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Atoka Car Insurance
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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.
The car insurance rate in Atoka is $906 for a six-month policy, which is $90 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Atoka 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 $475 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Erie offers auto insurance rates at $501 for a six-month policy, making it one of the cheapest to insure with.
Westfield offers auto insurance rates at $501 for six months, making it the third cheapest auto insurance company in Atoka.
Based on our research, the cheapest car insurance company in Atoka, TN is AutoOwners Insurance Co, offering policies at just $475 for a six-month term. This is followed by Erie, which has an average six-month premium of $501.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1516 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atoka drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $475 | $79 |
| Erie | $501 | $85 |
| Westfield | $501 | $83 |
| Tennessee Farm Bureau | $534 | $91 |
| Travelers | $745 | $125 |
| Farmers | $904 | $152 |
| USAA | $910 | $153 |
| Grange | $917 | $154 |
| Farm Bureau of Tennessee | $949 | $159 |
| Tennessee Farmers | $1061 | $181 |
| Penn National | $1148 | $191 |
| State Farm | $1253 | $213 |
| Nationwide | $1272 | $212 |
| Progressive | $1516 | $258 |
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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 Atoka are given below.
Westfield provides the cheapest minimum car insurance coverage in Atoka. Their Average 6 Month Premium is $152. AutoOwners is the most expensive at $218 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $152 | $26 |
| Auto-Owners Insurance Co | $178 | $30 |
| Tennessee Farm Bureau | $184 | $31 |
| Farm Bureau of Tennessee | $191 | $32 |
| Tennessee Farmers | $218 | $37 |
| USAA | $218 | $37 |
| Cincinnati | $224 | $38 |
| Erie | $238 | $40 |
| Travelers | $238 | $40 |
| Farmers | $251 | $42 |
| Penn National | $271 | $46 |
| Progressive | $296 | $50 |
| State Farm | $296 | $50 |
| Allstate | $482 | $82 |
| Auto-Owners | $218 | $37 |
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 Atoka is AutoOwners Insurance Co at $79 per month and $475 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $475 | $79 |
| Erie | $501 | $85 |
| Westfield | $501 | $83 |
| Tennessee Farm Bureau | $534 | $91 |
| Travelers | $745 | $125 |
| Farmers | $904 | $152 |
| USAA | $910 | $153 |
| Grange | $917 | $154 |
| Farm Bureau of Tennessee | $949 | $159 |
| Tennessee Farmers | $1061 | $181 |
| Penn National | $1148 | $191 |
| State Farm | $1253 | $213 |
| Nationwide | $1272 | $212 |
| Progressive | $1516 | $258 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Atoka, 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, Atoka's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Penn National | $673 |
| 30s | Penn National | $463 |
| 40s | Penn National | $420 |
| 50s | Penn National | $389 |
| 60s | Penn National | $407 |
| 70s | Penn National | $468 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Atoka at $30 per month. At $316 for a six-month premium, State Farm offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $178 | $30 |
| USAA | $211 | $36 |
| Tennessee Farm Bureau | $251 | $42 |
| Travelers | $251 | $42 |
| Auto-Owners Insurance Co | $264 | $44 |
| Farmers | $283 | $48 |
| Grange | $283 | $48 |
| Progressive | $283 | $48 |
| Cincinnati | $290 | $49 |
| Erie | $290 | $49 |
| State Farm | $316 | $53 |
Teen Car Insurance Rates in TN by Age
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.
For those with poor credit scores in Atoka, Tennessee Farm Bureau is the cheapest car insurance provider. At $211 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 Atoka is Erie, offering rates of around $415 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tennessee Farm Bureau | $211 | $36 |
| Westfield | $276 | $47 |
| Grange | $330 | $57 |
| Farmers | $356 | $59 |
| Progressive | $356 | $61 |
| Travelers | $356 | $59 |
| Cincinnati | $389 | $67 |
| Erie | $415 | $69 |
Save up to $971/yr on car insurance rates in Atoka.
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 Atoka, TN, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Atoka include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $184 and $191, respectively. Grange is an expensive provider with an average six-month premium of $356.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tennessee Farm Bureau | $184 | $31 |
| Farm Bureau of Tennessee | $191 | $32 |
| Westfield | $258 | $43 |
| USAA | $276 | $47 |
| Farmers | $283 | $48 |
| Travelers | $290 | $49 |
| Progressive | $303 | $51 |
| Erie | $323 | $54 |
| State Farm | $323 | $54 |
| Auto-Owners Insurance Co | $330 | $57 |
| Grange | $356 | $59 |
Here is a list of driving violations that can increase your car insurance rates in Atoka TN. For example, the car insurance in Atoka after a DUI increases to $1101 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1101 | $183 |
| Not-at-fault accident | $1108 | $189 |
| One Med/PIP claim | $1114 | $185 |
| One comp claim | $1128 | $192 |
| Two comp claims | $1141 | $190 |
| Two Med/PIP claims | $1141 | $194 |
| Failure to wear a seat belt | $1265 | $211 |
| Failure to show documents | $1285 | $219 |
| Child safety restraint | $1292 | $215 |
| Driving without lights | $1292 | $220 |
| Cell phone violation | $1312 | $219 |
| Driving with expired registration | $1312 | $223 |
| Speeding 6 - 10 MPH over limit | $1312 | $219 |
| Driving too slowly | $1319 | $224 |
| Speeding 11 - 15 MPH over limit | $1319 | $220 |
| Speeding in school zone | $1319 | $224 |
| Failure to yield | $1325 | $221 |
| Following too closely | $1325 | $225 |
| Illegal turn | $1325 | $221 |
| Speeding 16 - 20 MPH over limit | $1325 | $225 |
| Texting while driving | $1325 | $221 |
| Improper passing | $1339 | $228 |
| Wrong way/wrong lane | $1339 | $223 |
| Failure to stop at a red light | $1345 | $229 |
| In 65 MPH zone | $1365 | $228 |
| Speeding 21 - 25 MPH over limit | $1397 | $238 |
| At-fault accident - less than $1000 | $1417 | $236 |
| Passing school bus | $1417 | $241 |
| Operating a vehicle without permission | $1503 | $251 |
| Open container | $1516 | $258 |
| At-fault accident - $1000-$2000 | $1635 | $273 |
| At-fault accident - greater than $2000 | $1635 | $278 |
| Reckless driving | $2063 | $344 |
| Racing | $2070 | $352 |
| Driving with a suspended license | $2123 | $354 |
| Refusal to submit to a chemical test | $2162 | $367 |
| DUI | $2202 | $367 |
| Leaving scene of an accident/hit and run | $2202 | $374 |
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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.
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 Atoka.
The cheapest car insurance premiums in Atoka are offered by Tennessee Farm Bureau at $290 for a six-month policy. However, it can be as expensive as $1819 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tennessee Farm Bureau | $290 | $49 |
| Farmers | $336 | $57 |
| Erie | $343 | $59 |
| Grange | $448 | $74 |
| Travelers | $554 | $93 |
| State Farm | $798 | $134 |
| Progressive | $830 | $140 |
| USAA | $942 | $159 |
| Tennessee Farmers | $1279 | $218 |
| Allstate | $1819 | $303 |
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 Atoka are offered by Westfield at $178. However, it can be as expensive as $303 with companies like Progressive for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $178 | $30 |
| Tennessee Farm Bureau | $184 | $31 |
| Erie | $211 | $36 |
| Auto-Owners Insurance Co | $258 | $43 |
| State Farm | $258 | $43 |
| Cincinnati | $271 | $46 |
| Travelers | $290 | $49 |
| Chubb | $296 | $50 |
| Progressive | $303 | $51 |
Car insurance rates in Atoka have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Atoka remained steady at $107 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Atoka remained steady at $41 in both December and November, indicating no change over the two month period.
How much is car insurance in Atoka?
The car insurance in Atoka is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Atoka?
The cheapest car insurance in Atoka is $79 per month for full coverage.
How much is car insurance in Atoka for teenagers?
Car insurance for teenagers costs $178 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 Atoka?
The average cost of car insurance is $816 for a six-month policy. It will cost around $152 per month to insure your car in Atoka.
Is car insurance expensive in Atoka?
Car insurance can be expensive in Atoka if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Atoka can be affordable.
What is the best car insurance in Atoka, TN?
The best car insurance company in Atoka TN is AutoOwners Insurance Co, offering $475 for a six-month policy.
Cut auto insurance costs in Atoka right now.