Best Dandridge, Tennessee Auto Insurance in 2024 (Compare the Top 10 Companies)
State Farm, USAA, and Progressive are the best choices for our top and best Dandridge, Tennessee auto insurance, with competitive rates of around $75 per month. These amazing providers excel with comprehensive coverage options, affordable pricing, and outstanding military discounts for residents of Dandridge.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 27, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 27, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
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The leading choices for best Dandridge, Tennessee auto insurance, are State Farm, USAA, and Progressive, with State Farm standing out as the top selection starting at $75 per month.
We’ll cover factors affecting auto insurance rates in Dandridge, Tennessee, including driving record, credit, and commute time. This is crucial for finding the best auto insurance for military families and veterans.
Our Top 10 Company Picks: Best Dandridge, Tennessee Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 15% B Excellent Coverage State Farm
#2 10% A++ Military Discounts USAA
#3 12% A+ Flexible Options Progressive
#4 14% A Customizable Policies Farmers
#5 12% A Unique Discounts Liberty Mutual
#6 13% A+ Value Rewards Nationwide
#7 18% A++ Broad Coverage Travelers
#8 14% A+ Drivewise Program Allstate
#9 20% A+ Affordable Rates Erie
#10 12% A++ Personalized Service Auto-Owners
Before you buy Dandridge, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Dandridge, Tennessee auto insurance quotes.
- State Farm offers Dandridge auto insurance starting at $75/month
- Insurers provide affordable, tailored coverage for residents
- Companies excel in military discounts, adding value for eligible drivers
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: One of the best Dandridge, Tennessee auto insurance options, State Farm offers competitive rates starting at around $75 per month. A 15% bundling discount further enhances affordability for policyholders combining auto with other insurance products.
- Tailored Protection: As a top provider of top Dandridge, Tennessee auto insurance, State Farm offers customizable coverage options, including comprehensive and collision. These can be create to meet the specific requirements of drivers in the area.
- Excellent Customer Service: Highly regarded for exceptional customer service, State Farm is a trusted name in best Dandridge, Tennessee auto insurance. The company ensures smooth and efficient claims processing, even with its A.M. Best rating of B. For a complete list, read our State Farm review.
Cons
- Limited Discounts: While State Farm is a top choice for best Dandridge, Tennessee auto insurance, its discount offerings may be less extensive compared to competitors like Liberty Mutual. The 15% bundling discount, though competitive, might not be as generous as the 20% offered by Erie.
- Lack of Military Benefits: For military families seeking the best Dandridge, Tennessee auto insurance, State Farm’s lack of specific military discounts can be a drawback. USAA may offer more tailored benefits in this regard.
#2 – USAA: Best for Military Discounts
Pros
- Military Discounts: USAA stands out as the best Dandridge, Tennessee auto insurance for military families, offering exceptional discounts tailored to active-duty members, veterans, and their families. The company’s A++ A.M. Best rating underscores its reliability.
- High Client Satisfaction: Known for high customer satisfaction, USAA is a leading picks for the best Dandridge, Tennessee car insurance. The company excels in customer service and claims handling, which is crucial for maintaining trust.
- Specialized Military Coverage: USAA offers specialized military coverage, including deployment-specific policies, making it the best choice for the best Dandridge, Tennessee car insurance among military personnel. The 10% bundling discount adds to its appeal, which is covered in our USAA review.
Cons
- Restricted Membership: Despite being the best Dandridge, Tennessee auto insurance, USAA’s membership is restricted to some family members only, and limiting access to the general public.
- Limited Physical Offices: For those seeking best Dandridge, Tennessee auto insurance, USAA’s limited physical office locations might be a drawback, especially for customers who prefer in-person service.
#3 – Progressive: Best for Flexible Options
Pros
- Flexible Coverage: Progressive is a leader in best Dandridge, Tennessee auto insurance, offering flexible coverage options like the Name Your Price tool. This flexibility allows drivers to customize their policies to fit their budgets.
- Strong Online Tools: As a provider of best Dandridge, Tennessee auto insurance, Progressive offers robust online tools for policy management and claims filing. The 12% bundling discount adds further value for tech-savvy users.
- Variety of Discounts: With a variety of discounts, Progressive is a top choice for best Dandridge, Tennessee auto insurance. The company’s A+ A.M. Best rating reflects its reliability and commitment to customer satisfaction, which you can check out in our Progressive review.
Cons
- Lower Customer Service Ratings: While Progressive is known for best Dandridge, Tennessee auto insurance, its customer service ratings are slightly lower compared to competitors like State Farm. This could affect overall satisfaction for some policyholders.
- Variable Rates: For those seeking best Dandridge, Tennessee auto insurance, Progressive’s rates can vary significantly based on driving history, making pricing less predictable for some customers.
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#4 – Farmers: Best for Customizable Policies
Pros
- Customizable Policies: Farmers is a leading provider of best Dandridge, Tennessee auto insurance, known for its customizable policies. Drivers can choose specific coverage options that best meet their needs, making it a flexible choice.
- Unique Discounts: Offering unique discounts for professionals like teachers and first responders, Farmers is a top contender for best Dandridge, Tennessee auto insurance. The 14% bundling discount provides additional savings for combining policies.
- Roadside Assistance: As a provider of best Dandridge, Tennessee auto insurance, Farmers includes an excellent roadside assistance program in many of its policies. This feature is particularly beneficial for long-distance drivers. Read our Farmers review to learn what else is offered.
Cons
- Higher Premiums: While Farmers is a recognized provider of best Dandridge, Tennessee auto insurance, its premiums can be higher than those of competitors like Geico, especially for full coverage policies.
- Limited Discount Options: Despite being a top choice for best Dandridge, Tennessee auto insurance, Farmers offers fewer discounts compared to companies like Liberty Mutual or USAA, which could be a disadvantage for budget-conscious drivers.
#5 – Liberty Mutual: Best for Unique Discounts
Pros
- Eco-Friendly Discounts: Liberty Mutual is a top provider of best Dandridge, Tennessee auto insurance, offering unique discounts for eco-friendly drivers. These include savings for hybrid/electric vehicles and vehicles with safety features.
- Policy Add-Ons: Known for its comprehensive offerings, Liberty Mutual provides some of the best Dandridge, Tennessee auto insurance with policy add-ons like better car replacement. The 12% bundling discount enhances its appeal.
- Financial Strength: Liberty Mutual is a trusted name in best Dandridge, Tennessee auto insurance, backed by strong financial stability. Its A.M. Best rating of A confirms its ability to meet claims reliably. Read more in our review of Liberty Mutual.
Cons
- Higher Rates for High-Risk Drivers: Liberty Mutual, though a top provider of best Dandridge, Tennessee auto insurance, may charge higher rates for high-risk drivers. This can be a concern for those with less-than-perfect driving records.
- Inconsistent Customer Service: While offering some of the best Dandridge, Tennessee auto insurance, Liberty Mutual’s customer service has been reported as inconsistent by some policyholders, potentially affecting overall satisfaction.
#6 – Nationwide: Best for Value Rewards
Pros
- Value Rewards: Nationwide excels in providing best Dandridge, Tennessee auto insurance with programs like SmartRide that reward safe driving. This makes it an excellent choice for drivers looking for value-based rewards.
- Comprehensive Coverage: Offering a broad range of coverage options, Nationwide is a leader in best Dandridge, Tennessee auto insurance. Specialty coverages like gap insurance and accident forgiveness provide added peace of mind.
- Financial Reliability: Nationwide’s strong financial standing makes it a trusted provider of best Dandridge, Tennessee auto insurance. Its A+ A.M. Best rating ensures that policyholders can rely on the company to fulfill claims. Learn more through our Nationwide Auto Insurance Review.
Cons
- Higher Rates for Comprehensive Coverage: Despite offering some of the best Dandridge, Tennessee auto insurance, Nationwide’s rates for comprehensive coverage can be higher than some competitors, potentially limiting its affordability.
- Discount Eligibility Requirements: For those seeking best Dandridge, Tennessee auto insurance, Nationwide’s discount eligibility requirements may be more stringent compared to other providers, making it harder to qualify for certain savings.
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#7 – Travelers: Best for Broad Coverage
Pros
- Broad Coverage: Travelers offers broad coverage options, making it a top choice for best Dandridge, Tennessee auto insurance. Its comprehensive policies cater to a wide range of customer needs, ensuring thorough protection.
- Strong Financial Ratings: With an A++ A.M. Best rating, Travelers is a reliable provider of best Dandridge, Tennessee auto insurance. The company’s financial strength ensures that it can meet its claims obligations effectively.
- Significant Bundling Discount: Travelers provides an impressive 18% bundling discount, making it one of the best Dandridge, Tennessee auto insurance options for customers looking to combine multiple policies for maximum savings. Discover our Travelers review for a full list.
Cons
- Complex Policy Structures: While Travelers is a top provider of best Dandridge, Tennessee auto insurance, its policy structures can be complex, making it challenging for some customers to fully understand their coverage options.
- Higher Premiums for Full Coverage: Despite its strong reputation in best Dandridge, Tennessee auto insurance, Travelers may have higher premiums for full coverage compared to other providers like Geico or Progressive.
#8 – Allstate: Best for Drivewise Program
Pros
- Comprehensive Discounts: Allstate is a leading provider of best Dandridge, Tennessee auto insurance, offering a variety of discounts, including those for safe driving and multiple policies. The 10% bundling discount adds to its appeal.
- Drivewise Program: Allstate’s Drivewise program makes it a top contender for best Dandridge, Tennessee auto insurance. This program rewards safe driving with discounts and is a significant draw for cost-conscious drivers.
- Financial Stability: Backed by an A+ A.M. Best rating, Allstate is a reliable provider of best Dandridge, Tennessee auto insurance. Its financial strength ensures that policyholders can trust the company to handle claims efficiently. Find out more in our Allstate review.
Cons
- Higher Rates for New Drivers: While Allstate is known for best Dandridge, Tennessee auto insurance, it tends to have higher rates for new or young drivers, which might limit its attractiveness for this demographic.
- Mixed Customer Service Reviews: Despite being a top provider of best Dandridge, Tennessee auto insurance, Allstate has received mixed reviews for customer service, which could impact overall customer satisfaction.
#9 – Erie: Best for Affordable Rates
Pros
- Rate Lock Feature: Erie insurance offers a unique rate lock feature, making it a top choice for best Dandridge, Tennessee auto insurance. This feature allows customers to lock in their rates, avoiding unexpected premium increases.
- Excellent Customer Service: Erie is renowned for its excellent customer service, positioning it as a leader in best Dandridge, Tennessee auto insurance. The company’s high customer satisfaction ratings reflect its commitment to policyholders.
- Broad Coverage Options: Offering broad coverage options, Erie insurance is a standout provider of best Dandridge, Tennessee auto insurance. Its comprehensive policies cater to a wide range of needs, including young drivers and those with unique requirements.
Cons
- Limited Availability: Despite being a top provider of best Dandridge, Tennessee auto insurance, Erie Insurance is only available in select states, which might limit access for some potential customers, which you can learn about in our Erie review.
- Fewer Discounts: Erie offers fewer discounts compared to other providers of best Dandridge, Tennessee auto insurance, which could be a drawback for budget-conscious drivers seeking maximum savings.
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#10 – Auto-Owners: Best for Personalized Service
Pros
- High Customer Satisfaction: Auto-Owners Insurance consistently receives high ratings for customer satisfaction, making it a reliable provider of best Dandridge, Tennessee auto insurance. Their commitment to personalized service ensures a positive experience for policyholders.
- Comprehensive Coverage Options: Auto-Owners offers a wide range of coverage options, including some unique add-ons like rental car coverage and diminished value protection. This makes it a versatile choice for those looking for best Dandridge, Tennessee auto insurance.
- Bundle Discounts: Known for offering substantial discounts when bundling policies, Auto-Owners is an attractive option for those seeking best Dandridge, Tennessee auto insurance. The ability to bundle home, auto, and life insurance can lead to significant savings.
Cons
- Limited Online Tools: Unlike some other providers of best Dandridge, Tennessee auto insurance, Auto-Owners has fewer online tools and a less advanced mobile app, which might be a drawback for tech-savvy customers who prefer digital services.
- Availability: Auto-Owners Insurance operates through independent agents, which may limit direct access for some customers. This could be less convenient for those who prefer to manage their policies entirely online. Read more through our Auto-Owners insurance review.
Influencing Factors of Auto Insurance Rates in Dandridge, Tennessee
Auto insurance rates in Dandridge, Tennessee, are influenced by various local factors, making them higher or lower compared to other cities. Key elements include the area’s traffic patterns and the prevalence of vehicle theft, both of which can increase the likelihood of accidents or losses, thereby raising insurance premiums.
Dandridge, Tennessee Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $89 $245
Auto-Owners $85 $230
Erie $80 $220
Farmers $90 $240
Liberty Mutual $88 $235
Nationwide $82 $225
Progressive $85 $230
State Farm $80 $220
Travelers $87 $240
USAA $75 $210
Additionally, the average commute time plays a significant role; in Dandridge, the average commute is 24.9 minutes according to City-Data. Longer commutes generally correlate with higher insurance rates, as increased time on the road heightens the risk of accidents.
Some insurers offer a vanishing deductible program, which can be particularly beneficial in areas like Dandridge, as it rewards safe driving by reducing the deductible amount over time, potentially offsetting the impact of these local risk factors on your overall insurance costs.
Cheapest Dandridge, Tennessee Auto Insurance
When searching for the cheapest auto insurance companies in Dandridge, Tennessee, it’s crucial to compare cheap online auto insurance options from the top providers.
Companies like State Farm, Geico, and USAA often offer competitive pricing, but rates can fluctuate based on factors such as driving history, vehicle type, and coverage needs.
By comparing quotes from multiple insurers online, you can pinpoint which company offers the most affordable rates while still meeting your coverage requirements.
Additionally, evaluating discounts and customer service ratings will help you secure the best overall value for your auto insurance in Dandridge. Enter your ZIP code now to begin.
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Best Cheapest Dandridge, Tennessee Auto Insurance by Category
To find the most affordable auto insurance in Dandridge, Tennessee, it’s crucial to compare insurance companies across various categories, as each company may excel in different aspects.
Begin by evaluating the cheapest auto insurance providers in Dandridge according to specific categories such as liability coverage, collision coverage, comprehensive auto insurance coverage, and uninsured motorist coverage.
By analyzing the rates and benefits offered in each category, you can identify the company that provides the best overall value tailored to your personal needs.
This approach ensures that you not only find the lowest rates but also secure comprehensive coverage that aligns with your driving habits and financial situation.
Dandridge, Tennessee Minimum Auto Insurance
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of coverage that provides financial protection against losses incurred as a result of owning or operating a vehicle.
It can help cover the costs associated with accidents, vehicle damage, injuries, and liabilities. Enter your ZIP code now to begin comparing.
Why do I need auto insurance in Dandridge, TN?
Auto insurance is required by law in Tennessee, including Dandridge. It helps protect you and others financially in case of an accident.
Additionally, it provides coverage for vehicle repairs, medical expenses, and potential legal liabilities that may arise from accidents.
How much auto insurance coverage do I need in Dandridge, TN?
The amount of coverage you need may depend on various factors, including your budget, the value of your vehicle, and your personal circumstances.
However, Tennessee law requires minimum liability coverage of 25/50/15, which means $25,000 for bodily injury per person, $50,000 for bodily injury liability insurance per accident, and $15,000 for property damage per accident.
Are there any specific auto insurance requirements in Dandridge, TN?
Dandridge follows the auto insurance requirements set by the state of Tennessee. The minimum requirements include liability coverage for bodily injury and property damage.
Additionally, uninsured/underinsured motorist coverage is strongly recommended, although not mandatory.
What factors make State Farm an excellent choice for the best Dandridge, Tennessee auto insurance?
State Farm is known for providing excellent coverage, which is why it’s a top choice for the best Dandridge, Tennessee auto insurance.
Their bundling discount of 15% can also help customers save on multiple policies. Enter your ZIP code now to begin.
How does USAA’s military discount benefit policyholders in Dandridge, Tennessee?
USAA offers a 10% discount for military members, making it highly attractive for those who serve or have served in Dandridge, Tennessee. Their A++ rating also reflects their strong financial stability and customer satisfaction.
What unique discounts does Liberty Mutual offer to drivers in Dandridge, Tennessee?
Liberty Mutual provides unique discounts that cater to various customer needs, making it a strong contender for the best Dandridge, Tennessee auto insurance.
Notably, they offer the best good student auto insurance discount, which rewards young drivers for their academic achievements, helping families save on their premiums. Their 12% bundling discount is another advantage for policyholders looking to save.
Why might Travelers be a top pick for broad coverage in Dandridge, Tennessee?
Travelers stands out for offering broad coverage options, making it a top pick for comprehensive protection in Dandridge, Tennessee.
With an 18% bundling discount, it’s also one of the most generous providers for combining policies. Enter your ZIP code now to begin.
How does Erie stand out in offering affordable rates for the best Dandridge, Tennessee auto insurance?
Erie is well-regarded for offering some of the most affordable rates in the market, making it a great option for the best Dandridge, Tennessee auto insurance.
Their 20% bundling discount further enhances their appeal for budget-conscious drivers, especially when considering auto insurance rates by age.
Younger drivers, who often face higher premiums, can benefit significantly from such discounts by combining their auto insurance with other policies. This can make insurance more affordable and manageable.
What personalized services does Auto-Owners Insurance provide that appeal to drivers in Dandridge, Tennessee?
Auto-Owners Insurance provides personalized service, which is a key reason it’s favored by many drivers in Dandridge, Tennessee.
Their 12% bundling discount adds to the value, particularly for those seeking a tailored insurance experience.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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.
