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Finding the cheapest car insurance quotes in Chuckey 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 Chuckey
The car insurance rate in Chuckey is $799 for a six-month policy, which is $79 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $389, making it a popular choice for budget-conscious drivers. Rates in Chuckey 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 $389 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 $410 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 $438
for six months, making it
the third cheapest auto insurance company in Chuckey.
Chuckey Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chuckey, TN is AutoOwners Insurance Co, offering policies at just $389 for a six-month term. This is followed by Westfield, which has an average six-month premium of $410.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1313 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chuckey drivers find the best deals.
Way's key takeaways about car insurance in Chuckey
The auto insurance costs in Chuckey fall around $389 for six
months.
The cheapest auto insurance company in Chuckey is Westfield.
Teen drivers pay the highest rate in Chuckey at $818 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 Chuckey
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 Chuckey are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Chuckey. Their Average 6 Month Premium is $125.
Allstate is the most
expensive at $438 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 Chuckey is AutoOwners Insurance Co
at $66 per month and $389
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chuckey,
TN
Get Your Car Insurance Quote in Chuckey
Instantly!
Average Car Insurance in Chuckey 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 Chuckey, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chuckey, 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, Chuckey's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Chuckey
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
Chuckey,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Chuckey at $25
per
month. At $4811 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 Chuckey.
As young drivers face the highest rates in Chuckey, 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 Chuckey,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $173 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
Chuckey is State Farm, offering
rates of around $4530 for six
months.
Save up to $971/yr on car insurance rates in Chuckey.
Car Insurance Rates with An Accident in Chuckey
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 Chuckey, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chuckey
The cheapest car insurance companies after an at-fault accident in
Chuckey include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $151
and $157,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2622.
Here is a list of driving violations that can increase your car
insurance rates in Chuckey TN. For example, the car
insurance in Chuckey
after a DUI increases to $902 for a six
month policy. While the rate increases by $173 for a six-month policy in the case of
a speeding ticket.
Chuckey auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$903
$150
Not-at-fault accident
$908
$155
One Med/PIP claim
$914
$152
One comp claim
$925
$157
Two comp claims
$935
$156
Two Med/PIP claims
$935
$159
Failure to wear a seat belt
$1037
$173
Failure to show documents
$1054
$179
Child safety restraint
$1059
$177
Driving without lights
$1059
$180
Cell phone violation
$1076
$179
Driving with expired registration
$1076
$183
Speeding 6 - 10 MPH over limit
$1076
$179
Driving too slowly
$1081
$184
Speeding 11 - 15 MPH over limit
$1081
$180
Speeding in school zone
$1081
$184
Failure to yield
$1087
$181
Following too closely
$1087
$185
Illegal turn
$1087
$181
Speeding 16 - 20 MPH over limit
$1087
$185
Texting while driving
$1087
$181
Improper passing
$1097
$187
Wrong way/wrong lane
$1097
$183
Failure to stop at a red light
$1103
$187
In 65 MPH zone
$1119
$187
Speeding 21 - 25 MPH over limit
$1146
$195
At-fault accident - less than $1000
$1162
$194
Passing school bus
$1162
$197
Operating a vehicle without permission
$1232
$206
Open container
$1243
$211
At-fault accident - $1000-$2000
$1340
$224
At-fault accident - greater than $2000
$1340
$228
Reckless driving
$1692
$282
Racing
$1697
$288
Driving with a suspended license
$1741
$290
Refusal to submit to a chemical test
$1773
$301
DUI
$1805
$301
Leaving scene of an accident/hit and run
$1805
$307
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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 Chuckey 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 Chuckey.
The cheapest car insurance premiums in
Chuckey are
offered by Tennessee Farm Bureau at $238 for a six-month policy.
However, it can be as
expensive as $1903 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 Chuckey are offered by Westfield
at $146. However,
it can be as expensive as $1919
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Chuckey after Speeding ticket
Car insurance rates in Chuckey have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chuckey rose by
$158 in January
compared to $87 of December. In other words, there has been an increase by $71 when you
compare January and December.
The average cost of liability insurance in the Chuckey rose to $38 in January,
compared to $34 in December.
This represents an increase of $4
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Chuckey. At $1597 for a
six-month policy, insuring
your car at 37641 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 Chuckey?
The car insurance in Chuckey is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Chuckey?
The cheapest car insurance in Chuckey
is $66 per month
for full coverage.
How much is car insurance in Chuckey for teenagers?
Car insurance for teenagers costs $146 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
Chuckey?
The average cost of car insurance is $878 for a six-month
policy. It will cost around $135 per month to insure your
car in Chuckey.
Is car insurance expensive in Chuckey?
Car insurance can be expensive in Chuckey if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chuckey can be
affordable.
What is the best car insurance in Chuckey,
TN?
The best car insurance company in Chuckey
TN is
AutoOwners Insurance Co, offering $389 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Chuckey, TN
Car Insurance Rates by State in the USA (2025 Update)
Chuckey Car Insurance
