Franklin drivers pay an average of $1,953/year — $182 more than the national average. With 1,056 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $417/year.
(888) 217-6781Estimated full coverage auto insurance rates for Franklin, TN from top carriers. Rates are adjusted for Franklin's 1,056 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $743 | $124/mo |
| Tennessee Farmers | $806 | $134/mo |
| Progressive | $835 | $139/mo |
| State Farm | $911 | $152/mo |
| Allstate | $1,114 | $186/mo |
Estimates based on 2026 rate filings for ZIP 37069. GEICO is cheapest at ~$124/mo. Actual rates vary by driver profile and exact Franklin location.
These Franklin-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Franklin, TN. Takes under 2 minutes.
(888) 217-6781With 83,454 residents, Franklin is a growing community in Tennessee where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like severe thunderstorms, tornadoes, flooding, ice storms and commuter corridors still influence premiums. Franklin drivers often find rates slightly below the Tennessee state average.
For official Tennessee insurance regulations, visit the Tennessee Department of Commerce and Insurance. For driver licensing, see the Tennessee Driver Services.
Your specific ZIP code within Franklin can swing your premium by hundreds of dollars. Here's how rates compare across Franklin neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 37078 | Franklin South Side | $1,873/yr | $156/mo |
| 37070 | Franklin North Side | $1,902/yr | $159/mo |
| 37085 | Franklin West Side | $1,944/yr | $162/mo |
| 37073 | Franklin East Side | $1,965/yr | $164/mo |
| 37069 | Franklin Downtown/Central | $2,076/yr | $173/mo |
The cheapest ZIP is 37078 (Franklin South Side) at $1,873/yr. The most expensive is 37069 (Franklin Downtown/Central) at $2,076/yr — a $203/year difference for the same driver.
Your Franklin ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Franklin. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,101/yr | $342/mo | +110% vs avg |
| Young Adult (20-25) | $2,734/yr | $228/mo | +40% vs avg |
| Adult (26-35) | $1,953/yr | $163/mo | 0% vs avg |
| Mid-Career (36-50) | $1,719/yr | $143/mo | -12% vs avg |
| Senior (51-65) | $1,621/yr | $135/mo | -17% vs avg |
| 65+ | $1,738/yr | $145/mo | -11% vs avg |
Teens in Franklin pay an average of $4,101/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,621/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Tennessee cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Franklin drivers can save up to $417/year. ZIP 37078 (Franklin South Side) has the lowest rates starting at $1,873/yr.
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