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Finding the cheapest car insurance quotes in Antioch shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Antioch
The car insurance rate in Antioch is $1027 for a six-month policy, which is $149 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $501, making it a popular choice for budget-conscious drivers. Rates in Antioch 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.
At $501 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Westfield
Westfield offers auto
insurance rates at $528 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Tennessee Farm Bureau
Tennessee Farm Bureau offers auto insurance
rates at $563
for six months, making it
the third cheapest auto insurance company in Antioch.
Antioch Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Antioch, TN is AutoOwners Insurance Co, offering policies at just $501 for a six-month term. This is followed by Westfield, which has an average six-month premium of $528.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1688 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Antioch drivers find the best deals.
Way's key takeaways about car insurance in Antioch
The auto insurance costs in Antioch fall around $501 for six
months.
The cheapest auto insurance company in Antioch is Westfield.
Teen drivers pay the highest rate in Antioch at $1052 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Antioch
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 Antioch are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Antioch. Their Average 6 Month Premium is $160.
Allstate is the most
expensive at $563 for the same
period.
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 Antioch is AutoOwners Insurance Co
at $85 per month and $501
for six months.
Cheapest Full Coverage Car Insurance Quotes in Antioch,
TN
Get Your Car Insurance Quote in Antioch
Instantly!
Average Car Insurance in Antioch 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 Antioch, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Antioch, 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, Antioch's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Antioch
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
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Cheapest Car Insurance Rates for Teen Drivers in
Antioch,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Antioch at $32
per
month. At $6186 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Antioch.
As young drivers face the highest rates in Antioch, N/A
offers the cheapest auto insurance rates at $N/A 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 Antioch,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $222 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
Antioch is State Farm, offering
rates of around $5824 for six
months.
Save up to $971/yr on car insurance rates in Antioch.
Car Insurance Rates with An Accident in Antioch
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 Antioch, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Antioch
The cheapest car insurance companies after an at-fault accident in
Antioch include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $194
and $201,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3371.
Here is a list of driving violations that can increase your car
insurance rates in Antioch TN. For example, the car
insurance in Antioch
after a DUI increases to $1160 for a six
month policy. While the rate increases by $222 for a six-month policy in the case of
a speeding ticket.
Antioch auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1161
$193
Not-at-fault accident
$1168
$199
One Med/PIP claim
$1175
$195
One comp claim
$1189
$202
Two comp claims
$1203
$200
Two Med/PIP claims
$1203
$205
Failure to wear a seat belt
$1334
$222
Failure to show documents
$1355
$230
Child safety restraint
$1362
$227
Driving without lights
$1362
$232
Cell phone violation
$1383
$230
Driving with expired registration
$1383
$235
Speeding 6 - 10 MPH over limit
$1383
$230
Driving too slowly
$1390
$236
Speeding 11 - 15 MPH over limit
$1390
$232
Speeding in school zone
$1390
$236
Failure to yield
$1397
$233
Following too closely
$1397
$238
Illegal turn
$1397
$233
Speeding 16 - 20 MPH over limit
$1397
$238
Texting while driving
$1397
$233
Improper passing
$1411
$240
Wrong way/wrong lane
$1411
$235
Failure to stop at a red light
$1418
$241
In 65 MPH zone
$1439
$240
Speeding 21 - 25 MPH over limit
$1473
$250
At-fault accident - less than $1000
$1494
$249
Passing school bus
$1494
$254
Operating a vehicle without permission
$1584
$264
Open container
$1598
$271
At-fault accident - $1000-$2000
$1723
$288
At-fault accident - greater than $2000
$1723
$293
Reckless driving
$2175
$363
Racing
$2182
$371
Driving with a suspended license
$2238
$373
Refusal to submit to a chemical test
$2279
$387
DUI
$2321
$387
Leaving scene of an accident/hit and run
$2321
$394
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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 Antioch 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 Antioch.
The cheapest car insurance premiums in
Antioch are
offered by Tennessee Farm Bureau at $305 for a six-month policy.
However, it can be as
expensive as $2446 with companies
like AutoOwners.
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 Antioch are offered by Westfield
at $187. However,
it can be as expensive as $2468
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Antioch after Speeding ticket
Car insurance rates in Antioch have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Antioch rose by
$204 in January
compared to $112 of December. In other words, there has been an increase by $92 when you
compare January and December.
The average cost of liability insurance in the Antioch rose to $49 in January,
compared to $43 in December.
This represents an increase of $6
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Antioch. At $2054 for a
six-month policy, insuring
your car at 37013 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Antioch?
The car insurance in Antioch is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Antioch?
The cheapest car insurance in Antioch
is $85 per month
for full coverage.
How much is car insurance in Antioch for teenagers?
Car insurance for teenagers costs $187 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
Antioch?
The average cost of car insurance is $878 for a six-month
policy. It will cost around $173 per month to insure your
car in Antioch.
Is car insurance expensive in Antioch?
Car insurance can be expensive in Antioch if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Antioch can be
affordable.
What is the best car insurance in Antioch,
TN?
The best car insurance company in Antioch
TN is
AutoOwners Insurance Co, offering $501 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Antioch, TN
Car Insurance Rates by State in the USA (2025 Update)
Antioch Car Insurance
