Cheapest Car Insurance Quotes in Bartlett

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Bartlett Car Insurance

^$ 28

/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 Bartlett

The car insurance rate in Bartlett is $996 for a six-month policy, which is $180 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in Bartlett 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 Bartlett

$996

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Bartlett

1st place: AutoOwners Insurance Co

At $522 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 $550 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $550 for six months, making it the third cheapest auto insurance company in Bartlett.

Bartlett Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bartlett, TN is AutoOwners Insurance Co, offering policies at just $522 for a six-month term. This is followed by Erie, which has an average six-month premium of $550.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1667 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bartlett drivers find the best deals.

Cheap Car Insurance Companies in Bartlett, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$522	$87
Erie	$550	$94
Westfield	$550	$92
Tennessee Farm Bureau	$587	$100
Travelers	$819	$138
Farmers	$993	$167
USAA	$1000	$168
Grange	$1008	$170
Farm Bureau of Tennessee	$1043	$174
Tennessee Farmers	$1166	$199
Penn National	$1261	$210
State Farm	$1377	$234
Nationwide	$1398	$233
Progressive	$1667	$283

Key Takeaways

Way's key takeaways about car insurance in Bartlett

The auto insurance costs in Bartlett fall around $522 for six months.
The cheapest auto insurance company in Bartlett is Westfield.
Teen drivers pay the highest rate in Bartlett at $59 per month.

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Cheapest Minimum Liability Car Insurance in Bartlett

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 Bartlett are given below.

Westfield provides the cheapest minimum car insurance coverage in Bartlett. Their Average 6 Month Premium is $167. AutoOwners is the most expensive at $239 for the same period.

Cheapest Liability Coverage in Bartlett, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Auto-Owners Insurance Co	$195	$33
Tennessee Farm Bureau	$203	$34
Farm Bureau of Tennessee	$210	$35
Tennessee Farmers	$239	$40
USAA	$239	$40
Cincinnati	$246	$41
Erie	$261	$44
Travelers	$261	$44
Farmers	$276	$46
Penn National	$298	$50
Progressive	$326	$55
State Farm	$326	$55
Allstate	$529	$90
Auto-Owners	$239	$40

Cheapest Full Coverage Car Insurance in Bartlett

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 Bartlett is AutoOwners Insurance Co at $87 per month and $522 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bartlett, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$522	$87
Erie	$550	$94
Westfield	$550	$92
Tennessee Farm Bureau	$587	$100
Travelers	$819	$138
Farmers	$993	$167
USAA	$1000	$168
Grange	$1008	$170
Farm Bureau of Tennessee	$1043	$174
Tennessee Farmers	$1166	$199
Penn National	$1261	$210
State Farm	$1377	$234
Nationwide	$1398	$233
Progressive	$1667	$283

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Average Car Insurance in Bartlett 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 Bartlett, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Bartlett, 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, Bartlett's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bartlett

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	$739
30s	Penn National	$509
40s	Penn National	$461
50s	Penn National	$427
60s	Penn National	$448
70s	Penn National	$515

Cheapest Car Insurance Rates for Teen Drivers in Bartlett,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bartlett at $33 per month. At $348 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$195	$33
USAA	$232	$39
Tennessee Farm Bureau	$276	$46
Travelers	$276	$46
Auto-Owners Insurance Co	$290	$49
Farmers	$311	$52
Grange	$311	$52
Progressive	$311	$52
Cincinnati	$318	$54
Erie	$318	$54
State Farm	$348	$59

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 Bartlett.

As young drivers face the highest rates in Bartlett, Penn National offers the cheapest auto insurance rates at $739 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 Bartlett, Tennessee Farm Bureau is the cheapest car insurance provider. At $232 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 Bartlett is Erie, offering rates of around $456 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$232	$39
Westfield	$304	$51
Grange	$362	$62
Farmers	$392	$65
Progressive	$392	$67
Travelers	$392	$65
Cincinnati	$427	$73
Erie	$456	$76

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Car Insurance Rates with An Accident in Bartlett

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 Bartlett, TN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bartlett include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $203 and $210, respectively. Grange is an expensive provider with an average six-month premium of $392.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$203	$34
Farm Bureau of Tennessee	$210	$35
Westfield	$283	$48
USAA	$304	$51
Farmers	$311	$52
Travelers	$318	$54
Progressive	$333	$56
Erie	$355	$60
State Farm	$355	$60
Auto-Owners Insurance Co	$362	$62
Grange	$392	$65

Bartlett Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bartlett TN. For example, the car insurance in Bartlett after a DUI increases to $1210 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Bartlett auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1210	$201
Not-at-fault accident	$1218	$207
One Med/PIP claim	$1225	$204
One comp claim	$1240	$211
Two comp claims	$1254	$209
Two Med/PIP claims	$1254	$214
Failure to wear a seat belt	$1391	$232
Failure to show documents	$1413	$240
Child safety restraint	$1420	$237
Driving without lights	$1420	$242
Cell phone violation	$1442	$240
Driving with expired registration	$1442	$245
Speeding 6 - 10 MPH over limit	$1442	$240
Driving too slowly	$1449	$246
Speeding 11 - 15 MPH over limit	$1449	$242
Speeding in school zone	$1449	$246
Failure to yield	$1457	$243
Following too closely	$1457	$248
Illegal turn	$1457	$243
Speeding 16 - 20 MPH over limit	$1457	$248
Texting while driving	$1457	$243
Improper passing	$1471	$250
Wrong way/wrong lane	$1471	$245
Failure to stop at a red light	$1479	$251
In 65 MPH zone	$1501	$250
Speeding 21 - 25 MPH over limit	$1536	$261
At-fault accident - less than $1000	$1558	$260
Passing school bus	$1558	$265
Operating a vehicle without permission	$1652	$276
Open container	$1667	$283
At-fault accident - $1000-$2000	$1797	$300
At-fault accident - greater than $2000	$1797	$305
Reckless driving	$2268	$378
Racing	$2275	$387
Driving with a suspended license	$2334	$389
Refusal to submit to a chemical test	$2377	$404
DUI	$2420	$404
Leaving scene of an accident/hit and run	$2420	$411

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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 Bartlett 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 Bartlett.

The cheapest car insurance premiums in Bartlett are offered by Tennessee Farm Bureau at $318 for a six-month policy. However, it can be as expensive as $2000 with companies like Allstate.

Bartlett car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$318	$54
Farmers	$370	$62
Erie	$377	$65
Grange	$493	$82
Travelers	$609	$102
State Farm	$877	$148
Progressive	$913	$154
USAA	$1036	$174
Tennessee Farmers	$1405	$239
Allstate	$2000	$333

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 Bartlett are offered by Westfield at $195. However, it can be as expensive as $333 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Bartlett after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$195	$33
Tennessee Farm Bureau	$203	$34
Erie	$232	$39
Auto-Owners Insurance Co	$283	$48
State Farm	$283	$48
Cincinnati	$298	$50
Travelers	$318	$54
Chubb	$326	$55
Progressive	$333	$56

Car Insurance Price Trends in Bartlett, Tennessee

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

The average cost of full coverage in the Bartlett remained steady at $117 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Bartlett remained steady at $45 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bartlett?

The car insurance in Bartlett is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Bartlett?

The cheapest car insurance in Bartlett is $87 per month for full coverage.

How much is car insurance in Bartlett for teenagers?

Car insurance for teenagers costs $195 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 Bartlett?

The average cost of car insurance is $816 for a six-month policy. It will cost around $167 per month to insure your car in Bartlett.

Is car insurance expensive in Bartlett?

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

Cheapest Car Insurance Quotes in Bartlett

Why you can trust Way?

How Much Is Car Insurance in Bartlett

Avg. Car Insurance in Bartlett

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Bartlett

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Bartlett Car Insurance Rates by Company

Cheap Car Insurance Companies in Bartlett, TN

Way's key takeaways about car insurance in Bartlett

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bartlett

Cheapest Liability Coverage in Bartlett, TN

Cheapest Full Coverage Car Insurance in Bartlett

Cheapest Full Coverage Car Insurance Quotes in Bartlett, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bartlett by Rating Factor

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

Car Insurance Premiums by Age in Bartlett

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bartlett,TN

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

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 Bartlett

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

Bartlett Car Insurance Rates by Violation

Bartlett auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bartlett after a DUI

Bartlett car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bartlett after Speeding ticket

Car Insurance Price Trends in Bartlett, Tennessee

Average Car Insurance Cost in Bartlett by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bartlett, TN

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

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