Auto quotes from 25+ companies, side by side, are how Freedom Insurance Group serves Bartlett, TN.
About Bartlett
Roughly 58,579 people live in Bartlett, part of the Memphis metro area.
Bartlett sits in the Memphis metro area, where day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Memphis metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Tornado and severe-storm risk often show up in Tennessee pricing, and flood questions arise near rivers and low ground.
Average Bartlett, Tennessee car insurance rates
Figures on this page are illustrative estimates and averages for comparison only, not a guaranteed price. What you actually pay comes down to the drivers, the vehicles, the ZIP code, limits and deductibles, credit (where allowed), and claims history.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,002.11 |
| 20s | $119.68 |
| 30s | $115.41 |
| 40s | $127.29 |
| 50s | $115.41 |
| 60s | $99.22 |
| 70+ | $105.04 |
Cheapest car insurers for Bartlett, TN drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Kemper BVP | $143.35 |
| 2 | Lumen Select | $150.06 |
| 3 | Bristol West | $151.90 |
| 4 | GEICO | $153.91 |
| 5 | Travelers | $157.87 |
| 6 | Safeco | $158.52 |
| 7 | Progressive | $159.22 |
| 8 | Allstate | $164.64 |
| 9 | GAINSCO | $169.75 |
| 10 | National General NS | $173.82 |
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Bartlett, Tennessee | $154.99 |
Check Out Other Rates in Bartlett, TN Nearby Cities:
Coverage basics for Bartlett drivers
Protect others you injure, and protect yourself when the at-fault driver is underinsured. Higher limits often justify the added cost.
In severe-weather ZIP codes this is critical: your car is repaired after crashes and non-crash losses such as hail or theft.
In Tennessee, minimum liability is the legal floor, yet it rarely matches the cost of a serious injury or a newer financed car. The list below can serve as your checklist for comparing Bartlett quotes.
- Liability for bodily injury & property damage: If a crash is your fault, it pays the other side. A long, traffic-heavy commute, savings, or home equity all argue for look at higher limits.
- Collision: Pays to repair your vehicle after a crash with another car or object, minus your deductible.
- Comprehensive: Handles damage that is not from a collision, including theft, hail, cracked glass, and animal strikes, an important coverage where severe weather is common.
- UM/UIM (uninsured / underinsured): Your protection if an at-fault driver has no insurance or too little. Before turning down UM/UIM, ask how it works in your state.
- Medical payments (or PIP): State rules govern availability and stacking, but the idea is simple: help with medical bills for you and passengers after an accident.
- Rental reimbursement: When a covered claim puts your car in the shop, it helps pay for a rental.
- Roadside help: Added to the auto policy, it can cost less than a separate club membership and covers towing, battery, and lockout help.
- Higher liability limits & umbrella coordination: Umbrella policies come with underlying limit requirements, so check that your auto limits meet them.
Lenders and lessors will almost always require collision and comprehensive on vehicles in Bartlett. On an older car with no loan, we can model dropping collision, as long as the out-of-pocket risk is clear. Hail and glass deductibles deserve a second look in storm-prone ZIP codes.
Bartlett driving and insurance context
Roughly 58,579 people live in Bartlett, part of the Memphis metro area. The resident count is roughly 58,579. Tornado and severe-storm risk often show up in Tennessee pricing, and flood questions arise near rivers and low ground.
Annual mileage and garaging ZIP both factor into underwriting since commutes from Bartlett often combine arterials and highway. Foggy river corridors, low-spot flooding, and severe storms shape local comprehensive claims, and over time they shape the rates carriers file for nearby ZIP codes. Similar vehicles do not guarantee similar premiums: prior claims, the exact garaging address, how the car is built, and a credit-based score where allowed all move the quote.
If you are new to Memphis metro, take a few minutes to confirm how you use the vehicle. Rates respond more to who drives and how than a minor trim difference: teen drivers, rideshare work, and highway-heavy commutes each change the rating story. When you request a quote, tell us how the car is really driven so we can match carriers that price that profile well.
Often underestimated in Bartlett: the link between safety equipment, ownership length, and discounts. Some carriers reward anti-theft devices or automatic emergency braking more than another, and continuous coverage varies the same way. Skip re-entering one application on ten sites: let an independent agent translate those differences into a shortlist.
One practical step: have the declarations pages from your current policy within reach. A true side-by-side comparison in Bartlett is quickest to build from limits, deductibles, and listed drivers. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
How to lower your car insurance rates in Bartlett
Good rate shopping looks past the lowest binder price. The durable wins usually come from cleaning up garaging address accuracy and listed drivers before you compare, then re-checking the market every policy term.
- Shop several carriers at each renewal. Carrier appetite changes after storm seasons and loss trends. Bartlett rankings change: last year’s lowest price may not lead today.
- Let the math decide on bundling. Look at the total for home and auto together, not just the auto premium; combining is worth it only when the total is lower. Begin the process at /get-a-quote/auto-quote, and note any renters or homeowners policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,002.11, far above adult buckets near $99. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Choose telematics thoughtfully. Usage-based plans can reward gentle acceleration and low overnight mileage, but hard braking and late-night driving can cancel the discount.
- Keep coverage continuous. A lapse, even a short one, tends to cost more than the months you skipped.
- Get the garaging address right. If the car sleeps in Bartlett but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Stacked together they matter, even if each is minor.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. Bring those details to your Bartlett quote review so underwriting does not fill in blanks.
Discounts to ask about when you live in Bartlett
- Multi-policy — auto plus home or renters coverage.
- Multi-car discount — more than one vehicle with the same carrier.
- Claims-free / safe driver — clean records often price better.
- Good student and driver training — valuable when teens are rated.
- Usage-based / telematics — optional programs that reward safer habits.
- Paid-in-full, autopay, and paperless — small credits that still stack.
- Anti-theft & safety equipment — depending on the vehicle and carrier.
Discounts are not a substitute for shopping. On one Bartlett driver, two carriers with similar credits can still be fifty dollars apart.
Mixed driving records and multi-car households
Assigning drivers carefully matters in Bartlett homes with more than one car. The most expensive driver on the most expensive car is a common self-inflicted premium spike. We model assignments across carriers because not every company rates household drivers identically.
Recent tickets and minor accidents surface in underwriting, so never leave one out; look for markets that are more forgiving of it. Being stuck inside one company’s rules is what an independent agency gets you out of.
What moves a Bartlett auto quote
Carriers weighing applications from Bartlett look past the sticker price of the vehicle. Prior bodily injury claims, comprehensive weather losses, and lapses in coverage can outweigh a clean credit file. With a fairly new vehicle, long continuous coverage and low estimated annual miles can soften the rate.
Working from home part of the week? Your mileage estimate may need updating. Mileage estimates from an old job still sit on many Bartlett policies, leaving households paying for miles they no longer drive. The opposite is also true: if you added a longer Memphis metro commute, update the application before a claim creates a mismatch.
How Freedom Insurance Group works for Bartlett drivers
Carrier ratings and appointments differ by product line, so we confirm which companies can actually quote you. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Bartlett and the wider Memphis metro area.
Reach us at (800) 253-1482, or open a free auto quote on the website. If you also need homeowners coverage, start on the home quote form and we will review bundling options without pressure.
We will ask about drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. These page averages become a shortlist of bindable options for your household only through that discovery step.
Bartlett by the numbers: commuting, vehicles, and weather
Bartlett workers spend about 24 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. Of all workers, 80% drive alone, 7.3% carpool, and 11% work from home. Given the remote-work share, the mileage estimate deserves a fresh look.
NOAA’s Storm Events Database lists 26 hail reports within about 7 miles of Bartlett from 2016 through 2025. The biggest hail reported was 1.75 inches near Lenow in April 2025. Stones that large can dent hoods and roofs and chip glass, and those claims go through comprehensive. The same database has 8 flash-flood reports nearby, the latest in September 2025; flood damage to a car is covered under comprehensive, not collision.
Census estimates (2020–2024) put about 56,876 people in Bartlett, on roughly 33 square miles of land, which works out to about 1,743 per square mile. Memphis, about 12 miles southwest, is the nearest Tennessee city above 100,000 people. Frequent drives to Memphis should be counted in your mileage.
Bartlett has about 20,051 occupied households; 31% have three or more vehicles and 48% have exactly two. So multi-car credits and driver-to-vehicle assignment are worth checking on most policies.
By the historical record, Bartlett was founded in 1829 and incorporated on November 1, 1866. Census counts put Bartlett at 40,543 residents in 2000 and 54,613 in 2010, and the Census Bureau’s July 2024 estimate is 56,708. Growth since 2000 comes to roughly 40%. The NOAA Storm Prediction Center database shows 29 tornadoes that began within 10 miles of Bartlett from 1950 through 2015; the strongest was an F3 on April 3, 1968. NOAA ties that tornado to 4 deaths and 32 injuries.
Comparing nearby rates? See our car insurance pages for Lakeland (6 mi), Millington (8 mi), and Arlington (9 mi).
ZIP codes we serve in and around Bartlett
38134 · 38135 · 38029 · 38128 · 38133 · 38122
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