Cheapest Car Insurance Quotes in Braden

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Braden Car Insurance

^$ 27

/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 Braden

The car insurance rate in Braden is $955 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $501, making it a popular choice for budget-conscious drivers. Rates in Braden 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 Braden

$955

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Braden

1st place: AutoOwners Insurance Co

At $501 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 $528 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $528 for six months, making it the third cheapest auto insurance company in Braden.

Braden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Braden, TN is AutoOwners Insurance Co, offering policies at just $501 for a six-month term. This is followed by Erie, which has an average six-month premium of $528.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1598 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Braden drivers find the best deals.

Cheap Car Insurance Companies in Braden, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$501	$83
Erie	$528	$90
Westfield	$528	$88
Tennessee Farm Bureau	$563	$96
Travelers	$785	$132
Farmers	$952	$160
USAA	$959	$161
Grange	$966	$163
Farm Bureau of Tennessee	$1000	$167
Tennessee Farmers	$1119	$191
Penn National	$1210	$201
State Farm	$1321	$225
Nationwide	$1341	$223
Progressive	$1598	$271

Key Takeaways

Way's key takeaways about car insurance in Braden

The auto insurance costs in Braden fall around $501 for six months.
The cheapest auto insurance company in Braden is Westfield.
Teen drivers pay the highest rate in Braden at $56 per month.

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Cheapest Minimum Liability Car Insurance in Braden

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 Braden are given below.

Westfield provides the cheapest minimum car insurance coverage in Braden. Their Average 6 Month Premium is $160. AutoOwners is the most expensive at $229 for the same period.

Cheapest Liability Coverage in Braden, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Auto-Owners Insurance Co	$187	$32
Tennessee Farm Bureau	$194	$33
Farm Bureau of Tennessee	$201	$34
Tennessee Farmers	$229	$39
USAA	$229	$39
Cincinnati	$236	$40
Erie	$250	$42
Travelers	$250	$42
Farmers	$264	$44
Penn National	$285	$48
Progressive	$312	$53
State Farm	$312	$53
Allstate	$508	$87
Auto-Owners	$229	$39

Cheapest Full Coverage Car Insurance in Braden

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 Braden is AutoOwners Insurance Co at $83 per month and $501 for six months.

Cheapest Full Coverage Car Insurance Quotes in Braden, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$501	$83
Erie	$528	$90
Westfield	$528	$88
Tennessee Farm Bureau	$563	$96
Travelers	$785	$132
Farmers	$952	$160
USAA	$959	$161
Grange	$966	$163
Farm Bureau of Tennessee	$1000	$167
Tennessee Farmers	$1119	$191
Penn National	$1210	$201
State Farm	$1321	$225
Nationwide	$1341	$223
Progressive	$1598	$271

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Average Car Insurance in Braden 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 Braden, TN increasing?

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

Car Insurance Premiums by Age in Braden

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	$709
30s	Penn National	$488
40s	Penn National	$442
50s	Penn National	$410
60s	Penn National	$429
70s	Penn National	$494

Cheapest Car Insurance Rates for Teen Drivers in Braden,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Braden at $32 per month. At $333 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$32
USAA	$222	$37
Tennessee Farm Bureau	$264	$44
Travelers	$264	$44
Auto-Owners Insurance Co	$278	$47
Farmers	$298	$50
Grange	$298	$50
Progressive	$298	$50
Cincinnati	$305	$51
Erie	$305	$51
State Farm	$333	$56

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 Braden.

As young drivers face the highest rates in Braden, Penn National offers the cheapest auto insurance rates at $709 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 Braden, Tennessee Farm Bureau is the cheapest car insurance provider. At $222 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 Braden is Erie, offering rates of around $438 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$222	$37
Westfield	$291	$49
Grange	$347	$60
Farmers	$376	$62
Progressive	$376	$64
Travelers	$376	$62
Cincinnati	$410	$70
Erie	$438	$73

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Car Insurance Rates with An Accident in Braden

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

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

The cheapest car insurance companies after an at-fault accident in Braden include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $194 and $201, respectively. Grange is an expensive provider with an average six-month premium of $376.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$194	$33
Farm Bureau of Tennessee	$201	$34
Westfield	$271	$46
USAA	$291	$49
Farmers	$298	$50
Travelers	$305	$51
Progressive	$319	$54
Erie	$340	$57
State Farm	$340	$57
Auto-Owners Insurance Co	$347	$60
Grange	$376	$62

Braden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Braden TN. For example, the car insurance in Braden after a DUI increases to $1160 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Braden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1161	$193
Not-at-fault accident	$1168	$199
One Med/PIP claim	$1175	$195
One comp claim	$1189	$202
Two comp claims	$1203	$200
Two Med/PIP claims	$1203	$205
Failure to wear a seat belt	$1334	$222
Failure to show documents	$1355	$230
Child safety restraint	$1362	$227
Driving without lights	$1362	$232
Cell phone violation	$1383	$230
Driving with expired registration	$1383	$235
Speeding 6 - 10 MPH over limit	$1383	$230
Driving too slowly	$1390	$236
Speeding 11 - 15 MPH over limit	$1390	$232
Speeding in school zone	$1390	$236
Failure to yield	$1397	$233
Following too closely	$1397	$238
Illegal turn	$1397	$233
Speeding 16 - 20 MPH over limit	$1397	$238
Texting while driving	$1397	$233
Improper passing	$1411	$240
Wrong way/wrong lane	$1411	$235
Failure to stop at a red light	$1418	$241
In 65 MPH zone	$1439	$240
Speeding 21 - 25 MPH over limit	$1473	$250
At-fault accident - less than $1000	$1494	$249
Passing school bus	$1494	$254
Operating a vehicle without permission	$1584	$264
Open container	$1598	$271
At-fault accident - $1000-$2000	$1723	$288
At-fault accident - greater than $2000	$1723	$293
Reckless driving	$2175	$363
Racing	$2182	$371
Driving with a suspended license	$2238	$373
Refusal to submit to a chemical test	$2279	$387
DUI	$2321	$387
Leaving scene of an accident/hit and run	$2321	$394

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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 Braden 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 Braden.

The cheapest car insurance premiums in Braden are offered by Tennessee Farm Bureau at $305 for a six-month policy. However, it can be as expensive as $1918 with companies like Allstate.

Braden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$305	$51
Farmers	$355	$60
Erie	$362	$62
Grange	$473	$78
Travelers	$584	$98
State Farm	$841	$142
Progressive	$875	$147
USAA	$993	$167
Tennessee Farmers	$1348	$229
Allstate	$1918	$319

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 Braden are offered by Westfield at $187. However, it can be as expensive as $319 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Braden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$32
Tennessee Farm Bureau	$194	$33
Erie	$222	$37
Auto-Owners Insurance Co	$271	$46
State Farm	$271	$46
Cincinnati	$285	$48
Travelers	$305	$51
Chubb	$312	$53
Progressive	$319	$54

Car Insurance Price Trends in Braden, Tennessee

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

The average cost of full coverage in the Braden remained steady at $112 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Braden remained steady at $43 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 Braden?

The car insurance in Braden is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Braden?

The cheapest car insurance in Braden is $83 per month for full coverage.

How much is car insurance in Braden for teenagers?

Car insurance for teenagers costs $187 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 Braden?

The average cost of car insurance is $816 for a six-month policy. It will cost around $160 per month to insure your car in Braden.

Is car insurance expensive in Braden?

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

Cheapest Car Insurance Quotes in Braden

Why you can trust Way?

How Much Is Car Insurance in Braden

Avg. Car Insurance in Braden

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Braden

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Braden Car Insurance Rates by Company

Cheap Car Insurance Companies in Braden, TN

Way's key takeaways about car insurance in Braden

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Braden

Cheapest Liability Coverage in Braden, TN

Cheapest Full Coverage Car Insurance in Braden

Cheapest Full Coverage Car Insurance Quotes in Braden, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Braden by Rating Factor

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

Car Insurance Premiums by Age in Braden

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Braden,TN

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

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 Braden

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

Braden Car Insurance Rates by Violation

Braden auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Braden after a DUI

Braden car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Braden after Speeding ticket

Car Insurance Price Trends in Braden, Tennessee

Average Car Insurance Cost in Braden by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Braden, TN

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

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