Buy Cheap Oneida, TN Auto Insurance in 2024
Oneida, TN auto insurance rates average $282 a month. Minimum auto insurance requirements in Oneida, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Oneida, TN, compare Oneida auto insurance quotes from top companies.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Oneida, TN are $282/month
- Average auto insurance rates in Oneida, TN for teens drivers are $6,880/year
- The most expensive auto insurance company in Oneida after a DUI is Liberty Mutual
Finding affordable Oneida, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Oneida, TN auto insurance with confidence is right here. Auto insurance rates in Oneida are affected by local factors as well as personal ones like your driving record.
See how Oneida, TN car insurance rates compare to Johnson City auto insurance rates, Clarksville auto insurance rates, and Murfreesboro auto insurance rates before you read more about the cost of auto insurance in Oneida.
Don’t buy Oneida, TN auto insurance until you’ve compared rates. Get free Oneida, Tennessee auto insurance quotes when you enter your ZIP code above.
Oneida, TN Minimum Auto Insurance Requirements
The required auto insurance in Oneida, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Oneida, Tennessee is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Find Cheap Oneida, TN Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Oneida, TN. Take a look at Oneida, Tennessee auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,240 | $4,777 | $3,650 |
| Farmers | $3,752 | $2,925 | $2,767 |
| Geico | $4,509 | $3,865 | $3,555 |
| Liberty Mutual | $9,457 | $5,778 | $4,519 |
| Nationwide | $3,874 | $3,072 | $2,719 |
| Progressive | $4,159 | $3,587 | $3,353 |
| State Farm | $4,021 | $2,411 | $1,872 |
| Travelers | $3,482 | $2,725 | $1,990 |
| USAA | $3,884 | $2,278 | $1,880 |
Buy Cheap Oneida, TN Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Oneida, Tennessee auto insurance rates? Find out how car insurance rates in Oneida, TN are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,821 | $2,703 | $2,536 | $2,632 | $10,694 | $11,621 | $3,001 | $3,109 |
| Farmers | $1,698 | $1,726 | $1,528 | $1,660 | $6,734 | $7,118 | $2,281 | $2,439 |
| Geico | $2,622 | $2,644 | $2,412 | $2,412 | $8,078 | $8,214 | $2,671 | $2,756 |
| Nationwide | $2,080 | $2,100 | $1,864 | $1,897 | $5,607 | $7,245 | $2,385 | $2,596 |
| Progressive | $1,877 | $1,771 | $1,526 | $1,596 | $8,493 | $9,574 | $2,267 | $2,492 |
| State Farm | $1,709 | $1,709 | $1,532 | $1,532 | $5,104 | $6,392 | $1,928 | $2,242 |
| Travelers | $1,777 | $1,870 | $1,609 | $1,713 | $4,922 | $6,080 | $1,894 | $1,994 |
| USAA | $1,510 | $1,535 | $1,364 | $1,363 | $5,404 | $6,201 | $1,971 | $2,098 |
Buy Cheap Oneida, TN Auto Insurance for Teen Drivers
Auto insurance for teenagers in Oneida can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Oneida, TN are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,694 | $11,621 |
| Farmers | $6,734 | $7,118 |
| Geico | $8,078 | $8,214 |
| Nationwide | $5,607 | $7,245 |
| Progressive | $8,493 | $9,574 |
| State Farm | $5,104 | $6,392 |
| Travelers | $4,922 | $6,080 |
| USAA | $5,404 | $6,201 |
Buy Cheap Oneida, TN Auto Insurance for Seniors
You can save on senior auto insurance rates in Oneida, Tennessee by comparing Oneida senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Oneida, TN here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,536 | $2,632 |
| Farmers | $1,528 | $1,660 |
| Geico | $2,412 | $2,412 |
| Nationwide | $1,864 | $1,897 |
| Progressive | $1,526 | $1,596 |
| State Farm | $1,532 | $1,532 |
| Travelers | $1,609 | $1,713 |
| USAA | $1,364 | $1,363 |
Find Cheap Auto Insurance Rates in Oneida, TN by Coverage Level
The amount of coverage you choose is a big factor in the cost of Oneida, Tennessee auto insurance. Compare Oneida, TN auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,725 | $4,878 | $5,065 |
| Farmers | $2,987 | $3,134 | $3,324 |
| Geico | $3,786 | $3,965 | $4,177 |
| Liberty Mutual | $6,313 | $6,582 | $6,859 |
| Nationwide | $3,248 | $3,150 | $3,267 |
| Progressive | $3,485 | $3,698 | $3,915 |
| State Farm | $2,628 | $2,780 | $2,898 |
| Travelers | $2,573 | $2,730 | $2,894 |
| USAA | $2,596 | $2,672 | $2,775 |
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Find Cheap Oneida, TN Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Oneida. Compare auto insurance rates in Oneida, TN by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,889 | $4,889 |
| Farmers | $3,148 | $3,148 |
| Geico | $3,950 | $4,002 |
| Liberty Mutual | $6,585 | $6,585 |
| Nationwide | $3,222 | $3,222 |
| Progressive | $3,699 | $3,699 |
| State Farm | $2,703 | $2,833 |
| Travelers | $2,625 | $2,840 |
| USAA | $2,606 | $2,756 |
Find Cheap Oneida, TN Auto Insurance Rates by Driving Record
Auto insurance rates in Oneida, Tennessee are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Oneida, TN, take a look at the average cost for various violations versus rates for a clean driving record in Oneida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,082 | $4,873 | $5,919 | $4,683 |
| Farmers | $2,683 | $3,332 | $3,405 | $3,173 |
| Geico | $2,893 | $3,872 | $6,246 | $2,893 |
| Liberty Mutual | $5,341 | $7,691 | $7,160 | $6,147 |
| Nationwide | $2,787 | $2,787 | $4,187 | $3,126 |
| Progressive | $3,257 | $4,232 | $3,469 | $3,840 |
| State Farm | $2,531 | $3,006 | $2,768 | $2,768 |
| Travelers | $2,217 | $2,843 | $3,142 | $2,728 |
| USAA | $1,949 | $2,922 | $3,434 | $2,418 |
Find Cheap Oneida, TN Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Oneida, Tennessee is higher than for a clean driving record. You can buy auto insurance after a DUI in Oneida for less when you shop around and compare rates from multiple Oneida, TN auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,919 |
| Farmers | $3,405 |
| Geico | $6,246 |
| Liberty Mutual | $7,160 |
| Nationwide | $4,187 |
| Progressive | $3,469 |
| State Farm | $2,768 |
| Travelers | $3,142 |
| USAA | $3,434 |
Winners by Category: Where to Buy Cheap Auto Insurance in Oneida, TN
Compare rates from the cheapest auto insurance companies in Oneida, TN for your needs. Take a look at how Oneida, Tennessee auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Travelers |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Oneida, Tennessee Auto Insurance Companies
If you’re looking for the cheapest Oneida, TN auto insurance companies overall, you can compare them here. Find the best price for Oneida, Tennessee car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,889 |
| Farmers | $3,148 |
| Geico | $3,976 |
| Nationwide | $3,222 |
| Progressive | $3,699 |
| State Farm | $2,768 |
| Travelers | $2,732 |
| USAA | $2,681 |
What affects Oneida, Tennessee auto insurance rates?
Local factors affect auto insurance rates in Oneida, TN, including traffic, theft statistics, and commute length. Take a look at the things that impact Oneida auto insurance rates.
Commute Times in Oneida
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Oneida, TN is 27.9 minutes according to City-Data.
Compare Auto Insurance Quotes in Oneida, TN
You can buy cheap Oneida, TN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Oneida, Tennessee auto insurance quotes from top companies.
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Frequently Asked Questions
What factors should I consider when looking for cheap auto insurance in Oneida, TN?
When searching for cheap auto insurance in Oneida, TN, consider the following factors: coverage options, deductible amounts, premium rates, discounts available, the financial stability of the insurance company, and customer reviews.
Is it possible to find cheap auto insurance without compromising coverage?
Yes, it is possible to find affordable auto insurance in Oneida, TN without compromising coverage. By comparing quotes from multiple insurance companies, exploring available discounts, and adjusting your coverage options and deductible amounts, you can often find a balance between affordability and sufficient coverage.
What are some pros of buying cheap auto insurance in Oneida, TN?
- Cost savings: Cheap auto insurance can help you save money on your premiums, allowing you to allocate your budget for other needs.
- Legal compliance: Maintaining at least the minimum required auto insurance coverage in Oneida, TN is mandatory, and cheap insurance helps you meet this requirement.
- Protection against financial risks: Even with lower premiums, insurance coverage can help protect you from significant financial burdens in the event of an accident or damage to your vehicle.
What are some cons of buying cheap auto insurance in Oneida, TN?
- Limited coverage: Cheap auto insurance policies may offer limited coverage options, which may not adequately protect you in certain situations.
- Higher deductibles: Lower premium rates often come with higher deductibles, meaning you’ll have to pay more out of pocket before your insurance coverage kicks in.
- Potentially unreliable companies: Some cheap insurance providers may have a history of poor customer service, delayed claim settlements, or financial instability. It’s important to research the insurance company’s reputation before purchasing a policy.
How can I find affordable auto insurance quotes in Oneida, TN?
To find affordable auto insurance quotes in Oneida, TN, you can take the following steps:
- Utilize online insurance comparison websites to compare quotes from different insurance companies.
- Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, as this can often lead to discounted rates.
- Inquire about available discounts, such as safe driver discounts, multi-vehicle discounts, or discounts for low mileage.
- Maintain a good credit score, as insurance companies may offer better rates to individuals with good credit.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.