St. Joseph Auto Insurance Rates, Quotes, Agents & Reviews in TN

St. Joseph, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Joseph, 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 St. Joseph, 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.


St. Joseph, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. Joseph Killen Lauderdale County Florence Iron City Lexington
Average Insurance Rates $1,383 $1,483 $1,454 $1,350 $1,336 $1,438

St. Joseph, 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 St. Joseph, 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)
St. Joseph $1,071 $905
Iron City $1,413 $1,194
Loretto $1,437 $1,214
Killen $1,691 $1,429
Lexington $1,371 $1,158
Lauderdale County $1,445 $1,221
Florence $1,522 $1,286
St. Florian $1,332 $1,125

St. Joseph, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Joseph, 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 $4,488
20 Years $1,777
30 Years $1,369
40 Years $1,317
50 Years $1,220
60 Years $1,236
70 Years $1,439

St. Joseph, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Joseph, 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 $2,434 $332
3 Vehicles $3,651 $498
4 Vehicles $4,868 $664

Savings on 2 Vehicles bundle:$332

Savings on 3 Vehicles bundle:$498

Savings on 4 Vehicles bundle:$664


St. Joseph, 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 St. Joseph, TN.

Location Average Insurance Cost Post DUI Insurance Rate
St. Joseph $1,383 $2,478
Iron City $1,336 $2,393
Loretto $1,395 $2,499
Killen $1,483 $2,629
Lexington $1,438 $2,550
Lauderdale County $1,454 $2,578
Florence $1,350 $2,394
St. Florian $1,506 $2,670

St. Joseph, 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) $1,187
Excellent (740-799) $1,354
Good (670-739) $1,441
Average (580-669) $1,880
Poor (300-579) $2,256

St. Joseph, 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
Elliott & Associates Travelers 251 N MILITARY AVE, LAWRENCEBURG, 38464 931-762-5555
Brad Nielsen State Farm 708 Locust Ave, Lawrenceburg, 38464 931-762-8181
Chad Hammond Farmers 234 Pulaski St, Lawrenceburg, 38464 (931) 762-4600
John Harold Webb Nationwide 631 N Military Ave, Lawrenceburg, 38464-2624 (931) 762-6466
Wall-Modrall Insurance Service Inc Travelers 517 NORTH LOCUST AVENUE, LAWRENCEBURG, 38464 931-762-6528
Allen Insurance Group, Llc None 1509 Carmack Blvd., Columbia, 38401 None
Everett Insurance Agency Travelers 438 W COMMERCE ST, LEWISBURG, 37091 931-359-7527

St. Joseph, 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 +$61 $1,444
Driver's Failure In Showing Documents +$134 $1,517
Driving With An Expired Registration +$142 $1,525
Driving At A Considerably Slow Pace +$300 $1,683
Using A Cellphone While Driving +$317 $1,700
Running A Red Light +$322 $1,705
Speeding +$339 $1,722
Driving A Vehicle Without The Required Permission +$430 $1,813
Driving With An Expired/Suspended License +$932 $2,315

St. Joseph, 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 $1,328
Active Disabling Device $1,328
Tracking Device $1,300
Passive Disabling Device $1,286