Cheapest Car Insurance Quotes in Brentwood

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Brentwood Car Insurance

^$ 23

/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 Brentwood

The car insurance rate in Brentwood is $869 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Brentwood 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 Brentwood

$869

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Brentwood

1st place: AutoOwners Insurance Co

At $424 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 $446 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 $476 for six months, making it the third cheapest auto insurance company in Brentwood.

Brentwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brentwood, TN is AutoOwners Insurance Co, offering policies at just $424 for a six-month term. This is followed by Westfield, which has an average six-month premium of $446.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1429 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brentwood drivers find the best deals.

Cheap Car Insurance Companies in Brentwood, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$72
Westfield	$446	$74
Tennessee Farm Bureau	$476	$81
Erie	$664	$112
Travelers	$694	$117
USAA	$752	$127
Grange	$818	$138
Farm Bureau of Tennessee	$846	$142
Auto-Owners	$870	$148
Farmers	$941	$158
Tennessee Farmers	$946	$161
Penn National	$1024	$170
Nationwide	$1135	$193
State Farm	$1146	$193
Progressive	$1306	$220
Allstate	$1429	$239

Key Takeaways

Way's key takeaways about car insurance in Brentwood

The auto insurance costs in Brentwood fall around $424 for six months.
The cheapest auto insurance company in Brentwood is Westfield.
Teen drivers pay the highest rate in Brentwood at $890 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Brentwood

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 Brentwood are given below.

Westfield provides the cheapest minimum car insurance coverage in Brentwood. Their Average 6 Month Premium is $136. Allstate is the most expensive at $476 for the same period.

Cheapest Liability Coverage in Brentwood, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Auto-Owners Insurance Co	$158	$27
Tennessee Farm Bureau	$164	$28
Farm Bureau of Tennessee	$170	$29
Tennessee Farmers	$194	$33
USAA	$194	$33
Cincinnati	$200	$34
Erie	$224	$38
Travelers	$224	$38
Penn National	$242	$41
Auto-Owners	$252	$43
Farmers	$276	$47
State Farm	$288	$49
Progressive	$324	$54
Allstate	$476	$80

Cheapest Full Coverage Car Insurance in Brentwood

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 Brentwood is AutoOwners Insurance Co at $72 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brentwood, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$424	$72
Westfield	$446	$74
Tennessee Farm Bureau	$476	$81
Erie	$664	$112
Travelers	$694	$117
USAA	$752	$127
Grange	$818	$138
Farm Bureau of Tennessee	$846	$142
Auto-Owners	$870	$148
Farmers	$941	$158
Tennessee Farmers	$946	$161
Penn National	$1024	$170
Nationwide	$1135	$193
State Farm	$1146	$193
Progressive	$1306	$220
Allstate	$1429	$239

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Average Car Insurance in Brentwood 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 Brentwood, TN increasing?

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

Car Insurance Premiums by Age in Brentwood

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 Brentwood,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Brentwood at $27 per month. At $5234 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
Tennessee Farm Bureau	$224	$38
Auto-Owners Insurance Co	$236	$40
Grange	$252	$43
Cincinnati	$258	$44
Erie	$870	$147
USAA	$870	$147
Travelers	$918	$154
State Farm	$1388	$234
Farmers	$1588	$267
Progressive	$2346	$395
Auto-Owners	$3017	$503
Allstate	$5234	$890

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 Brentwood, Tennessee Farm Bureau is the cheapest car insurance provider. At $188 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 Brentwood is State Farm, offering rates of around $4928 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$188	$32
Westfield	$247	$42
Grange	$294	$50
Cincinnati	$347	$59
Travelers	$882	$149
Farmers	$1018	$171
USAA	$1040	$173
Progressive	$1170	$197
Erie	$1194	$201
Auto-Owners	$2300	$391
Allstate	$2488	$415
State Farm	$4928	$838

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Car Insurance Rates with An Accident in Brentwood

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

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

The cheapest car insurance companies after an at-fault accident in Brentwood include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $164 and $170, respectively. Allstate is an expensive provider with an average six-month premium of $2852.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$164	$28
Farm Bureau of Tennessee	$170	$29
Westfield	$230	$39
Auto-Owners Insurance Co	$294	$50
Grange	$318	$52
Travelers	$488	$82
Erie	$536	$90
USAA	$546	$92
State Farm	$582	$98
Farmers	$664	$112
Progressive	$1018	$171
Auto-Owners	$1482	$252
Allstate	$2852	$475

Brentwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brentwood TN. For example, the car insurance in Brentwood after a DUI increases to $982 for a six month policy. While the rate increases by $188 for a six-month policy in the case of a speeding ticket.

Brentwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$982	$163
Not-at-fault accident	$988	$168
One Med/PIP claim	$994	$165
One comp claim	$1006	$171
Two comp claims	$1018	$169
Two Med/PIP claims	$1018	$173
Failure to wear a seat belt	$1129	$188
Failure to show documents	$1146	$195
Child safety restraint	$1152	$192
Driving without lights	$1152	$196
Cell phone violation	$1170	$195
Driving with expired registration	$1170	$199
Speeding 6 - 10 MPH over limit	$1170	$195
Driving too slowly	$1176	$200
Speeding 11 - 15 MPH over limit	$1176	$196
Speeding in school zone	$1176	$200
Failure to yield	$1182	$197
Following too closely	$1182	$201
Illegal turn	$1182	$197
Speeding 16 - 20 MPH over limit	$1182	$201
Texting while driving	$1182	$197
Improper passing	$1194	$203
Wrong way/wrong lane	$1194	$199
Failure to stop at a red light	$1200	$204
In 65 MPH zone	$1218	$203
Speeding 21 - 25 MPH over limit	$1246	$212
At-fault accident - less than $1000	$1264	$211
Passing school bus	$1264	$215
Operating a vehicle without permission	$1340	$224
Open container	$1352	$230
At-fault accident - $1000-$2000	$1458	$244
At-fault accident - greater than $2000	$1458	$248
Reckless driving	$1840	$307
Racing	$1846	$314
Driving with a suspended license	$1894	$316
Refusal to submit to a chemical test	$1929	$328
DUI	$1964	$328
Leaving scene of an accident/hit and run	$1964	$334

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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 Brentwood 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 Brentwood.

The cheapest car insurance premiums in Brentwood are offered by Tennessee Farm Bureau at $258 for a six-month policy. However, it can be as expensive as $2070 with companies like AutoOwners.

Brentwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$258	$44
Grange	$400	$66
Travelers	$682	$115
Farmers	$782	$132
USAA	$930	$156
Erie	$964	$162
Progressive	$970	$163
Tennessee Farmers	$1140	$190
State Farm	$1152	$194
Allstate	$1770	$298
Auto-Owners	$2070	$352

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 Brentwood are offered by Westfield at $158. However, it can be as expensive as $2088 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Brentwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
Tennessee Farm Bureau	$164	$28
Auto-Owners Insurance Co	$230	$39
Cincinnati	$242	$41
Chubb	$264	$45
Erie	$570	$96
Travelers	$676	$114
USAA	$694	$118
State Farm	$752	$127
Auto-Owners	$870	$148
Progressive	$1088	$183
Farmers	$1482	$252
Allstate	$2088	$347

Car Insurance Price Trends in Brentwood, Tennessee

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

The average cost of full coverage in the Brentwood rose by $172 in January compared to $95 of December. In other words, there has been an increase by $77 when you compare January and December.

The average cost of liability insurance in the Brentwood rose to $42 in January, compared to $37 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Brentwood?

The car insurance in Brentwood is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Brentwood?

The cheapest car insurance in Brentwood is $72 per month for full coverage.

How much is car insurance in Brentwood for teenagers?

Car insurance for teenagers costs $158 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 Brentwood?

The average cost of car insurance is $878 for a six-month policy. It will cost around $147 per month to insure your car in Brentwood.

Is car insurance expensive in Brentwood?

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

Cheapest Car Insurance Quotes in Brentwood

Why you can trust Way?

How Much Is Car Insurance in Brentwood

Avg. Car Insurance in Brentwood

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Brentwood

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Brentwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Brentwood, TN

Way's key takeaways about car insurance in Brentwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brentwood

Cheapest Liability Coverage in Brentwood, TN

Cheapest Full Coverage Car Insurance in Brentwood

Cheapest Full Coverage Car Insurance Quotes in Brentwood, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brentwood by Rating Factor

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

Car Insurance Premiums by Age in Brentwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brentwood,TN

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

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 Brentwood

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

Brentwood Car Insurance Rates by Violation

Brentwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brentwood after a DUI

Brentwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brentwood after Speeding ticket

Car Insurance Price Trends in Brentwood, Tennessee

Average Car Insurance Cost in Brentwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brentwood, TN

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

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