Cheapest Car Insurance Quotes in Clifton

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Clifton Car Insurance

^$ 26

/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 Clifton

The car insurance rate in Clifton is $983 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $479, making it a popular choice for budget-conscious drivers. Rates in Clifton 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 Clifton

$983

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Clifton

1st place: AutoOwners Insurance Co

At $479 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 $505 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 $539 for six months, making it the third cheapest auto insurance company in Clifton.

Clifton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clifton, TN is AutoOwners Insurance Co, offering policies at just $479 for a six-month term. This is followed by Westfield, which has an average six-month premium of $505.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1616 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clifton drivers find the best deals.

Cheap Car Insurance Companies in Clifton, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$479	$82
Westfield	$505	$84
Tennessee Farm Bureau	$539	$92
Erie	$752	$127
Travelers	$785	$132
USAA	$851	$143
Grange	$925	$156
Farm Bureau of Tennessee	$958	$160
Auto-Owners	$984	$167
Farmers	$1064	$179
Tennessee Farmers	$1071	$183
Penn National	$1158	$193
Nationwide	$1284	$218
State Farm	$1297	$218
Progressive	$1477	$249
Allstate	$1616	$270

Key Takeaways

Way's key takeaways about car insurance in Clifton

The auto insurance costs in Clifton fall around $479 for six months.
The cheapest auto insurance company in Clifton is Westfield.
Teen drivers pay the highest rate in Clifton at $1007 per month.

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Cheapest Minimum Liability Car Insurance in Clifton

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 Clifton are given below.

Westfield provides the cheapest minimum car insurance coverage in Clifton. Their Average 6 Month Premium is $153. Allstate is the most expensive at $539 for the same period.

Cheapest Liability Coverage in Clifton, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Auto-Owners Insurance Co	$179	$30
Tennessee Farm Bureau	$186	$31
Farm Bureau of Tennessee	$193	$32
Tennessee Farmers	$220	$37
USAA	$220	$37
Cincinnati	$226	$38
Erie	$253	$43
Travelers	$253	$43
Penn National	$273	$46
Auto-Owners	$286	$48
Farmers	$312	$53
State Farm	$326	$55
Progressive	$366	$62
Allstate	$539	$91

Cheapest Full Coverage Car Insurance in Clifton

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 Clifton is AutoOwners Insurance Co at $82 per month and $479 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clifton, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$479	$82
Westfield	$505	$84
Tennessee Farm Bureau	$539	$92
Erie	$752	$127
Travelers	$785	$132
USAA	$851	$143
Grange	$925	$156
Farm Bureau of Tennessee	$958	$160
Auto-Owners	$984	$167
Farmers	$1064	$179
Tennessee Farmers	$1071	$183
Penn National	$1158	$193
Nationwide	$1284	$218
State Farm	$1297	$218
Progressive	$1477	$249
Allstate	$1616	$270

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Average Car Insurance in Clifton 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 Clifton, TN increasing?

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

Car Insurance Premiums by Age in Clifton

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 Clifton,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Clifton at $30 per month. At $5921 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Tennessee Farm Bureau	$253	$43
Auto-Owners Insurance Co	$267	$45
Grange	$286	$48
Cincinnati	$292	$49
Erie	$984	$166
USAA	$984	$166
Travelers	$1038	$175
State Farm	$1570	$264
Farmers	$1796	$302
Progressive	$2654	$447
Auto-Owners	$3413	$569
Allstate	$5921	$1007

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 Clifton, Tennessee Farm Bureau is the cheapest car insurance provider. At $213 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 Clifton is State Farm, offering rates of around $5575 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$213	$36
Westfield	$279	$47
Grange	$333	$56
Cincinnati	$392	$67
Travelers	$998	$168
Farmers	$1151	$194
USAA	$1177	$196
Progressive	$1324	$223
Erie	$1351	$227
Auto-Owners	$2602	$442
Allstate	$2815	$469
State Farm	$5575	$948

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Car Insurance Rates with An Accident in Clifton

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

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

The cheapest car insurance companies after an at-fault accident in Clifton include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $186 and $193, respectively. Allstate is an expensive provider with an average six-month premium of $3227.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$186	$31
Farm Bureau of Tennessee	$193	$32
Westfield	$260	$44
Auto-Owners Insurance Co	$333	$57
Grange	$360	$59
Travelers	$552	$93
Erie	$606	$102
USAA	$618	$104
State Farm	$659	$111
Farmers	$752	$127
Progressive	$1151	$194
Auto-Owners	$1677	$286
Allstate	$3227	$538

Clifton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clifton TN. For example, the car insurance in Clifton after a DUI increases to $1111 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Clifton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1111	$185
Not-at-fault accident	$1118	$190
One Med/PIP claim	$1124	$187
One comp claim	$1138	$194
Two comp claims	$1151	$192
Two Med/PIP claims	$1151	$196
Failure to wear a seat belt	$1277	$213
Failure to show documents	$1297	$221
Child safety restraint	$1304	$217
Driving without lights	$1304	$222
Cell phone violation	$1324	$221
Driving with expired registration	$1324	$225
Speeding 6 - 10 MPH over limit	$1324	$221
Driving too slowly	$1331	$226
Speeding 11 - 15 MPH over limit	$1331	$222
Speeding in school zone	$1331	$226
Failure to yield	$1337	$223
Following too closely	$1337	$227
Illegal turn	$1337	$223
Speeding 16 - 20 MPH over limit	$1337	$227
Texting while driving	$1337	$223
Improper passing	$1351	$230
Wrong way/wrong lane	$1351	$225
Failure to stop at a red light	$1357	$231
In 65 MPH zone	$1378	$230
Speeding 21 - 25 MPH over limit	$1410	$240
At-fault accident - less than $1000	$1430	$239
Passing school bus	$1430	$243
Operating a vehicle without permission	$1516	$253
Open container	$1530	$260
At-fault accident - $1000-$2000	$1650	$276
At-fault accident - greater than $2000	$1650	$280
Reckless driving	$2082	$347
Racing	$2089	$355
Driving with a suspended license	$2143	$357
Refusal to submit to a chemical test	$2182	$371
DUI	$2222	$371
Leaving scene of an accident/hit and run	$2222	$377

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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 Clifton 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 Clifton.

The cheapest car insurance premiums in Clifton are offered by Tennessee Farm Bureau at $292 for a six-month policy. However, it can be as expensive as $2342 with companies like AutoOwners.

Clifton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$292	$49
Grange	$452	$75
Travelers	$772	$130
Farmers	$885	$149
USAA	$1052	$177
Erie	$1091	$184
Progressive	$1098	$185
Tennessee Farmers	$1290	$215
State Farm	$1304	$220
Allstate	$2003	$337
Auto-Owners	$2342	$399

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 Clifton are offered by Westfield at $179. However, it can be as expensive as $2362 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Clifton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Tennessee Farm Bureau	$186	$31
Auto-Owners Insurance Co	$260	$44
Cincinnati	$273	$46
Chubb	$299	$50
Erie	$645	$109
Travelers	$765	$129
USAA	$785	$133
State Farm	$851	$143
Auto-Owners	$984	$167
Progressive	$1231	$207
Farmers	$1677	$286
Allstate	$2362	$393

Car Insurance Price Trends in Clifton, Tennessee

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

The average cost of full coverage in the Clifton rose by $195 in January compared to $108 of December. In other words, there has been an increase by $87 when you compare January and December.

The average cost of liability insurance in the Clifton rose to $47 in January, compared to $41 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Clifton?

The car insurance in Clifton is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Clifton?

The cheapest car insurance in Clifton is $82 per month for full coverage.

How much is car insurance in Clifton for teenagers?

Car insurance for teenagers costs $179 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 Clifton?

The average cost of car insurance is $878 for a six-month policy. It will cost around $166 per month to insure your car in Clifton.

Is car insurance expensive in Clifton?

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

Cheapest Car Insurance Quotes in Clifton

Why you can trust Way?

How Much Is Car Insurance in Clifton

Avg. Car Insurance in Clifton

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Clifton

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Clifton Car Insurance Rates by Company

Cheap Car Insurance Companies in Clifton, TN

Way's key takeaways about car insurance in Clifton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clifton

Cheapest Liability Coverage in Clifton, TN

Cheapest Full Coverage Car Insurance in Clifton

Cheapest Full Coverage Car Insurance Quotes in Clifton, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clifton by Rating Factor

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

Car Insurance Premiums by Age in Clifton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clifton,TN

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

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 Clifton

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

Clifton Car Insurance Rates by Violation

Clifton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clifton after a DUI

Clifton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clifton after Speeding ticket

Car Insurance Price Trends in Clifton, Tennessee

Average Car Insurance Cost in Clifton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clifton, TN

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

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