Cheapest Car Insurance Quotes in Church Hill

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Church Hill 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 Church Hill

The car insurance rate in Church Hill is $726 for a six-month policy, which is $90 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, 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

$726

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Church Hill

1st place: AutoOwners Insurance Co

At $381 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 $401 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $401 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 $381 for a six-month term. This is followed by Erie, which has an average six-month premium of $401.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1216 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	$381	$63
Erie	$401	$69
Westfield	$401	$67
Tennessee Farm Bureau	$428	$73
Travelers	$597	$101
Farmers	$724	$122
USAA	$730	$123
Grange	$735	$124
Farm Bureau of Tennessee	$761	$127
Tennessee Farmers	$851	$145
Penn National	$920	$153
State Farm	$1005	$171
Nationwide	$1020	$170
Progressive	$1216	$206

Key Takeaways

Way's key takeaways about car insurance in Church Hill

The auto insurance costs in Church Hill fall around $381 for six months.
The cheapest auto insurance company in Church Hill is Westfield.
Teen drivers pay the highest rate in Church Hill at $43 per month.

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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 $122. AutoOwners is the most expensive at $174 for the same period.

Cheapest Liability Coverage in Church Hill, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$122	$20
Auto-Owners Insurance Co	$142	$24
Tennessee Farm Bureau	$148	$25
Farm Bureau of Tennessee	$153	$26
Tennessee Farmers	$174	$29
USAA	$174	$29
Cincinnati	$180	$30
Erie	$190	$32
Travelers	$190	$32
Farmers	$201	$34
Penn National	$217	$36
Progressive	$238	$40
State Farm	$238	$40
Allstate	$386	$66
Auto-Owners	$174	$29

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 $63 per month and $381 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	$381	$63
Erie	$401	$69
Westfield	$401	$67
Tennessee Farm Bureau	$428	$73
Travelers	$597	$101
Farmers	$724	$122
USAA	$730	$123
Grange	$735	$124
Farm Bureau of Tennessee	$761	$127
Tennessee Farmers	$851	$145
Penn National	$920	$153
State Farm	$1005	$171
Nationwide	$1020	$170
Progressive	$1216	$206

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Penn National	$539
30s	Penn National	$371
40s	Penn National	$336
50s	Penn National	$312
60s	Penn National	$327
70s	Penn National	$376

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 $24 per month. At $254 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
USAA	$169	$28
Tennessee Farm Bureau	$201	$34
Travelers	$201	$34
Auto-Owners Insurance Co	$212	$36
Farmers	$227	$38
Grange	$227	$38
Progressive	$227	$38
Cincinnati	$232	$39
Erie	$232	$39
State Farm	$254	$43

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 Church Hill.

As young drivers face the highest rates in Church Hill, Penn National offers the cheapest auto insurance rates at $539 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 Church Hill, Tennessee Farm Bureau is the cheapest car insurance provider. At $169 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 Erie, offering rates of around $333 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$169	$28
Westfield	$222	$37
Grange	$264	$45
Farmers	$286	$47
Progressive	$286	$49
Travelers	$286	$47
Cincinnati	$312	$53
Erie	$333	$55

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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 $148 and $153, respectively. Grange is an expensive provider with an average six-month premium of $286.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$148	$25
Farm Bureau of Tennessee	$153	$26
Westfield	$206	$35
USAA	$222	$37
Farmers	$227	$38
Travelers	$232	$39
Progressive	$243	$41
Erie	$259	$44
State Farm	$259	$44
Auto-Owners Insurance Co	$264	$45
Grange	$286	$47

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 $883 for a six month policy. While the rate increases by $169 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	$883	$147
Not-at-fault accident	$888	$151
One Med/PIP claim	$894	$149
One comp claim	$904	$154
Two comp claims	$915	$152
Two Med/PIP claims	$915	$156
Failure to wear a seat belt	$1015	$169
Failure to show documents	$1031	$175
Child safety restraint	$1036	$173
Driving without lights	$1036	$176
Cell phone violation	$1052	$175
Driving with expired registration	$1052	$179
Speeding 6 - 10 MPH over limit	$1052	$175
Driving too slowly	$1057	$180
Speeding 11 - 15 MPH over limit	$1057	$176
Speeding in school zone	$1057	$180
Failure to yield	$1063	$177
Following too closely	$1063	$181
Illegal turn	$1063	$177
Speeding 16 - 20 MPH over limit	$1063	$181
Texting while driving	$1063	$177
Improper passing	$1073	$182
Wrong way/wrong lane	$1073	$179
Failure to stop at a red light	$1079	$183
In 65 MPH zone	$1095	$182
Speeding 21 - 25 MPH over limit	$1121	$190
At-fault accident - less than $1000	$1137	$190
Passing school bus	$1137	$193
Operating a vehicle without permission	$1205	$201
Open container	$1216	$206
At-fault accident - $1000-$2000	$1311	$219
At-fault accident - greater than $2000	$1311	$223
Reckless driving	$1655	$276
Racing	$1660	$282
Driving with a suspended license	$1703	$284
Refusal to submit to a chemical test	$1734	$295
DUI	$1766	$295
Leaving scene of an accident/hit and run	$1766	$300

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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 $232 for a six-month policy. However, it can be as expensive as $1459 with companies like Allstate.

Church Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$232	$39
Farmers	$270	$45
Erie	$275	$47
Grange	$360	$60
Travelers	$444	$75
State Farm	$640	$108
Progressive	$666	$112
USAA	$756	$127
Tennessee Farmers	$1025	$174
Allstate	$1459	$243

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 $142. However, it can be as expensive as $243 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Church Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
Tennessee Farm Bureau	$148	$25
Erie	$169	$28
Auto-Owners Insurance Co	$206	$35
State Farm	$206	$35
Cincinnati	$217	$36
Travelers	$232	$39
Chubb	$238	$40
Progressive	$243	$41

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 remained steady at $85 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Church Hill remained steady at $33 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Church Hill?

The car insurance in Church Hill is $20 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 $63 per month for full coverage.

How much is car insurance in Church Hill for teenagers?

Car insurance for teenagers costs $142 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 $816 for a six-month policy. It will cost around $122 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: Erie

3rd place: Westfield

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 Penn National 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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