Cheapest Car Insurance Quotes in Bartlett

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Bartlett Car Insurance

^$ 30

/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 $1133 for a six-month policy, which is $255 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, 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

$1133

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Bartlett

1st place: AutoOwners Insurance Co

At $552 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 $582 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 $620 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 $552 for a six-month term. This is followed by Westfield, which has an average six-month premium of $582.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1861 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	$552	$94
Westfield	$582	$97
Tennessee Farm Bureau	$620	$106
Erie	$866	$146
Travelers	$904	$152
USAA	$980	$165
Grange	$1066	$179
Farm Bureau of Tennessee	$1103	$184
Auto-Owners	$1134	$192
Farmers	$1226	$206
Tennessee Farmers	$1233	$210
Penn National	$1334	$222
Nationwide	$1478	$252
State Farm	$1494	$252
Progressive	$1702	$286
Allstate	$1861	$311

Key Takeaways

Way's key takeaways about car insurance in Bartlett

The auto insurance costs in Bartlett fall around $552 for six months.
The cheapest auto insurance company in Bartlett is Westfield.
Teen drivers pay the highest rate in Bartlett at $1160 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 $177. Allstate is the most expensive at $620 for the same period.

Cheapest Liability Coverage in Bartlett, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Auto-Owners Insurance Co	$206	$35
Tennessee Farm Bureau	$214	$36
Farm Bureau of Tennessee	$222	$37
Tennessee Farmers	$253	$43
USAA	$253	$43
Cincinnati	$261	$44
Erie	$292	$49
Travelers	$292	$49
Penn National	$315	$53
Auto-Owners	$329	$55
Farmers	$360	$61
State Farm	$375	$63
Progressive	$422	$71
Allstate	$620	$104

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 $94 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bartlett, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$552	$94
Westfield	$582	$97
Tennessee Farm Bureau	$620	$106
Erie	$866	$146
Travelers	$904	$152
USAA	$980	$165
Grange	$1066	$179
Farm Bureau of Tennessee	$1103	$184
Auto-Owners	$1134	$192
Farmers	$1226	$206
Tennessee Farmers	$1233	$210
Penn National	$1334	$222
Nationwide	$1478	$252
State Farm	$1494	$252
Progressive	$1702	$286
Allstate	$1861	$311

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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

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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 $35 per month. At $6820 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
Tennessee Farm Bureau	$292	$49
Auto-Owners Insurance Co	$307	$52
Grange	$329	$55
Cincinnati	$337	$57
Erie	$1134	$191
USAA	$1134	$191
Travelers	$1196	$201
State Farm	$1809	$304
Farmers	$2069	$348
Progressive	$3057	$515
Auto-Owners	$3931	$655
Allstate	$6820	$1160

Teen Car Insurance Rates in TN by Age

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 $245 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 State Farm, offering rates of around $6422 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$245	$41
Westfield	$321	$54
Grange	$383	$65
Cincinnati	$452	$77
Travelers	$1149	$194
Farmers	$1326	$223
USAA	$1356	$226
Progressive	$1525	$257
Erie	$1556	$262
Auto-Owners	$2997	$510
Allstate	$3242	$541
State Farm	$6422	$1091

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Save up to $971/yr on car insurance rates in Bartlett.

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 $214 and $222, respectively. Allstate is an expensive provider with an average six-month premium of $3716.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$214	$36
Farm Bureau of Tennessee	$222	$37
Westfield	$299	$50
Auto-Owners Insurance Co	$383	$66
Grange	$414	$68
Travelers	$636	$107
Erie	$698	$117
USAA	$712	$120
State Farm	$759	$128
Farmers	$866	$146
Progressive	$1326	$223
Auto-Owners	$1931	$329
Allstate	$3716	$619

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 $1279 for a six month policy. While the rate increases by $245 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	$1280	$213
Not-at-fault accident	$1287	$219
One Med/PIP claim	$1295	$215
One comp claim	$1311	$223
Two comp claims	$1326	$221
Two Med/PIP claims	$1326	$226
Failure to wear a seat belt	$1471	$245
Failure to show documents	$1494	$254
Child safety restraint	$1502	$250
Driving without lights	$1502	$255
Cell phone violation	$1525	$254
Driving with expired registration	$1525	$259
Speeding 6 - 10 MPH over limit	$1525	$254
Driving too slowly	$1533	$261
Speeding 11 - 15 MPH over limit	$1533	$255
Speeding in school zone	$1533	$261
Failure to yield	$1540	$257
Following too closely	$1540	$262
Illegal turn	$1540	$257
Speeding 16 - 20 MPH over limit	$1540	$262
Texting while driving	$1540	$257
Improper passing	$1556	$264
Wrong way/wrong lane	$1556	$259
Failure to stop at a red light	$1563	$266
In 65 MPH zone	$1587	$264
Speeding 21 - 25 MPH over limit	$1624	$276
At-fault accident - less than $1000	$1647	$275
Passing school bus	$1647	$280
Operating a vehicle without permission	$1747	$292
Open container	$1762	$299
At-fault accident - $1000-$2000	$1900	$317
At-fault accident - greater than $2000	$1900	$323
Reckless driving	$2398	$400
Racing	$2406	$409
Driving with a suspended license	$2468	$412
Refusal to submit to a chemical test	$2513	$427
DUI	$2559	$427
Leaving scene of an accident/hit and run	$2559	$435

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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 $337 for a six-month policy. However, it can be as expensive as $2697 with companies like AutoOwners.

Bartlett car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$337	$57
Grange	$521	$86
Travelers	$889	$150
Farmers	$1019	$172
USAA	$1211	$204
Erie	$1256	$212
Progressive	$1264	$213
Tennessee Farmers	$1486	$248
State Farm	$1502	$253
Allstate	$2307	$388
Auto-Owners	$2697	$459

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 $206. However, it can be as expensive as $2721 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bartlett after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
Tennessee Farm Bureau	$214	$36
Auto-Owners Insurance Co	$299	$50
Cincinnati	$315	$53
Chubb	$344	$58
Erie	$743	$125
Travelers	$881	$148
USAA	$904	$154
State Farm	$980	$165
Auto-Owners	$1134	$192
Progressive	$1418	$239
Farmers	$1931	$329
Allstate	$2721	$453

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 rose by $224 in January compared to $124 of December. In other words, there has been an increase by $100 when you compare January and December.

The average cost of liability insurance in the Bartlett rose to $54 in January, compared to $48 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bartlett?

The car insurance in Bartlett is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Bartlett?

The cheapest car insurance in Bartlett is $94 per month for full coverage.

How much is car insurance in Bartlett for teenagers?

Car insurance for teenagers costs $206 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 $878 for a six-month policy. It will cost around $191 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: Westfield

3rd place: Tennessee Farm Bureau

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 N/A 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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