Cheapest Car Insurance Quotes in Church Hill

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Church Hill Car Insurance

^$ 21

/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 Church Hill

The car insurance rate in Church Hill 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 Church Hill 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 Church Hill

$799

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Church Hill

1st place: AutoOwners Insurance Co

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 Church Hill.

Church Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Church Hill, 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 Church Hill drivers find the best deals.

Cheap Car Insurance Companies in Church Hill, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$389	$66
Westfield	$410	$68
Tennessee Farm Bureau	$438	$75
Erie	$611	$103
Travelers	$638	$107
USAA	$692	$116
Grange	$752	$126
Farm Bureau of Tennessee	$778	$130
Auto-Owners	$800	$136
Farmers	$865	$146
Tennessee Farmers	$870	$148
Penn National	$941	$157
Nationwide	$1043	$177
State Farm	$1054	$177
Progressive	$1200	$202
Allstate	$1313	$219

Key Takeaways

Way's key takeaways about car insurance in Church Hill

The auto insurance costs in Church Hill fall around $389 for six months.
The cheapest auto insurance company in Church Hill is Westfield.
Teen drivers pay the highest rate in Church Hill at $818 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Church Hill

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 Church Hill are given below.

Westfield provides the cheapest minimum car insurance coverage in Church Hill. Their Average 6 Month Premium is $125. Allstate is the most expensive at $438 for the same period.

Cheapest Liability Coverage in Church Hill, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$125	$21
Auto-Owners Insurance Co	$146	$25
Tennessee Farm Bureau	$151	$25
Farm Bureau of Tennessee	$157	$26
Tennessee Farmers	$178	$30
USAA	$178	$30
Cincinnati	$184	$31
Erie	$206	$35
Travelers	$206	$35
Penn National	$222	$37
Auto-Owners	$232	$39
Farmers	$254	$43
State Farm	$265	$45
Progressive	$298	$50
Allstate	$438	$74

Cheapest Full Coverage Car Insurance in Church Hill

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 Church Hill is AutoOwners Insurance Co at $66 per month and $389 for six months.

Cheapest Full Coverage Car Insurance Quotes in Church Hill, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$389	$66
Westfield	$410	$68
Tennessee Farm Bureau	$438	$75
Erie	$611	$103
Travelers	$638	$107
USAA	$692	$116
Grange	$752	$126
Farm Bureau of Tennessee	$778	$130
Auto-Owners	$800	$136
Farmers	$865	$146
Tennessee Farmers	$870	$148
Penn National	$941	$157
Nationwide	$1043	$177
State Farm	$1054	$177
Progressive	$1200	$202
Allstate	$1313	$219

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Average Car Insurance in Church Hill 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 Church Hill, TN increasing?

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

Car Insurance Premiums by Age in Church Hill

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 Church Hill,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Church Hill at $25 per month. At $4811 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Tennessee Farm Bureau	$206	$35
Auto-Owners Insurance Co	$217	$36
Grange	$232	$39
Cincinnati	$238	$40
Erie	$800	$135
USAA	$800	$135
Travelers	$844	$142
State Farm	$1276	$215
Farmers	$1460	$246
Progressive	$2157	$363
Auto-Owners	$2773	$462
Allstate	$4811	$818

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 Church Hill, 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 Church Hill is State Farm, offering rates of around $4530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$173	$29
Westfield	$227	$38
Grange	$270	$46
Cincinnati	$319	$55
Travelers	$811	$137
Farmers	$935	$157
USAA	$956	$159
Progressive	$1076	$181
Erie	$1097	$185
Auto-Owners	$2114	$359
Allstate	$2287	$381
State Farm	$4530	$770

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Car Insurance Rates with An Accident in Church Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Church Hill

The cheapest car insurance companies after an at-fault accident in Church Hill 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$151	$25
Farm Bureau of Tennessee	$157	$26
Westfield	$211	$35
Auto-Owners Insurance Co	$270	$46
Grange	$292	$48
Travelers	$449	$76
Erie	$492	$83
USAA	$502	$85
State Farm	$535	$90
Farmers	$611	$103
Progressive	$935	$157
Auto-Owners	$1362	$232
Allstate	$2622	$437

Church Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Church Hill TN. For example, the car insurance in Church Hill 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.

Church Hill 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 Church Hill 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 Church Hill.

The cheapest car insurance premiums in Church Hill 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.

Church Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$238	$40
Grange	$368	$61
Travelers	$627	$106
Farmers	$719	$121
USAA	$854	$144
Erie	$886	$149
Progressive	$892	$150
Tennessee Farmers	$1048	$175
State Farm	$1059	$178
Allstate	$1627	$274
Auto-Owners	$1903	$324

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 Church Hill 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 Church Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Tennessee Farm Bureau	$151	$25
Auto-Owners Insurance Co	$211	$35
Cincinnati	$222	$37
Chubb	$243	$41
Erie	$524	$88
Travelers	$622	$105
USAA	$638	$108
State Farm	$692	$116
Auto-Owners	$800	$136
Progressive	$1000	$168
Farmers	$1362	$232
Allstate	$1919	$319

Car Insurance Price Trends in Church Hill, Tennessee

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

The average cost of full coverage in the Church Hill 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 Church Hill rose to $38 in January, compared to $34 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Church Hill?

The car insurance in Church Hill is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Church Hill?

The cheapest car insurance in Church Hill is $66 per month for full coverage.

How much is car insurance in Church Hill 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 Church Hill?

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 Church Hill.

Is car insurance expensive in Church Hill?

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

Cheapest Car Insurance Quotes in Church Hill

Why you can trust Way?

How Much Is Car Insurance in Church Hill

Avg. Car Insurance in Church Hill

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Church Hill

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Church Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Church Hill, TN

Way's key takeaways about car insurance in Church Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Church Hill

Cheapest Liability Coverage in Church Hill, TN

Cheapest Full Coverage Car Insurance in Church Hill

Cheapest Full Coverage Car Insurance Quotes in Church Hill, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Church Hill by Rating Factor

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

Car Insurance Premiums by Age in Church Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Church Hill,TN

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

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 Church Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Church Hill

Church Hill Car Insurance Rates by Violation

Church Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Church Hill after a DUI

Church Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Church Hill after Speeding ticket

Car Insurance Price Trends in Church Hill, Tennessee

Average Car Insurance Cost in Church Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Church Hill, TN

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

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