Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
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Tennessee Farm Bureau offers the cheapest full coverage in Tennessee , with an average rate of $1,049 per year according to NerdWallet's August 2024 analysis.
Full coverage in Tennessee costs an average of $1,839 per year, or $153 per month.If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Tennessee is $445 per year, or $37 per month.
Auto insurance is an important purchase, but finding cheap car insurance isn’t always easy. NerdWallet found some of the cheapest car insurance companies in Tennessee to help you compare rates and get a better deal for your coverage.
Keep reading to find the cheapest car insurance in Tennessee for different driver profiles and coverage types among:
Here's the cheapest full coverage car insurance in Tennessee for 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Tennessee Farm Bureau | $1,049 |
| After a DUI | Tennessee Farm Bureau | $1,669 |
| After an accident | Tennessee Farm Bureau | $1,049 |
| After a speeding ticket | Tennessee Farm Bureau | $1,049 |
| Having poor credit | Tennessee Farm Bureau | $1,212 |
The cheapest car insurance company in Tennessee is Tennessee Farm Bureau at $1,049 per year on average, or $87 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Tennessee . Meanwhile, the average cost of full coverage car insurance in Tennessee is $1,839 per year, or about $153 per month.
Minimum coverage in Tennessee is $445 per year on average, but we found you can likely get a cheaper policy. For example, Tennessee Farm Bureau offers the cheapest rates in Tennessee at $260 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
Did your rates go up? Auto insurance prices are on the rise in Tennessee. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest Tennessee cities, including:
Below are the cheapest insurers in Knoxville for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Knoxville .
| Category | Cheapest Company | Median annual rate |
|---|---|---|
| Clean driving history | Tennessee Farm Bureau | $1,017 |
| After a DUI | Tennessee Farm Bureau | $1,618 |
| After an accident | Tennessee Farm Bureau | $1,017 |
| After a speeding ticket | Tennessee Farm Bureau | $1,017 |
| Having poor credit | Tennessee Farm Bureau | $1,175 |
Below are the cheapest insurers in Memphis for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Memphis .
| Category | Cheapest Company | Median annual rate |
|---|---|---|
| Clean driving history | Tennessee Farm Bureau | $1,315 |
| After a DUI | Tennessee Farm Bureau | $2,097 |
| After an accident | Tennessee Farm Bureau | $1,315 |
| After a speeding ticket | Tennessee Farm Bureau | $1,315 |
| Having poor credit | Tennessee Farm Bureau | $1,522 |
Below are the cheapest insurers in Nashville for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Nashville .
| Category | Cheapest Company | Median annual rate |
|---|---|---|
| Clean driving history | Travelers | $1,160 |
| After a DUI | Travelers | $1,800 |
| After an accident | Tennessee Farm Bureau | $1,201 |
| After a speeding ticket | Tennessee Farm Bureau | $1,201 |
| Having poor credit | Tennessee Farm Bureau | $1,389 |
NerdWallet’s editorial team analyzed car insurance rates from 20 auto insurers in Tennessee and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE . For minimum coverage, we looked at rates that reflect the minimum requirements in Tennessee. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person. $300,000 bodily injury liability per accident. $50,000 property damage liability per accident. $100,000 uninsured motorist coverage per person. $300,000 uninsured motorist coverage per accident. Collision coverage with a $1,000 deductible. Comprehensive coverage with a $1,000 deductible. Why you can trust NerdWalletOur writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Tennessee where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance . Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers , so it's best to shop around to find them.
Drivers in Tennessee with clean driving records may want to consider the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Travelers | $2,065 | $172 |
| Tennessee Farm Bureau | $2,279 | $190 |
| Erie | $2,296 | $191 |
| Geico | $2,442 | $204 |
| Auto-Owners | $3,142 | $262 |
Drivers in Tennessee who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Travelers | $495 | $41 |
| Erie | $617 | $51 |
| Tennessee Farm Bureau | $636 | $53 |
| Geico | $671 | $56 |
| Progressive | $832 | $69 |
Drivers with poor credit in Tennessee should look at the following insurers with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Travelers | $712 | $59 |
| Tennessee Farm Bureau | $734 | $61 |
| Geico | $936 | $78 |
| Allstate | $1,185 | $99 |
| Erie | $1,265 | $105 |
For drivers with a recent speeding ticket in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Travelers | $593 | $49 |
| Tennessee Farm Bureau | $636 | $53 |
| Erie | $685 | $57 |
| Geico | $717 | $60 |
| Progressive | $899 | $75 |
For drivers with a recent accident in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Travelers | $638 | $53 |
| Tennessee Farm Bureau | $705 | $59 |
| Erie | $838 | $70 |
| Geico | $853 | $71 |
| Progressive | $911 | $76 |
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Travelers | $678 | $57 |
| Progressive | $871 | $73 |
| Erie | $955 | $80 |
| Tennessee Farm Bureau | $1,008 | $84 |
| Geico | $1,110 | $93 |
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts .
Drivers in Tennessee seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $1,111 | $93 |
| Erie | $1,220 | $102 |
| Travelers | $1,260 | $105 |
| Geico | $1,275 | $106 |
| Westfield | $1,469 | $122 |
Drivers in Tennessee who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $274 | $23 |
| Erie | $298 | $25 |
| Westfield | $304 | $25 |
| Travelers | $325 | $27 |
| Auto-Owners | $334 | $28 |
Drivers with poor credit in Tennessee should consider the following companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $315 | $26 |
| Westfield | $402 | $34 |
| Travelers | $484 | $40 |
| Geico | $493 | $41 |
| Safe Auto | $588 | $49 |
For drivers with a recent speeding ticket in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $274 | $23 |
| Westfield | $304 | $25 |
| Erie | $312 | $26 |
| Travelers | $381 | $32 |
| Geico | $438 | $37 |
For drivers in Tennessee with a recent accident, here are the lowest average rate options for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $274 | $23 |
| Travelers | $378 | $32 |
| Erie | $452 | $38 |
| Geico | $565 | $47 |
| State Farm | $571 | $48 |
For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Travelers | $428 | $36 |
| Tennessee Farm Bureau | $429 | $36 |
| Progressive | $466 | $39 |
| Erie | $572 | $48 |
| Geico | $638 | $53 |
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance , which charges drivers by how many miles they drive.
Drivers in Tennessee with clean driving records may want to think about the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $1,001 | $83 |
| Erie | $1,090 | $91 |
| Travelers | $1,126 | $94 |
| Geico | $1,207 | $101 |
| Auto-Owners | $1,435 | $120 |
Drivers in Tennessee who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $253 | $21 |
| Erie | $264 | $22 |
| Westfield | $300 | $25 |
| Travelers | $310 | $26 |
| Auto-Owners | $329 | $27 |
Drivers with poor credit in Tennessee can check out the following insurers with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $290 | $24 |
| Westfield | $397 | $33 |
| Travelers | $457 | $38 |
| Geico | $483 | $40 |
| Safe Auto | $534 | $45 |
For drivers with a recent speeding ticket in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $253 | $21 |
| Erie | $276 | $23 |
| Westfield | $300 | $25 |
| Travelers | $371 | $31 |
| Geico | $432 | $36 |
For drivers with a recent accident living in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $253 | $21 |
| Travelers | $378 | $32 |
| Erie | $398 | $33 |
| Progressive | $527 | $44 |
| Geico | $560 | $47 |
The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $395 | $33 |
| Travelers | $417 | $35 |
| Progressive | $419 | $35 |
| Erie | $507 | $42 |
| Geico | $641 | $53 |
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Drivers in Tennessee with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $907 | $76 |
| Erie | $1,005 | $84 |
| Travelers | $1,089 | $91 |
| Geico | $1,156 | $96 |
| Westfield | $1,338 | $112 |
Drivers in Tennessee who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $235 | $20 |
| Erie | $244 | $20 |
| Westfield | $274 | $23 |
| Travelers | $306 | $26 |
| Auto-Owners | $307 | $26 |
Drivers with poor credit in Tennessee can check with the following companies, which showed the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $270 | $23 |
| Westfield | $363 | $30 |
| Geico | $448 | $37 |
| Travelers | $456 | $38 |
| Safe Auto | $494 | $41 |
For drivers with a recent speeding ticket in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $235 | $20 |
| Erie | $256 | $21 |
| Westfield | $274 | $23 |
| Travelers | $368 | $31 |
| Progressive | $407 | $34 |
For drivers living in Tennessee with a recent accident, here are the insurers with the lowest average minimum coverage rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $235 | $20 |
| Erie | $369 | $31 |
| Travelers | $370 | $31 |
| Progressive | $500 | $42 |
| Geico | $538 | $45 |
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $368 | $31 |
| Progressive | $389 | $32 |
| Travelers | $417 | $35 |
| Erie | $468 | $39 |
| American National | $618 | $52 |
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors , drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $836 | $70 |
| Erie | $918 | $76 |
| Travelers | $1,014 | $85 |
| Geico | $1,151 | $96 |
| Westfield | $1,298 | $108 |
Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $230 | $19 |
| Erie | $238 | $20 |
| Westfield | $266 | $22 |
| Travelers | $303 | $25 |
| Auto-Owners | $305 | $25 |
Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $263 | $22 |
| Westfield | $351 | $29 |
| Travelers | $442 | $37 |
| Geico | $453 | $38 |
| Safe Auto | $488 | $41 |
For drivers with a recent speeding ticket in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $230 | $19 |
| Erie | $250 | $21 |
| Westfield | $266 | $22 |
| Travelers | $372 | $31 |
| Progressive | $403 | $34 |
For drivers with a recent accident living in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $230 | $19 |
| Erie | $364 | $30 |
| Travelers | $379 | $32 |
| Progressive | $497 | $41 |
| State Farm | $524 | $44 |
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $358 | $30 |
| Progressive | $385 | $32 |
| Travelers | $418 | $35 |
| Erie | $464 | $39 |
| American National | $576 | $48 |
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $908 | $76 |
| Erie | $1,068 | $89 |
| Travelers | $1,109 | $92 |
| Westfield | $1,431 | $119 |
| Auto-Owners | $1,491 | $124 |
Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $259 | $22 |
| Erie | $264 | $22 |
| Westfield | $294 | $25 |
| Travelers | $347 | $29 |
| Progressive | $381 | $32 |
Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $298 | $25 |
| Westfield | $389 | $32 |
| Travelers | $518 | $43 |
| Erie | $540 | $45 |
| Geico | $541 | $45 |
For drivers with a recent speeding ticket in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $259 | $22 |
| Erie | $277 | $23 |
| Westfield | $294 | $25 |
| Travelers | $445 | $37 |
| Progressive | $468 | $39 |
For drivers with a recent accident living in Tennessee , here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $259 | $22 |
| Erie | $404 | $34 |
| Travelers | $456 | $38 |
| State Farm | $568 | $47 |
| Westfield | $576 | $48 |
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Tennessee Farm Bureau | $406 | $34 |
| Progressive | $435 | $36 |
| Travelers | $508 | $42 |
| Erie | $514 | $43 |
| State Farm | $660 | $55 |
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 68 of the 70 driver profiles we examined.
Tennessee law requires liability car insurance for all drivers living in the Volunteer State. If you cause a crash, this coverage kicks in to pay others’ injury treatment and property damage, up to your limit.
The state’s minimum liability limits are:
$25,000 bodily injury liability per person. $50,000 bodily injury liability per accident. $15,000 property damage liability per accident.A serious crash could easily result in damages that surpass these limits. To avoid paying out-of-pocket costs, consider selecting more than the bare minimum. You might also benefit from adding optional coverages such as collision, comprehensive and uninsured motorist insurance.
Check out NerdWallet’s guide to car insurance requirements by state for more detail on common coverage options in Tennessee and how they work.
» MORE: The best home insurance in Tennessee
If you’re denied car insurance on the voluntary market due to past violations, crashes, poor credit or other reasons, you can apply for coverage via the Tennessee Automobile Insurance Plan .
For more help finding cheap car insurance in Tennessee, try NerdWallet’s car insurance comparison tool.
About the authorYou’re following Ben Moore
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Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee. See full bio.
MethodologyFor our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person. $300,000 bodily injury liability per accident. $50,000 property damage liability per accident. $100,000 uninsured motorist coverage per person. $300,000 uninsured motorist coverage per accident. Collision coverage with a $1,000 deductible. Comprehensive coverage with a $1,000 deductible.In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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