Illustrative rates by age and company, local context, and how to compare quotes without guessing: a practical guide to Camden auto coverage.
About Camden
Camden is home to about 3,575 residents and sits in Benton County.
Camden is part of the Benton County area, where everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes locally are a single-family mix typical of the Benton County area; replacement cost, roof age, and construction type, block by block, explain most price differences.
Severe storms and tornadoes often shape Tennessee prices, and flood questions arise near rivers and low ground.
Average Camden, Tennessee car insurance rates
The numbers here are illustrative estimates and averages to help you compare, not quotes we can guarantee. Your own quote will hinge on the drivers and the vehicles, where the car is garaged by ZIP, the limits and deductibles you pick, credit where the state allows it, and your claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Camden, Tennessee | $144.39 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $937.29 |
| 20s | $106.15 |
| 30s | $106.83 |
| 40s | $120.28 |
| 50s | $106.45 |
| 60s | $95.57 |
| 70+ | $98.90 |
Camden, TN: cheapest car insurance companies
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $122.91 |
| 2 | Elephant | $136.52 |
| 3 | Progressive | $137.31 |
| 4 | Kemper BVP | $137.81 |
| 5 | Safeco | $140.93 |
| 6 | Lumen Select | $148.37 |
| 7 | Allstate | $149.37 |
| 8 | Travelers | $164.24 |
| 9 | Bristol West | $171.73 |
| 10 | GAINSCO | $175.20 |
Check Out Other Rates in Camden, TN Nearby Cities:
Camden driving and insurance context
Camden is home to about 3,575 residents and sits in Benton County. The population is roughly 3,575. Severe storms and tornadoes often shape Tennessee prices, and flood questions arise near rivers and low ground.
Typical Camden driving mixes quiet residential streets and busier connectors, and stop-and-go patterns shape claim frequency more than most expect. The rates carriers file for surrounding ZIP codes, and the comprehensive claims behind them, track local weather, above all severe storms, flooding in low spots, and river fog. That is why two neighbors in Camden can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote.
If you are new to the Benton County area, take a few minutes to confirm how you use the vehicle. Carriers care more about driving patterns than small trim differences: highway commuting, rideshare activity, and teen drivers each move the price. Be specific about how the car is used when you ask for a quote, which lets us match carriers that price that profile aggressively.
Safety features and ownership length tie into discounts more than many Camden drivers expect. Continuous coverage, automatic emergency braking, and anti-theft devices do not count the same with every carrier. Skip re-entering one application on ten sites: let an independent agent translate those differences into a shortlist.
Another practical detail: have your current declarations pages nearby. A true side-by-side comparison in Camden is quickest to build when you start with limits, deductibles, and listed drivers. A suspiciously low quote deserves a check: did liability limits drop, was comprehensive removed, or was someone in the household left off?
Tips to cut car insurance rates in Camden
Shopping well looks past the lowest binder price. The savings that last tend to come from cleaning up the garaging address and listed drivers before you compare, then a fresh market check each term.
- Shop several carriers at each renewal. Underwriting appetite moves after storm seasons and loss trends. What was cheapest in Camden last year may not lead today.
- Bundle only when the math works. Look at the total for home and auto together, not the auto line by itself; bundling helps only if the total wins. Begin at /get-a-quote/auto-quote and tell us about any homeowners or renters policy you already hold.
- 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 $937.29, far above adult buckets near $96. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Usage-based plans can reward gentle acceleration and low overnight mileage, but night driving and hard braking can erase the benefit.
- Stay continuously insured. Gaps, even short ones, can cost more than the months you skipped.
- List the real garaging address. If the car sleeps in Camden but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Each credit is small by itself; together they can move a competitive quote.
Document improvements too. New roof cameras apply to homes, but a clean Motor Vehicle Record, dash cams, and anti-theft devices can still help many auto applications. Share those details to your Camden quote review so underwriting does not have to guess.
Auto coverage explainers for Camden drivers
The Tennessee minimum keeps you legal, yet it rarely matches a serious injury claim or a newer financed vehicle. Comparing quotes for Camden? use the outline below as a checklist.
- Liability coverage (BI/PD): This is the coverage that pays others after a crash you caused. If you own a home with equity, have savings, or drive a long commute through heavy traffic, it pays to consider higher limits.
- Collision: Pays for your vehicle’s damage from hitting another car or an object, less your deductible.
- Comprehensive: Handles damage that is not from a collision, including theft, hail, cracked glass, and animal strikes, especially relevant in storm-prone areas.
- Uninsured or underinsured motorist: Coverage for you if an at-fault driver has no insurance or too little. State rules for UM/UIM differ, so ask how it works before you waive it.
- Medical payments or PIP: After an accident, it helps pay medical bills for you and your passengers; availability and stacking vary by state.
- Rental reimbursement: After a covered claim, while your car is being repaired, it helps pay for a rental.
- Roadside assistance coverage: It is sometimes cheaper on the policy than a separate club membership and includes towing, battery, and lockout service.
- Higher liability limits & umbrella coordination: If you carry an umbrella, confirm auto limits meet the carrier’s underlying requirements.
Financed or leased vehicles in Camden almost always need collision and comprehensive. If your car is older and paid off, we can model dropping collision only after you understand the out-of-pocket risk. Stormy ZIP codes call for a second look at glass and hail deductibles.
Camden discounts to ask about
- Multi-policy — auto with home or renters.
- Multi-car discount — two or more vehicles with one carrier.
- Safe driver / claims-free — clean records often price better.
- Driver training & good student — useful once teens are rated.
- Usage-based / telematics — optional tracking that rewards careful habits.
- Paperless, autopay, and paid-in-full — small credits that still stack.
- Safety and anti-theft features — depending on the vehicle and carrier.
Discounts never replace shopping. On one Camden driver, two carriers with similar credits may still land fifty dollars apart.
Choosing deductibles and limits with local weather in mind
Pick a Camden comprehensive deductible on purpose: regional loss data shows severe storms, low-spot flooding, and river fog. If you park outside, it can make sense to lower the glass deductible. For a paid-off vehicle, a higher comprehensive deductible may make sense as long as you have reserves.
Choose liability limits based on what you own and how much risk you accept, not only the state minimum. Minimum limits can be exhausted quickly by a serious at-fault accident on a busy road near Camden. We talk through scenarios with you so you never buy numbers you do not understand.
Several cars or mixed driving records at home
In a multi-car Camden household, think carefully about driver assignments. One of the most common avoidable rate jumps: the most expensive driver assigned to the most expensive car. We model assignments across carriers because not every company rates household drivers identically.
Underwriting will find a recent ticket or minor accident, so do not hide one; look for markets that are more forgiving of it. Independent agencies exist precisely so you are not stuck inside one company’s rules.
What Freedom Insurance Group does for Camden drivers
We will not make up AM Best ratings, and we do not pretend every carrier is appointed in every niche. We shop the markets we can access, explain the tradeoffs in plain language, and help you pick limits that fit your real driving in Camden and around the Benton County area.
Phone (800) 253-1482, or start a free auto quote on the website. We can compare bundle options with no pressure if you also need homeowners coverage; start on the home quote form.
Our conversation will cover drivers and vehicles, the garaging ZIP code, desired liability limits, and recent claims. That discovery, rather than this page’s averages, are what build a shortlist of bindable options for your household.
Camden by the numbers: commuting, vehicles, and weather
The NOAA Storm Events Database records 14 hail reports within about 5 miles of Camden from 2016 through 2025. The largest stones measured 1.75 inches near Camden in April 2025. That is big enough to dent panels and crack a windshield, a comprehensive-coverage claim. There were also 6 flash-flood reports nearby, the latest in April 2025; a flooded car is a comprehensive claim, not collision.
Across about 1,442 households in Camden, 25% keep three or more vehicles and 32% have two. Multi-car pricing and how drivers are assigned are therefore relevant for most households here. Roughly 10% of households have no vehicle at all, a group that may want to ask about non-owner car insurance if they borrow or rent cars.
According to the Census Bureau’s 2020–2024 American Community Survey, the average one-way commute for Camden workers is about 17 minutes. About 65% of commuters have trips shorter than 15 minutes, which can support a lower annual mileage estimate. By commute mode, 82% drive alone and 5.8% carpool.
Census estimates (2020–2024) put about 3,678 people in Camden, on roughly 5.7 square miles of land, which works out to about 648 per square mile. The closest Tennessee city with more than 100,000 residents is Clarksville, about 55 miles to the northeast. Regular trips there add miles that belong in your annual estimate.
By the historical record, Camden was founded in 1836 and incorporated in 1838. Census counts put Camden at 3,828 residents in 2000 and 3,582 in 2010, and the Census Bureau’s July 2024 estimate is 3,692. Numbers have held fairly steady since 2000. Federal tornado records from NOAA’s Storm Prediction Center list 12 tornadoes that began within 10 miles of Camden from 1950 through 2015; the strongest was an F3 on January 22, 1999. Along its full path, that storm was blamed for 1 death and 5 injuries.
Shopping around the area? We also cover Bruceton (8 mi), New Johnsonville (8 mi), and Huntingdon (18 mi).
Camden-area ZIP codes we insure
38320
Explore more Tennessee coverage pages
Get car insurance quotes in Camden, TN
Freedom Insurance Group compares 25+ carriers for Camden residents. Phone (800) 253-1482, or start a free auto quote on the website.
Helpful guides
