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

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

Zimlon, through its research, found that car owners in Gibson 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 Gibson 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.


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

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

Gibson County Milan Rutherford Gibson Humboldt Dyer
Average Insurance Rates $1,401 $1,408 $1,375 $1,395 $1,382 $1,378

Gibson 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 Gibson 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)
Gibson County $1,191 $1,006
Trenton $1,466 $1,238
Dyer $1,298 $1,096
Bradford $2,394 $2,022
Gibson $1,412 $1,193
Rutherford $1,529 $1,291
Milan $1,470 $1,241
Humboldt $2,156 $1,821

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

Teenagers in Gibson 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 $4,546
20 Years $1,800
30 Years $1,387
40 Years $1,334
50 Years $1,235
60 Years $1,253
70 Years $1,458

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

Car owners in Gibson 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 $2,466 $336
3 Vehicles $3,699 $504
4 Vehicles $4,932 $672

Savings on 2 Vehicles bundle:$336

Savings on 3 Vehicles bundle:$504

Savings on 4 Vehicles bundle:$672


Gibson 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 Gibson County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Gibson County $1,401 $2,510
Trenton $1,396 $2,501
Dyer $1,378 $2,469
Bradford $1,374 $2,461
Gibson $1,395 $2,499
Rutherford $1,375 $2,463
Milan $1,408 $2,522
Humboldt $1,382 $2,476

Gibson 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) $1,202
Excellent (740-799) $1,372
Good (670-739) $1,460
Average (580-669) $1,905
Poor (300-579) $2,285

Gibson 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
Siler Thornton Agency Erie 334 S MAIN ST, DYER, 38330 (731) 692-3731
Ken Davis State Farm 58 West Main Street, Alamo, 38001-0159 731-696-5925
Smith Insurance Service Llc Erie 2436 East End Drive, Humboldt, 38343 None
First State Insurance, Llc-Milan None 15423 S. First Street, Suite 114 , Milan, 38358 None
Creswell Insurance Agency Erie 2038 W Van Hook Street, Milan, 38358 None
Westan Insurance Dba Alexander Insurance Agency None 149 E. Main Street, Bradford, 38316 None
Wes Harris State Farm 319 Vann Dr Ste F, Jackson, 38305-6032 731-668-0567

Gibson 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 +$62 $1,463
Driver's Failure In Showing Documents +$136 $1,537
Driving With An Expired Registration +$144 $1,545
Driving At A Considerably Slow Pace +$304 $1,705
Using A Cellphone While Driving +$321 $1,722
Running A Red Light +$326 $1,727
Speeding +$343 $1,744
Driving A Vehicle Without The Required Permission +$436 $1,837
Driving With An Expired/Suspended License +$944 $2,345

Gibson 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 $1,345
Active Disabling Device $1,345
Tracking Device $1,317
Passive Disabling Device $1,303