Cheapest Car Insurance Quotes in Bethel Springs

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Bethel Springs Car Insurance

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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 Bethel Springs

The car insurance rate in Bethel Springs is $931 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Bethel Springs 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 Bethel Springs

$931

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Bethel Springs

1st place: AutoOwners Insurance Co

At $454 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 $478 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 $510 for six months, making it the third cheapest auto insurance company in Bethel Springs.

Bethel Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bethel Springs, TN is AutoOwners Insurance Co, offering policies at just $454 for a six-month term. This is followed by Westfield, which has an average six-month premium of $478.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1530 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bethel Springs drivers find the best deals.

Cheap Car Insurance Companies in Bethel Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$454	$77
Westfield	$478	$80
Tennessee Farm Bureau	$510	$87
Erie	$711	$120
Travelers	$743	$125
USAA	$806	$136
Grange	$876	$147
Farm Bureau of Tennessee	$906	$152
Auto-Owners	$932	$158
Farmers	$1007	$170
Tennessee Farmers	$1013	$173
Penn National	$1096	$182
Nationwide	$1215	$207
State Farm	$1227	$207
Progressive	$1398	$235
Allstate	$1530	$255

Key Takeaways

Way's key takeaways about car insurance in Bethel Springs

The auto insurance costs in Bethel Springs fall around $454 for six months.
The cheapest auto insurance company in Bethel Springs is Westfield.
Teen drivers pay the highest rate in Bethel Springs at $953 per month.

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Cheapest Minimum Liability Car Insurance in Bethel Springs

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 Bethel Springs are given below.

Westfield provides the cheapest minimum car insurance coverage in Bethel Springs. Their Average 6 Month Premium is $145. Allstate is the most expensive at $510 for the same period.

Cheapest Liability Coverage in Bethel Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
Auto-Owners Insurance Co	$170	$29
Tennessee Farm Bureau	$176	$30
Farm Bureau of Tennessee	$182	$31
Tennessee Farmers	$208	$35
USAA	$208	$35
Cincinnati	$214	$36
Erie	$240	$40
Travelers	$240	$40
Penn National	$259	$43
Auto-Owners	$270	$46
Farmers	$296	$50
State Farm	$308	$52
Progressive	$347	$58
Allstate	$510	$86

Cheapest Full Coverage Car Insurance in Bethel Springs

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 Bethel Springs is AutoOwners Insurance Co at $77 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bethel Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$454	$77
Westfield	$478	$80
Tennessee Farm Bureau	$510	$87
Erie	$711	$120
Travelers	$743	$125
USAA	$806	$136
Grange	$876	$147
Farm Bureau of Tennessee	$906	$152
Auto-Owners	$932	$158
Farmers	$1007	$170
Tennessee Farmers	$1013	$173
Penn National	$1096	$182
Nationwide	$1215	$207
State Farm	$1227	$207
Progressive	$1398	$235
Allstate	$1530	$255

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Average Car Insurance in Bethel Springs 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 Bethel Springs, TN increasing?

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

Car Insurance Premiums by Age in Bethel Springs

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 Bethel Springs,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bethel Springs at $29 per month. At $5604 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
Tennessee Farm Bureau	$240	$40
Auto-Owners Insurance Co	$252	$42
Grange	$270	$46
Cincinnati	$277	$47
Erie	$932	$157
USAA	$932	$157
Travelers	$983	$165
State Farm	$1486	$250
Farmers	$1700	$286
Progressive	$2512	$423
Auto-Owners	$3230	$538
Allstate	$5604	$953

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 Bethel Springs, Tennessee Farm Bureau is the cheapest car insurance provider. At $201 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 Bethel Springs is State Farm, offering rates of around $5277 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$201	$34
Westfield	$264	$45
Grange	$315	$53
Cincinnati	$371	$64
Travelers	$944	$159
Farmers	$1090	$183
USAA	$1114	$186
Progressive	$1253	$211
Erie	$1278	$215
Auto-Owners	$2462	$419
Allstate	$2664	$444
State Farm	$5277	$897

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Car Insurance Rates with An Accident in Bethel Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bethel Springs

The cheapest car insurance companies after an at-fault accident in Bethel Springs include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $176 and $182, respectively. Allstate is an expensive provider with an average six-month premium of $3054.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$176	$30
Farm Bureau of Tennessee	$182	$31
Westfield	$246	$41
Auto-Owners Insurance Co	$315	$54
Grange	$340	$56
Travelers	$523	$88
Erie	$573	$96
USAA	$585	$99
State Farm	$623	$105
Farmers	$711	$120
Progressive	$1090	$183
Auto-Owners	$1587	$270
Allstate	$3054	$509

Bethel Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bethel Springs TN. For example, the car insurance in Bethel Springs after a DUI increases to $1051 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

Bethel Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1052	$175
Not-at-fault accident	$1058	$180
One Med/PIP claim	$1064	$177
One comp claim	$1077	$183
Two comp claims	$1090	$181
Two Med/PIP claims	$1090	$186
Failure to wear a seat belt	$1208	$201
Failure to show documents	$1227	$209
Child safety restraint	$1234	$206
Driving without lights	$1234	$210
Cell phone violation	$1253	$209
Driving with expired registration	$1253	$213
Speeding 6 - 10 MPH over limit	$1253	$209
Driving too slowly	$1259	$214
Speeding 11 - 15 MPH over limit	$1259	$210
Speeding in school zone	$1259	$214
Failure to yield	$1266	$211
Following too closely	$1266	$215
Illegal turn	$1266	$211
Speeding 16 - 20 MPH over limit	$1266	$215
Texting while driving	$1266	$211
Improper passing	$1278	$217
Wrong way/wrong lane	$1278	$213
Failure to stop at a red light	$1285	$218
In 65 MPH zone	$1304	$217
Speeding 21 - 25 MPH over limit	$1335	$227
At-fault accident - less than $1000	$1354	$226
Passing school bus	$1354	$230
Operating a vehicle without permission	$1435	$240
Open container	$1448	$246
At-fault accident - $1000-$2000	$1561	$261
At-fault accident - greater than $2000	$1561	$265
Reckless driving	$1971	$329
Racing	$1977	$336
Driving with a suspended license	$2028	$338
Refusal to submit to a chemical test	$2065	$351
DUI	$2103	$351
Leaving scene of an accident/hit and run	$2103	$357

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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 Bethel Springs 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 Bethel Springs.

The cheapest car insurance premiums in Bethel Springs are offered by Tennessee Farm Bureau at $277 for a six-month policy. However, it can be as expensive as $2216 with companies like AutoOwners.

Bethel Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$277	$47
Grange	$428	$71
Travelers	$730	$123
Farmers	$837	$141
USAA	$995	$167
Erie	$1032	$174
Progressive	$1039	$175
Tennessee Farmers	$1221	$204
State Farm	$1234	$208
Allstate	$1895	$319
Auto-Owners	$2216	$377

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 Bethel Springs are offered by Westfield at $170. However, it can be as expensive as $2236 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bethel Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
Tennessee Farm Bureau	$176	$30
Auto-Owners Insurance Co	$246	$41
Cincinnati	$259	$43
Chubb	$283	$48
Erie	$611	$103
Travelers	$724	$122
USAA	$743	$126
State Farm	$806	$136
Auto-Owners	$932	$158
Progressive	$1165	$196
Farmers	$1587	$270
Allstate	$2236	$372

Car Insurance Price Trends in Bethel Springs, Tennessee

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

The average cost of full coverage in the Bethel Springs rose by $184 in January compared to $102 of December. In other words, there has been an increase by $82 when you compare January and December.

The average cost of liability insurance in the Bethel Springs rose to $45 in January, compared to $39 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 Bethel Springs?

The car insurance in Bethel Springs is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Bethel Springs?

The cheapest car insurance in Bethel Springs is $77 per month for full coverage.

How much is car insurance in Bethel Springs for teenagers?

Car insurance for teenagers costs $170 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 Bethel Springs?

The average cost of car insurance is $878 for a six-month policy. It will cost around $157 per month to insure your car in Bethel Springs.

Is car insurance expensive in Bethel Springs?

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

Cheapest Car Insurance Quotes in Bethel Springs

Why you can trust Way?

How Much Is Car Insurance in Bethel Springs

Avg. Car Insurance in Bethel Springs

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Bethel Springs

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Bethel Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Bethel Springs, TN

Way's key takeaways about car insurance in Bethel Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bethel Springs

Cheapest Liability Coverage in Bethel Springs, TN

Cheapest Full Coverage Car Insurance in Bethel Springs

Cheapest Full Coverage Car Insurance Quotes in Bethel Springs, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bethel Springs by Rating Factor

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

Car Insurance Premiums by Age in Bethel Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bethel Springs,TN

If you are in your twenties N/A is the best choice for car insurance in Bethel Springs.

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 Bethel Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Bethel Springs

Bethel Springs Car Insurance Rates by Violation

Bethel Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bethel Springs after a DUI

Bethel Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bethel Springs after Speeding ticket

Car Insurance Price Trends in Bethel Springs, Tennessee

Average Car Insurance Cost in Bethel Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bethel Springs, TN

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

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