Cheapest Car Insurance Quotes in Butler

Finding the cheapest car insurance quotes in Butler 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

Butler 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 Butler

The car insurance rate in Butler is $718 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, making it a popular choice for budget-conscious drivers. Rates in Butler 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 Butler

$718

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Butler

1st place: AutoOwners Insurance Co

At $377 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 $397 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $397 for six months, making it the third cheapest auto insurance company in Butler.

Butler Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Butler, TN is AutoOwners Insurance Co, offering policies at just $377 for a six-month term. This is followed by Erie, which has an average six-month premium of $397.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1202 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Butler drivers find the best deals.

Cheap Car Insurance Companies in Butler, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$377	$62
Erie	$397	$68
Westfield	$397	$66
Tennessee Farm Bureau	$423	$72
Travelers	$590	$99
Farmers	$716	$121
USAA	$722	$121
Grange	$727	$122
Farm Bureau of Tennessee	$752	$126
Tennessee Farmers	$841	$143
Penn National	$910	$151
State Farm	$994	$169
Nationwide	$1008	$168
Progressive	$1202	$204

Key Takeaways

Way's key takeaways about car insurance in Butler

The auto insurance costs in Butler fall around $377 for six months.
The cheapest auto insurance company in Butler is Westfield.
Teen drivers pay the highest rate in Butler at $42 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 Butler

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 Butler are given below.

Westfield provides the cheapest minimum car insurance coverage in Butler. Their Average 6 Month Premium is $121. AutoOwners is the most expensive at $172 for the same period.

Cheapest Liability Coverage in Butler, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
Auto-Owners Insurance Co	$141	$24
Tennessee Farm Bureau	$146	$25
Farm Bureau of Tennessee	$151	$26
Tennessee Farmers	$172	$29
USAA	$172	$29
Cincinnati	$178	$30
Erie	$188	$32
Travelers	$188	$32
Farmers	$199	$33
Penn National	$215	$36
Progressive	$235	$40
State Farm	$235	$40
Allstate	$382	$65
Auto-Owners	$172	$29

Cheapest Full Coverage Car Insurance in Butler

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 Butler is AutoOwners Insurance Co at $62 per month and $377 for six months.

Cheapest Full Coverage Car Insurance Quotes in Butler, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$377	$62
Erie	$397	$68
Westfield	$397	$66
Tennessee Farm Bureau	$423	$72
Travelers	$590	$99
Farmers	$716	$121
USAA	$722	$121
Grange	$727	$122
Farm Bureau of Tennessee	$752	$126
Tennessee Farmers	$841	$143
Penn National	$910	$151
State Farm	$994	$169
Nationwide	$1008	$168
Progressive	$1202	$204

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Butler Instantly!

Average Car Insurance in Butler 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 Butler, TN increasing?

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

Car Insurance Premiums by Age in Butler

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	$533
30s	Penn National	$367
40s	Penn National	$333
50s	Penn National	$308
60s	Penn National	$323
70s	Penn National	$371

Cheapest Car Insurance Rates for Teen Drivers in Butler,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Butler at $24 per month. At $251 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
USAA	$167	$28
Tennessee Farm Bureau	$199	$33
Travelers	$199	$33
Auto-Owners Insurance Co	$209	$35
Farmers	$224	$38
Grange	$224	$38
Progressive	$224	$38
Cincinnati	$230	$39
Erie	$230	$39
State Farm	$251	$42

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 Butler.

As young drivers face the highest rates in Butler, Penn National offers the cheapest auto insurance rates at $533 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 Butler, Tennessee Farm Bureau is the cheapest car insurance provider. At $167 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 Butler is Erie, offering rates of around $329 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$167	$28
Westfield	$219	$37
Grange	$261	$45
Farmers	$282	$47
Progressive	$282	$48
Travelers	$282	$47
Cincinnati	$308	$53
Erie	$329	$55

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Butler

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

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

The cheapest car insurance companies after an at-fault accident in Butler include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $146 and $151, respectively. Grange is an expensive provider with an average six-month premium of $282.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$146	$25
Farm Bureau of Tennessee	$151	$26
Westfield	$204	$34
USAA	$219	$37
Farmers	$224	$38
Travelers	$230	$39
Progressive	$240	$40
Erie	$256	$43
State Farm	$256	$43
Auto-Owners Insurance Co	$261	$45
Grange	$282	$47

Butler Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Butler TN. For example, the car insurance in Butler after a DUI increases to $873 for a six month policy. While the rate increases by $167 for a six-month policy in the case of a speeding ticket.

Butler auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$873	$145
Not-at-fault accident	$878	$150
One Med/PIP claim	$884	$147
One comp claim	$894	$152
Two comp claims	$905	$150
Two Med/PIP claims	$905	$154
Failure to wear a seat belt	$1003	$167
Failure to show documents	$1019	$173
Child safety restraint	$1024	$171
Driving without lights	$1024	$174
Cell phone violation	$1040	$173
Driving with expired registration	$1040	$177
Speeding 6 - 10 MPH over limit	$1040	$173
Driving too slowly	$1045	$178
Speeding 11 - 15 MPH over limit	$1045	$174
Speeding in school zone	$1045	$178
Failure to yield	$1051	$175
Following too closely	$1051	$179
Illegal turn	$1051	$175
Speeding 16 - 20 MPH over limit	$1051	$179
Texting while driving	$1051	$175
Improper passing	$1061	$180
Wrong way/wrong lane	$1061	$177
Failure to stop at a red light	$1067	$181
In 65 MPH zone	$1082	$180
Speeding 21 - 25 MPH over limit	$1108	$188
At-fault accident - less than $1000	$1124	$187
Passing school bus	$1124	$191
Operating a vehicle without permission	$1192	$199
Open container	$1202	$204
At-fault accident - $1000-$2000	$1296	$216
At-fault accident - greater than $2000	$1296	$220
Reckless driving	$1636	$273
Racing	$1641	$279
Driving with a suspended license	$1683	$281
Refusal to submit to a chemical test	$1714	$291
DUI	$1746	$291
Leaving scene of an accident/hit and run	$1746	$297

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 Butler 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 Butler.

The cheapest car insurance premiums in Butler are offered by Tennessee Farm Bureau at $230 for a six-month policy. However, it can be as expensive as $1442 with companies like Allstate.

Butler car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$230	$39
Farmers	$267	$45
Erie	$272	$47
Grange	$356	$59
Travelers	$439	$74
State Farm	$633	$106
Progressive	$658	$111
USAA	$747	$126
Tennessee Farmers	$1014	$172
Allstate	$1442	$240

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 Butler are offered by Westfield at $141. However, it can be as expensive as $240 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Butler after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
Tennessee Farm Bureau	$146	$25
Erie	$167	$28
Auto-Owners Insurance Co	$204	$34
State Farm	$204	$34
Cincinnati	$215	$36
Travelers	$230	$39
Chubb	$235	$40
Progressive	$240	$40

Car Insurance Price Trends in Butler, Tennessee

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

The average cost of full coverage in the Butler remained steady at $84 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Butler remained steady at $33 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 Butler?

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

What is the cheapest car insurance in Butler?

The cheapest car insurance in Butler is $62 per month for full coverage.

How much is car insurance in Butler for teenagers?

Car insurance for teenagers costs $141 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 Butler?

The average cost of car insurance is $816 for a six-month policy. It will cost around $121 per month to insure your car in Butler.

Is car insurance expensive in Butler?

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

Cheapest Car Insurance Quotes in Butler

Why you can trust Way?

How Much Is Car Insurance in Butler

Avg. Car Insurance in Butler

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Butler

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Butler Car Insurance Rates by Company

Cheap Car Insurance Companies in Butler, TN

Way's key takeaways about car insurance in Butler

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Butler

Cheapest Liability Coverage in Butler, TN

Cheapest Full Coverage Car Insurance in Butler

Cheapest Full Coverage Car Insurance Quotes in Butler, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Butler by Rating Factor

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

Car Insurance Premiums by Age in Butler

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Butler,TN

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

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 Butler

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

Butler Car Insurance Rates by Violation

Butler auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Butler after a DUI

Butler car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Butler after Speeding ticket

Car Insurance Price Trends in Butler, Tennessee

Average Car Insurance Cost in Butler by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Butler, TN

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

Featured Blogs

Data Sources