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Cheapest Auto Insurance in Franklin, Tennessee (2024)

State Farm offers the cheapest car insurance in Franklin, with a liability quote of $19 per month.

Katie Powers
Editado porKatie Powers
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Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

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Actualizado el 2 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en Tennessee

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $22/mes para solo responsabilidad y $51/mes para cobertura total en Tennessee.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

The average monthly cost of car insurance in Franklin is $110, which is well below the overall national average of $159.

Franklin is a suburb of Nashville with a relatively small population of about 87,000, which could contribute to its low rates. However, location isn’t the only factor that determines your auto insurance rates. Your age, driving history, and credit tier also play a role. The best way to find cheap rates is to compare quotes from multiple insurers.

Here’s what you need to know about buying car insurance in Franklin.

Datos Breves

  • State Farm, USAA, and GEICO offer the cheapest car insurance rates in Franklin.

  • On average, Franklin drivers with a past incident on their record pay $146 per month for car insurance.

  • Tennessee is an at-fault state, meaning the driver responsible for a car accident must cover the other party’s resulting medical bills and vehicle repairs.[1]

3 of the cheapest car insurance companies in Franklin

State Farm, GEICO, and Auto-Owners are the three cheapest car insurance companies in Franklin. However, the best auto insurance company for you will depend on your driving profile, budget, insurance needs, and more. For example, State Farm is the better option for teen drivers, while Auto-Owners is the best choice for drivers with classic cars.

The average rates below reflect statewide costs in Tennessee.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.5$46$22Teen drivers
GEICO4.2$60$28Good drivers
Auto-Owners4.0$63$30Classic car owners
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$19/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$40/mo

If you need to insure a teen driver, State Farm is a great option. Young drivers can save up to 25% by choosing State Farm. Young adults can save by taking advantage of a good student discount, driving training discount, or student-away-at-school discount.

Ventajas

  • Best option for teen drivers

  • Above-average J.D. Power customer satisfaction rating in the Southeast region

Contras

  • Policies only available through an insurance agent

  • Doesn’t offer gap insurance

Read our State Farm review
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.
Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.
Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.
…

Best insurer for good drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$25/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$52/mo

GEICO is one of the best car insurance policies for Franklin residents with a good driving history. You can save up to 22% on your car insurance by remaining accident-free for five years. You can also earn discounts for wearing your seat belt or taking a defensive driving course.

Ventajas

  • Wide variety of discounts

  • Personalized coverage options

Contras

  • May be more expensive for high-risk drivers

  • Limited in-person service

Read our GEICO review
Holly - April 30, 2024
Verified

Long-Time Customer Treated Poorly!

We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!
Elizabeth - April 25, 2024
Verified

Excellent

It has always been great.
Andrew - April 24, 2024
Verified

AI-Run, Money-Hungry Company

The customer service is poor and very unprofessional. It's impossible to speak to an agent.
…

Best insurer for classic car owners: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$26/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo

Auto-Owners is the cheapest option for classic or antique vehicle owners. Classic vehicles require personalized coverage, which is why Auto-Owners offers a purchase price guarantee to protect your investment. This means that you’ll receive the agreed-upon value from your insurer in the event of a total loss.

Ventajas

  • Coverage for classic car owners

  • Many available discounts

Contras

  • Below-average J.D. Power customer satisfaction rating in the Southeast region[2]

  • Online quotes not available

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

How to get the cheapest car insurance in Franklin

Insurance companies consider many factors when determining your car insurance premium, including your age, ZIP code, marital status, and risk level.

Here are five ways to find cheap car insurance in Franklin:

  • Take advantage of discounts. Most car insurance companies offer discounts to help you save money on car insurance. For example, you can save by bundling your auto insurance with homeowners insurance or renters insurance.

  • Increase your deductible. When you file a claim, you’ll pay an out-of-pocket deductible before your insurance kicks in. Raising your deductible is an easy way to save money on your car insurance premiums. Just make sure you’re comfortable paying your deductible amount if you need to file a claim.

  • Adjust your coverage. Review your auto insurance routinely, especially as your situation changes. You may be able to save money by getting rid of coverages you no longer need.

  • Maintain a good credit score. Most insurance companies look at your credit score to help determine your auto insurance premiums. Maintaining good to excellent credit will help you lower your rates.

  • Compare your options. It’s a good idea to shop around and apply for quotes from at least three different insurance companies. You can use an online comparison tool to easily see which companies offer the best rates and auto insurance policies for you.[3]

Find Cheap Car Insurance in Franklin, Tennessee

Liability quotes start at $19 per month

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Cheapest liability-only car insurance in Franklin: State Farm

If you cause an auto accident, liability insurance covers damages and injuries for the other driver. But it won’t pay for any damages to your vehicle or injuries you sustain. It provides the minimum level of coverage required in Tennessee.

State Farm offers the cheapest liability-only policies in Franklin, at $19 per month.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
State Farm19
USAA23
GEICO25
Auto-Owners26
Travelers26
Erie29
Mile Auto34
Allstate36
Farmers38
Safeco41
Nationwide47
Progressive52
Chubb55
Midvale Home & Auto61
Dairyland62
National General64
State Auto65
Liberty Mutual67
Elephant73
Direct Auto79
GAINSCO89
The General105
Bristol West126
Foremost133
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Franklin: State Farm

Full-coverage insurance provides coverage for you and the other driver if you have a car accident. It includes liability, comprehensive, and collision insurance and is the most robust coverage you can get.

Drivers can find the cheapest full-coverage insurance in Franklin from State Farm, with rates of $40 per month.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
State Farm40
USAA48
GEICO52
Auto-Owners55
Erie59
Mile Auto60
Travelers72
Allstate74
Farmers79
Safeco92
Nationwide97
Progressive107
Midvale Home & Auto109
Chubb114
Elephant115
Liberty Mutual141
State Auto145
National General147
Direct Auto170
The General173
Dairyland174
GAINSCO237
Foremost251
Bristol West303
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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Car insurance requirements in Tennessee

Tennessee state law requires drivers to meet the following minimum coverage requirements:[4]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Tennessee drivers can consider adding the following optional coverages for more vehicle protection:

Cheapest car insurance for drivers with an incident

Your driving history is one of the biggest factors that determines your car insurance rates. If you have a history of traffic violations like speeding tickets, driving under the influence (DUI), or at-fault accidents, you can expect to pay more for auto insurance.

On average, Franklin drivers with a past incident pay $98 per month for liability car insurance. In Tennessee, moving traffic violations result in driver’s license points. Having more points on your record can result in higher car insurance costs.[5]

Here’s what you can expect to pay in Franklin for liability car insurance based on your driving history.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm19242531
USAA23293137
GEICO25323440
Auto-Owners26343642
Travelers26343642
Erie29414243
Mile Auto34485155
Allstate36464958
Farmers38495261
Safeco41576066
Nationwide47616476
Progressive52697384
Chubb55717589
Dairyland628286100
National General648288103
Liberty Mutual679297108
Elephant7394100118
Direct Auto79104110127
GAINSCO89111119144
The General105139147169
Bristol West126164171203
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average cost of car insurance by age

Age is another factor affecting your car insurance rates. Teen drivers typically pay the highest rates by driver age. This is largely because young drivers have less experience behind the wheel and a higher crash fatality rate than other age group.

Auto insurance rates generally start to decrease for drivers around age 35. Senior drivers older than 70 tend to see slight increases in rates due to aging-related risk factors.

Here’s what you can expect to pay for insurance based on your age in Franklin.

AgeAverage Monthly Quote
Teens$254
20s$314
30s$293
40s$248
50s$186
60s$130
70s$97
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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Franklin car insurance quotes by credit tier

Tennessee law allows insurers to consider your credit-based insurance score. People with excellent or good credit scores typically pay lower insurance rates than drivers with poor credit scores.

Here are the average monthly full-coverage insurance rates for each credit tier in Franklin.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Franklin car insurance FAQs

Before you start shopping around for car insurance, you should determine the amount of auto coverage you need. The following information should help you navigate the process of finding cheap car insurance in Franklin.

  • How much is car insurance in Franklin?

    The overall average cost of car insurance in Franklin is $110 per month. On average, Franklin drivers pay $74 for liability coverage and $147 for full-coverage insurance per month.

  • Which company has the cheapest car insurance in Franklin?

    With a liability rate of $19 per month, State Farm is the cheapest insurer in Franklin. USAA and GEICO also offer some of the lowest rates in Franklin, with liability rates of $23 and $25.

    The best way to find cheap car insurance is to compare quotes from multiple car insurance companies.

  • What are the best car insurance companies in Franklin?

    With an Insurify Quality (IQ) Score of 4.5 out of 5, great coverage offerings, and an A++ (Superior) financial strength rating from AM Best, State Farm is the best car insurance company in Franklin. Tennessee drivers with coverage from State Farm pay $22 per month for liability insurance and $46 for full-coverage insurance, on average.

    Other top insurers include GEICO and Auto-Owners.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. NOLO. "Tennessee Car Insurance Requirements and Laws."
  2. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  3. Insurance Information Institute. "How to save money on car insurance."
  4. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  5. Department of Safety & Homeland Security. "Schedule of Points Values."

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