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

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

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


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

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

Overton County Byrdstown Grimsley Monterey Algood Livingston
Average Insurance Rates $1,420 $1,381 $1,384 $1,405 $1,434 $1,413

Overton 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 Overton 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)
Overton County $1,484 $1,254
Livingston $2,770 $2,339
Algood $1,506 $1,272
Monterey $2,751 $2,324
Dodson Branch $1,400 $1,182
Grimsley $1,469 $1,241
Byrdstown $1,341 $1,133
Cookeville $2,015 $1,702

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

Teenagers in Overton 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 $4,608
20 Years $1,825
30 Years $1,405
40 Years $1,352
50 Years $1,252
60 Years $1,270
70 Years $1,478

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

Car owners in Overton 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 $2,414 $426
3 Vehicles $3,621 $639
4 Vehicles $4,828 $852

Savings on 2 Vehicles bundle:$426

Savings on 3 Vehicles bundle:$639

Savings on 4 Vehicles bundle:$852


Overton 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 Overton County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Overton County $1,420 $2,544
Livingston $1,413 $2,531
Algood $1,434 $2,569
Monterey $1,405 $2,517
Dodson Branch $1,417 $2,538
Grimsley $1,384 $2,479
Byrdstown $1,381 $2,474
Cookeville $1,068 $1,913

Overton 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) $1,218
Excellent (740-799) $1,391
Good (670-739) $1,480
Average (580-669) $1,930
Poor (300-579) $2,316

Overton 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
J Nate Maxwell Farmers 251 S Willow Ave, Cookeville, 38501 (931) 526-4532
Cherisse Sells Allstate 2348 Cookeville Hwy, Livingston, 38570 (931) 823-1580
Gary Maxwell Insurance Agency Llc Erie 420 EAST MAIN STREET, LIVINGSTON, 38570 931-823-1251
Swallows Insurance Agency - Livingston None 1020 W Main St, Livingston, 38570 None
Gary Maxwell Insurance Agency None 1283 S. Walnut Ave., Cookeville, 38502 None
Charlie Adams State Farm 46 Brattontown Cir, Lafayette, 37083-2623 615-688-5200
Andrew Locke State Farm 206 Dow Ave, Celina, 38551 931-243-2230
Gaffney Insurance Agency & Financial Services Llc Nationwide 1107 Scottsville Rd, Lafayette, 37083 (615) 666-9106

Overton 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 $1,482
Driver's Failure In Showing Documents +$138 $1,558
Driving With An Expired Registration +$146 $1,566
Driving At A Considerably Slow Pace +$308 $1,728
Using A Cellphone While Driving +$325 $1,745
Running A Red Light +$331 $1,751
Speeding +$348 $1,768
Driving A Vehicle Without The Required Permission +$442 $1,862
Driving With An Expired/Suspended License +$957 $2,377

Overton 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 $1,363
Active Disabling Device $1,363
Tracking Device $1,335
Passive Disabling Device $1,321