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Finding the cheapest car insurance quotes in Brunswick 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.
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 Brunswick
The car insurance rate in Brunswick is $1115 for a six-month policy, which is $237 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Brunswick 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.
At $544 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 $573 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 $611
for six months, making it
the third cheapest auto insurance company in Brunswick.
Brunswick Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Brunswick, TN is AutoOwners Insurance Co, offering policies at just $544 for a six-month term. This is followed by Westfield, which has an average six-month premium of $573.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1833 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brunswick drivers find the best deals.
Way's key takeaways about car insurance in Brunswick
The auto insurance costs in Brunswick fall around $544 for six
months.
The cheapest auto insurance company in Brunswick is Westfield.
Teen drivers pay the highest rate in Brunswick at $1142 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Brunswick
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 Brunswick are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Brunswick. Their Average 6 Month Premium is $174.
Allstate is the most
expensive at $611 for the same
period.
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 Brunswick is AutoOwners Insurance Co
at $93 per month and $544
for six months.
Cheapest Full Coverage Car Insurance Quotes in Brunswick,
TN
Get Your Car Insurance Quote in Brunswick
Instantly!
Average Car Insurance in Brunswick 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 Brunswick, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Brunswick, 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, Brunswick's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Brunswick
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
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Cheapest Car Insurance Rates for Teen Drivers in
Brunswick,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Brunswick at $34
per
month. At $6714 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Brunswick.
As young drivers face the highest rates in Brunswick, N/A
offers the cheapest auto insurance rates at $N/A 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 Brunswick,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $241 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
Brunswick is State Farm, offering
rates of around $6322 for six
months.
Save up to $971/yr on car insurance rates in Brunswick.
Car Insurance Rates with An Accident in Brunswick
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 Brunswick, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Brunswick
The cheapest car insurance companies after an at-fault accident in
Brunswick include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $211
and $218,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3659.
Here is a list of driving violations that can increase your car
insurance rates in Brunswick TN. For example, the car
insurance in Brunswick
after a DUI increases to $1260 for a six
month policy. While the rate increases by $241 for a six-month policy in the case of
a speeding ticket.
Brunswick auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1260
$210
Not-at-fault accident
$1267
$216
One Med/PIP claim
$1275
$212
One comp claim
$1290
$220
Two comp claims
$1306
$217
Two Med/PIP claims
$1306
$222
Failure to wear a seat belt
$1448
$241
Failure to show documents
$1471
$250
Child safety restraint
$1478
$246
Driving without lights
$1478
$251
Cell phone violation
$1501
$250
Driving with expired registration
$1501
$255
Speeding 6 - 10 MPH over limit
$1501
$250
Driving too slowly
$1509
$257
Speeding 11 - 15 MPH over limit
$1509
$251
Speeding in school zone
$1509
$257
Failure to yield
$1516
$253
Following too closely
$1516
$258
Illegal turn
$1516
$253
Speeding 16 - 20 MPH over limit
$1516
$258
Texting while driving
$1516
$253
Improper passing
$1532
$260
Wrong way/wrong lane
$1532
$255
Failure to stop at a red light
$1539
$262
In 65 MPH zone
$1562
$260
Speeding 21 - 25 MPH over limit
$1599
$272
At-fault accident - less than $1000
$1622
$271
Passing school bus
$1622
$276
Operating a vehicle without permission
$1720
$287
Open container
$1735
$295
At-fault accident - $1000-$2000
$1871
$312
At-fault accident - greater than $2000
$1871
$318
Reckless driving
$2361
$394
Racing
$2369
$403
Driving with a suspended license
$2430
$405
Refusal to submit to a chemical test
$2474
$420
DUI
$2520
$420
Leaving scene of an accident/hit and run
$2520
$428
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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 Brunswick 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 Brunswick.
The cheapest car insurance premiums in
Brunswick are
offered by Tennessee Farm Bureau at $331 for a six-month policy.
However, it can be as
expensive as $2656 with companies
like AutoOwners.
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 Brunswick are offered by Westfield
at $203. However,
it can be as expensive as $2678
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Brunswick after Speeding ticket
Car Insurance Price Trends in Brunswick,
Tennessee
Car insurance rates in Brunswick have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Brunswick rose by
$221 in January
compared to $122 of December. In other words, there has been an increase by $99 when you
compare January and December.
The average cost of liability insurance in the Brunswick rose to $53 in January,
compared to $47 in December.
This represents an increase of $6
when comparing January and December.
Average Car Insurance Cost in Brunswick by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Brunswick. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Brunswick?
The car insurance in Brunswick is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Brunswick?
The cheapest car insurance in Brunswick
is $93 per month
for full coverage.
How much is car insurance in Brunswick for teenagers?
Car insurance for teenagers costs $203 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
Brunswick?
The average cost of car insurance is $878 for a six-month
policy. It will cost around $188 per month to insure your
car in Brunswick.
Is car insurance expensive in Brunswick?
Car insurance can be expensive in Brunswick if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Brunswick can be
affordable.
What is the best car insurance in Brunswick,
TN?
The best car insurance company in Brunswick
TN is
AutoOwners Insurance Co, offering $544 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Brunswick, TN
Car Insurance Rates by State in the USA (2025 Update)
Brunswick Car Insurance
