Cheapest Car Insurance Quotes in Algood

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Algood Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Algood

The car insurance rate in Algood is $734 for a six-month policy, which is $82 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Algood can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Algood

$734

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Algood

1st place: AutoOwners Insurance Co

At $385 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $406 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $406 for six months, making it the third cheapest auto insurance company in Algood.

Algood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Algood, TN is AutoOwners Insurance Co, offering policies at just $385 for a six-month term. This is followed by Erie, which has an average six-month premium of $406.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1229 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Algood drivers find the best deals.

Cheap Car Insurance Companies in Algood, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$385	$64
Erie	$406	$69
Westfield	$406	$68
Tennessee Farm Bureau	$433	$74
Travelers	$604	$102
Farmers	$733	$123
USAA	$738	$124
Grange	$743	$125
Farm Bureau of Tennessee	$770	$129
Tennessee Farmers	$860	$147
Penn National	$931	$155
State Farm	$1016	$173
Nationwide	$1031	$172
Progressive	$1229	$209

Key Takeaways

Way's key takeaways about car insurance in Algood

The auto insurance costs in Algood fall around $385 for six months.
The cheapest auto insurance company in Algood is Westfield.
Teen drivers pay the highest rate in Algood at $43 per month.

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Cheapest Minimum Liability Car Insurance in Algood

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Algood are given below.

Westfield provides the cheapest minimum car insurance coverage in Algood. Their Average 6 Month Premium is $123. AutoOwners is the most expensive at $176 for the same period.

Cheapest Liability Coverage in Algood, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$123	$21
Auto-Owners Insurance Co	$144	$24
Tennessee Farm Bureau	$149	$25
Farm Bureau of Tennessee	$155	$26
Tennessee Farmers	$176	$30
USAA	$176	$30
Cincinnati	$182	$31
Erie	$193	$32
Travelers	$193	$32
Farmers	$203	$34
Penn National	$220	$37
Progressive	$240	$41
State Farm	$240	$41
Allstate	$391	$67
Auto-Owners	$176	$30

Cheapest Full Coverage Car Insurance in Algood

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Algood is AutoOwners Insurance Co at $64 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Algood, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$385	$64
Erie	$406	$69
Westfield	$406	$68
Tennessee Farm Bureau	$433	$74
Travelers	$604	$102
Farmers	$733	$123
USAA	$738	$124
Grange	$743	$125
Farm Bureau of Tennessee	$770	$129
Tennessee Farmers	$860	$147
Penn National	$931	$155
State Farm	$1016	$173
Nationwide	$1031	$172
Progressive	$1229	$209

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Average Car Insurance in Algood by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Algood, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Algood, Tennessee, may be increasing due to several external factors. Tennessee has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Algood's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Algood

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Penn National	$545
30s	Penn National	$375
40s	Penn National	$340
50s	Penn National	$315
60s	Penn National	$330
70s	Penn National	$380

Cheapest Car Insurance Rates for Teen Drivers in Algood,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Algood at $24 per month. At $257 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
USAA	$171	$29
Tennessee Farm Bureau	$203	$34
Travelers	$203	$34
Auto-Owners Insurance Co	$214	$36
Farmers	$230	$39
Grange	$230	$39
Progressive	$230	$39
Cincinnati	$235	$40
Erie	$235	$40
State Farm	$257	$43

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Algood.

As young drivers face the highest rates in Algood, Penn National offers the cheapest auto insurance rates at $545 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Algood, Tennessee Farm Bureau is the cheapest car insurance provider. At $171 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Algood is Erie, offering rates of around $337 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$171	$29
Westfield	$224	$38
Grange	$267	$46
Farmers	$289	$48
Progressive	$289	$50
Travelers	$289	$48
Cincinnati	$315	$54
Erie	$337	$56

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Car Insurance Rates with An Accident in Algood

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Algood, TN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Algood

The cheapest car insurance companies after an at-fault accident in Algood include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $149 and $155, respectively. Grange is an expensive provider with an average six-month premium of $289.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$149	$25
Farm Bureau of Tennessee	$155	$26
Westfield	$209	$35
USAA	$224	$38
Farmers	$230	$39
Travelers	$235	$40
Progressive	$246	$41
Erie	$262	$44
State Farm	$262	$44
Auto-Owners Insurance Co	$267	$46
Grange	$289	$48

Algood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Algood TN. For example, the car insurance in Algood after a DUI increases to $893 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Algood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$893	$149
Not-at-fault accident	$898	$153
One Med/PIP claim	$904	$150
One comp claim	$914	$156
Two comp claims	$925	$154
Two Med/PIP claims	$925	$158
Failure to wear a seat belt	$1026	$171
Failure to show documents	$1042	$177
Child safety restraint	$1048	$175
Driving without lights	$1048	$178
Cell phone violation	$1064	$177
Driving with expired registration	$1064	$181
Speeding 6 - 10 MPH over limit	$1064	$177
Driving too slowly	$1069	$182
Speeding 11 - 15 MPH over limit	$1069	$178
Speeding in school zone	$1069	$182
Failure to yield	$1075	$179
Following too closely	$1075	$183
Illegal turn	$1075	$179
Speeding 16 - 20 MPH over limit	$1075	$183
Texting while driving	$1075	$179
Improper passing	$1085	$185
Wrong way/wrong lane	$1085	$181
Failure to stop at a red light	$1091	$185
In 65 MPH zone	$1107	$185
Speeding 21 - 25 MPH over limit	$1133	$193
At-fault accident - less than $1000	$1149	$192
Passing school bus	$1149	$195
Operating a vehicle without permission	$1219	$203
Open container	$1229	$209
At-fault accident - $1000-$2000	$1326	$221
At-fault accident - greater than $2000	$1326	$225
Reckless driving	$1673	$279
Racing	$1679	$285
Driving with a suspended license	$1722	$287
Refusal to submit to a chemical test	$1753	$298
DUI	$1786	$298
Leaving scene of an accident/hit and run	$1786	$303

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Algood after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Algood.

The cheapest car insurance premiums in Algood are offered by Tennessee Farm Bureau at $235 for a six-month policy. However, it can be as expensive as $1475 with companies like Allstate.

Algood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$235	$40
Farmers	$273	$46
Erie	$278	$48
Grange	$364	$60
Travelers	$449	$76
State Farm	$647	$109
Progressive	$673	$113
USAA	$764	$129
Tennessee Farmers	$1037	$176
Allstate	$1475	$246

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Algood are offered by Westfield at $144. However, it can be as expensive as $246 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Algood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Tennessee Farm Bureau	$149	$25
Erie	$171	$29
Auto-Owners Insurance Co	$209	$35
State Farm	$209	$35
Cincinnati	$220	$37
Travelers	$235	$40
Chubb	$240	$41
Progressive	$246	$41

Car Insurance Price Trends in Algood, Tennessee

Car insurance rates in Algood have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Algood remained steady at $86 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Algood remained steady at $33 in both December and November, indicating no change over the two month period.

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Principal

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Frequently Asked Questions

How much is car insurance in Algood?

The car insurance in Algood is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Algood?

The cheapest car insurance in Algood is $64 per month for full coverage.

How much is car insurance in Algood for teenagers?

Car insurance for teenagers costs $144 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Algood?

The average cost of car insurance is $816 for a six-month policy. It will cost around $123 per month to insure your car in Algood.

Is car insurance expensive in Algood?

Car insurance can be expensive in Algood if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Algood can be affordable.

Cheapest Car Insurance Quotes in Algood

Why you can trust Way?

How Much Is Car Insurance in Algood

Avg. Car Insurance in Algood

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Algood

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Algood Car Insurance Rates by Company

Cheap Car Insurance Companies in Algood, TN

Way's key takeaways about car insurance in Algood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Algood

Cheapest Liability Coverage in Algood, TN

Cheapest Full Coverage Car Insurance in Algood

Cheapest Full Coverage Car Insurance Quotes in Algood, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Algood by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Algood, TN increasing?

Car Insurance Premiums by Age in Algood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Algood,TN

If you are in your twenties Penn National is the best choice for car insurance in Algood.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Algood

Cheapest Car Insurance Companies after an At-Fault Accident in Algood

Algood Car Insurance Rates by Violation

Algood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Algood after a DUI

Algood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Algood after Speeding ticket

Car Insurance Price Trends in Algood, Tennessee

Average Car Insurance Cost in Algood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Algood, TN

Car Insurance Rates by State in the USA (2025 Update)

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