1,503 $2,693
Bowman $1,428 $2,558
Pleasant Hill $1,425 $2,553
Clarkrange $1,368 $2,451

Cumberland County, 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) $1,240
Excellent (740-799) $1,415
Good (670-739) $1,506
Average (580-669) $1,964
Poor (300-579) $2,357

Cumberland County, 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
Rains Agency Inc. -- Crossville None 807 N Main St, Crossville, 38555 None
Bob Folger State Farm 848 Livingston Rd Ste 104, Crossville, 38555-6719 931-484-5252
Jennifer Downer State Farm 609 E Broadway St, Lenoir City, 37771-3010 865-986-2215
Graham & Cook Insurance Travelers 10820 KINGSTON PIKE STE 100, KNOXVILLE, 37934 423-671-0754
Melva Garrett Farmers 186 Highway 70 E, Crossville, 38555 (931) 707-7756
Bolton Insurance Agency Erie 200 FOX RD, KNOXVILLE, 37922 865-690-5000
Laura Ash State Farm 12744 Kingston Pike Ste 106, Knoxville, 37934-0941 865-675-0888

Cumberland County, 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 +$64 $1,509
Driver's Failure In Showing Documents +$140 $1,585
Driving With An Expired Registration +$149 $1,594
Driving At A Considerably Slow Pace +$314 $1,759
Using A Cellphone While Driving +$331 $1,776
Running A Red Light +$337 $1,782
Speeding +$354 $1,799
Driving A Vehicle Without The Required Permission +$449 $1,894
Driving With An Expired/Suspended License +$974 $2,419

Cumberland County, 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 $1,387
Active Disabling Device $1,387
Tracking Device $1,358
Passive Disabling Device $1,344