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

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

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


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

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

Warren County Viola Van Buren County Morrison McMinnville Beersheba Springs
Average Insurance Rates $1,414 $1,398 $1,401 $1,391 $1,404 $1,376

Warren 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 Warren 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)
Warren County $1,430 $1,208
McMinnville $2,749 $2,322
Centertown $1,014 $856
Morrison $1,522 $1,286
Viola $2,027 $1,712
Beersheba Springs $1,105 $934
Altamont $1,893 $1,599
Van Buren County $1,687 $1,425

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

Teenagers in Warren 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 $4,588
20 Years $1,817
30 Years $1,399
40 Years $1,346
50 Years $1,247
60 Years $1,264
70 Years $1,472

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

Car owners in Warren 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 $2,460 $368
3 Vehicles $3,691 $551
4 Vehicles $4,921 $735

Savings on 2 Vehicles bundle:$368

Savings on 3 Vehicles bundle:$551

Savings on 4 Vehicles bundle:$735


Warren 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 Warren County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Warren County $1,414 $2,533
McMinnville $1,404 $2,515
Centertown $1,388 $2,487
Morrison $1,391 $2,492
Viola $1,398 $2,504
Beersheba Springs $1,376 $2,465
Altamont $1,376 $2,465
Van Buren County $1,401 $2,510

Warren 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) $1,213
Excellent (740-799) $1,385
Good (670-739) $1,473
Average (580-669) $1,922
Poor (300-579) $2,306

Warren 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
Leigh Holland State Farm 1428 Sparta St Ste 4, McMinnville, 37110-1365 931-474-5252
Neil Helton State Farm 807 N Chancery St, McMinnville, 37110-1604 931-473-1539
Johnny Murray Allstate 1502 Smithville Hwy, McMinnville, 37110 (931) 473-2626
Reynolds Insurance Agency Inc Erie 103 Moore Avenue, Smyrna, 37167 None
Barrett Insurance Agency Travelers 10579 CEDAR GROVE RD STE 100, SMYRNA, 37167 615-220-9890
Cumberland Ins Grp Allstate 117 E Bryant St, Smithville, 37166 (615) 597-4375
Rains Agency Inc. -- Crossville None 807 N Main St, Crossville, 38555 None
Miller Loughry Beach Insurance Services, Inc. None 214 West College Street , Murfreesboro, 37130 None
Bill Hayes State Farm 136 S Lowry St, Smyrna, 37167-2540 615-459-2683

Warren 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 $1,476
Driver's Failure In Showing Documents +$137 $1,551
Driving With An Expired Registration +$146 $1,560
Driving At A Considerably Slow Pace +$307 $1,721
Using A Cellphone While Driving +$324 $1,738
Running A Red Light +$329 $1,743
Speeding +$346 $1,760
Driving A Vehicle Without The Required Permission +$440 $1,854
Driving With An Expired/Suspended License +$953 $2,367

Warren 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 $1,357
Active Disabling Device $1,357
Tracking Device $1,329
Passive Disabling Device $1,315