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

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

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


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

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

Sumner County Gallatin Walnut Grove Portland New Deal Bethpage
Average Insurance Rates $1,082 $1,096 $1,468 $1,436 $1,411 $1,465

Sumner 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 Sumner 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)
Sumner County $1,308 $1,105
Graball $2,765 $2,335
Cottontown $995 $840
New Deal $1,579 $1,334
Gallatin $1,370 $1,157
Walnut Grove $1,688 $1,426
Bethpage $1,323 $1,117
Portland $1,211 $1,023

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

Teenagers in Sumner 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 $3,511
20 Years $1,390
30 Years $1,071
40 Years $1,030
50 Years $954
60 Years $967
70 Years $1,126

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

Car owners in Sumner 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 $1,883 $281
3 Vehicles $2,824 $422
4 Vehicles $3,765 $563

Savings on 2 Vehicles bundle:$281

Savings on 3 Vehicles bundle:$422

Savings on 4 Vehicles bundle:$563


Sumner 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 Sumner County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Sumner County $1,082 $1,938
Graball $1,411 $2,528
Cottontown $1,592 $2,852
New Deal $1,411 $2,528
Gallatin $1,096 $1,963
Walnut Grove $1,468 $2,630
Bethpage $1,465 $2,624
Portland $1,436 $2,573

Sumner 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) $928
Excellent (740-799) $1,060
Good (670-739) $1,127
Average (580-669) $1,471
Poor (300-579) $1,765

Sumner 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
Shrum Insurance Services Erie 699 W Main Street Suite 210, Hendersonville, 37075 None
Charlie Adams State Farm 100 E. McGlothlin street, Portland, 37148 615-325-5529
Kyle Dorris Farmers 621 S Broadway St, Portland, 37148 (615) 325-0064
Tina Renee Mowatt Allstate 119 Stadium Dr, Hendersonville, 37075 (615) 822-2215
Mimbs Insurance Agency Erie 118 Public Square, Gallatin, 37066 None
John Ray State Farm 4971 Lebanon Pike, Old Hickory, 37138-4127 615-301-2200
Nastc Insurance Services, Llc None 1571 Pilot Vw, Gallatin, 37066 None
Ea-Merit Insurance Of Tennessee Inc Travelers 14625 LEBANON RD STE D, OLD HICKORY, 37138 615-754-6374

Sumner 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 +$48 $1,130
Driver's Failure In Showing Documents +$105 $1,187
Driving With An Expired Registration +$111 $1,193
Driving At A Considerably Slow Pace +$235 $1,317
Using A Cellphone While Driving +$248 $1,330
Running A Red Light +$252 $1,334
Speeding +$265 $1,347
Driving A Vehicle Without The Required Permission +$337 $1,419
Driving With An Expired/Suspended License +$729 $1,811

Sumner 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 $1,039
Active Disabling Device $1,039
Tracking Device $1,017
Passive Disabling Device $1,006