Cheapest Car Insurance Quotes in Bluff City

Finding the cheapest car insurance quotes in Bluff City 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Bluff City Car Insurance

^$ 20

/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 Bluff City

The car insurance rate in Bluff City is $694 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Bluff City 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 Bluff City

$694

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Bluff City

1st place: AutoOwners Insurance Co

At $364 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 $383 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $383 for six months, making it the third cheapest auto insurance company in Bluff City.

Bluff City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bluff City, TN is AutoOwners Insurance Co, offering policies at just $364 for a six-month term. This is followed by Erie, which has an average six-month premium of $383.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1161 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bluff City drivers find the best deals.

Cheap Car Insurance Companies in Bluff City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$364	$60
Erie	$383	$65
Westfield	$383	$64
Tennessee Farm Bureau	$409	$70
Travelers	$570	$96
Farmers	$692	$116
USAA	$697	$117
Grange	$702	$118
Farm Bureau of Tennessee	$727	$122
Tennessee Farmers	$813	$139
Penn National	$879	$146
State Farm	$960	$163
Nationwide	$974	$162
Progressive	$1161	$197

Key Takeaways

Way's key takeaways about car insurance in Bluff City

The auto insurance costs in Bluff City fall around $364 for six months.
The cheapest auto insurance company in Bluff City is Westfield.
Teen drivers pay the highest rate in Bluff City at $41 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 Bluff City

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 Bluff City are given below.

Westfield provides the cheapest minimum car insurance coverage in Bluff City. Their Average 6 Month Premium is $116. AutoOwners is the most expensive at $167 for the same period.

Cheapest Liability Coverage in Bluff City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$116	$20
Auto-Owners Insurance Co	$136	$23
Tennessee Farm Bureau	$141	$24
Farm Bureau of Tennessee	$146	$25
Tennessee Farmers	$167	$28
USAA	$167	$28
Cincinnati	$172	$29
Erie	$182	$31
Travelers	$182	$31
Farmers	$192	$32
Penn National	$207	$35
Progressive	$227	$38
State Farm	$227	$38
Allstate	$369	$63
Auto-Owners	$167	$28

Cheapest Full Coverage Car Insurance in Bluff City

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 Bluff City is AutoOwners Insurance Co at $60 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bluff City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$364	$60
Erie	$383	$65
Westfield	$383	$64
Tennessee Farm Bureau	$409	$70
Travelers	$570	$96
Farmers	$692	$116
USAA	$697	$117
Grange	$702	$118
Farm Bureau of Tennessee	$727	$122
Tennessee Farmers	$813	$139
Penn National	$879	$146
State Farm	$960	$163
Nationwide	$974	$162
Progressive	$1161	$197

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Bluff City Instantly!

Average Car Insurance in Bluff City 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 Bluff City, TN increasing?

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

Car Insurance Premiums by Age in Bluff City

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	$515
30s	Penn National	$354
40s	Penn National	$321
50s	Penn National	$298
60s	Penn National	$312
70s	Penn National	$359

Cheapest Car Insurance Rates for Teen Drivers in Bluff City,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bluff City at $23 per month. At $242 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
USAA	$162	$27
Tennessee Farm Bureau	$192	$32
Travelers	$192	$32
Auto-Owners Insurance Co	$202	$34
Farmers	$217	$37
Grange	$217	$37
Progressive	$217	$37
Cincinnati	$222	$37
Erie	$222	$37
State Farm	$242	$41

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 Bluff City.

As young drivers face the highest rates in Bluff City, Penn National offers the cheapest auto insurance rates at $515 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 Bluff City, Tennessee Farm Bureau is the cheapest car insurance provider. At $162 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 Bluff City is Erie, offering rates of around $318 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$162	$27
Westfield	$212	$36
Grange	$252	$43
Farmers	$273	$45
Progressive	$273	$47
Travelers	$273	$45
Cincinnati	$298	$51
Erie	$318	$53

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Bluff City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bluff City

The cheapest car insurance companies after an at-fault accident in Bluff City include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $141 and $146, respectively. Grange is an expensive provider with an average six-month premium of $273.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$141	$24
Farm Bureau of Tennessee	$146	$25
Westfield	$197	$33
USAA	$212	$36
Farmers	$217	$37
Travelers	$222	$37
Progressive	$232	$39
Erie	$247	$42
State Farm	$247	$42
Auto-Owners Insurance Co	$252	$43
Grange	$273	$45

Bluff City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bluff City TN. For example, the car insurance in Bluff City after a DUI increases to $843 for a six month policy. While the rate increases by $162 for a six-month policy in the case of a speeding ticket.

Bluff City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$843	$140
Not-at-fault accident	$848	$145
One Med/PIP claim	$853	$142
One comp claim	$864	$147
Two comp claims	$874	$145
Two Med/PIP claims	$874	$149
Failure to wear a seat belt	$969	$162
Failure to show documents	$984	$167
Child safety restraint	$989	$165
Driving without lights	$989	$168
Cell phone violation	$1005	$167
Driving with expired registration	$1005	$171
Speeding 6 - 10 MPH over limit	$1005	$167
Driving too slowly	$1010	$172
Speeding 11 - 15 MPH over limit	$1010	$168
Speeding in school zone	$1010	$172
Failure to yield	$1015	$169
Following too closely	$1015	$173
Illegal turn	$1015	$169
Speeding 16 - 20 MPH over limit	$1015	$173
Texting while driving	$1015	$169
Improper passing	$1025	$174
Wrong way/wrong lane	$1025	$171
Failure to stop at a red light	$1030	$175
In 65 MPH zone	$1046	$174
Speeding 21 - 25 MPH over limit	$1070	$182
At-fault accident - less than $1000	$1085	$181
Passing school bus	$1085	$184
Operating a vehicle without permission	$1151	$192
Open container	$1161	$197
At-fault accident - $1000-$2000	$1252	$209
At-fault accident - greater than $2000	$1252	$213
Reckless driving	$1580	$264
Racing	$1585	$269
Driving with a suspended license	$1626	$271
Refusal to submit to a chemical test	$1656	$281
DUI	$1686	$281
Leaving scene of an accident/hit and run	$1686	$286

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Bluff City 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 Bluff City.

The cheapest car insurance premiums in Bluff City are offered by Tennessee Farm Bureau at $222 for a six-month policy. However, it can be as expensive as $1393 with companies like Allstate.

Bluff City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$222	$37
Farmers	$258	$43
Erie	$263	$45
Grange	$343	$57
Travelers	$424	$71
State Farm	$611	$103
Progressive	$636	$107
USAA	$722	$122
Tennessee Farmers	$979	$167
Allstate	$1393	$232

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 Bluff City are offered by Westfield at $136. However, it can be as expensive as $232 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Bluff City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Tennessee Farm Bureau	$141	$24
Erie	$162	$27
Auto-Owners Insurance Co	$197	$33
State Farm	$197	$33
Cincinnati	$207	$35
Travelers	$222	$37
Chubb	$227	$38
Progressive	$232	$39

Car Insurance Price Trends in Bluff City, Tennessee

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

The average cost of full coverage in the Bluff City remained steady at $82 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Bluff City remained steady at $31 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Bluff City?

The car insurance in Bluff City is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Bluff City?

The cheapest car insurance in Bluff City is $60 per month for full coverage.

How much is car insurance in Bluff City for teenagers?

Car insurance for teenagers costs $136 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 Bluff City?

The average cost of car insurance is $816 for a six-month policy. It will cost around $116 per month to insure your car in Bluff City.

Is car insurance expensive in Bluff City?

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

Cheapest Car Insurance Quotes in Bluff City

Why you can trust Way?

How Much Is Car Insurance in Bluff City

Avg. Car Insurance in Bluff City

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Bluff City

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Bluff City Car Insurance Rates by Company

Cheap Car Insurance Companies in Bluff City, TN

Way's key takeaways about car insurance in Bluff City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bluff City

Cheapest Liability Coverage in Bluff City, TN

Cheapest Full Coverage Car Insurance in Bluff City

Cheapest Full Coverage Car Insurance Quotes in Bluff City, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bluff City by Rating Factor

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

Car Insurance Premiums by Age in Bluff City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bluff City,TN

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

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 Bluff City

Cheapest Car Insurance Companies after an At-Fault Accident in Bluff City

Bluff City Car Insurance Rates by Violation

Bluff City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bluff City after a DUI

Bluff City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bluff City after Speeding ticket

Car Insurance Price Trends in Bluff City, Tennessee

Average Car Insurance Cost in Bluff City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bluff City, TN

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

Featured Blogs

Data Sources