Cheapest Car Insurance Quotes in Colonial Heights

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Colonial Heights Car Insurance

^$ 20

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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 Colonial Heights

The car insurance rate in Colonial Heights is $746 for a six-month policy, which is $132 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Colonial Heights 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 Colonial Heights

$746

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Colonial Heights

1st place: AutoOwners Insurance Co

At $364 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 $383 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 $409 for six months, making it the third cheapest auto insurance company in Colonial Heights.

Colonial Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colonial Heights, TN is AutoOwners Insurance Co, offering policies at just $364 for a six-month term. This is followed by Westfield, which has an average six-month premium of $383.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1227 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colonial Heights drivers find the best deals.

Cheap Car Insurance Companies in Colonial Heights, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$364	$62
Westfield	$383	$64
Tennessee Farm Bureau	$409	$70
Erie	$570	$96
Travelers	$596	$100
USAA	$646	$109
Grange	$702	$118
Farm Bureau of Tennessee	$727	$122
Auto-Owners	$747	$127
Farmers	$808	$136
Tennessee Farmers	$813	$139
Penn National	$879	$146
Nationwide	$974	$166
State Farm	$984	$166
Progressive	$1121	$189
Allstate	$1227	$205

Key Takeaways

Way's key takeaways about car insurance in Colonial Heights

The auto insurance costs in Colonial Heights fall around $364 for six months.
The cheapest auto insurance company in Colonial Heights is Westfield.
Teen drivers pay the highest rate in Colonial Heights at $764 per month.

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Cheapest Minimum Liability Car Insurance in Colonial Heights

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 Colonial Heights are given below.

Westfield provides the cheapest minimum car insurance coverage in Colonial Heights. Their Average 6 Month Premium is $116. Allstate is the most expensive at $409 for the same period.

Cheapest Liability Coverage in Colonial Heights, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$116	$20
Auto-Owners Insurance Co	$136	$23
Tennessee Farm Bureau	$141	$24
Farm Bureau of Tennessee	$146	$25
Tennessee Farmers	$167	$28
USAA	$167	$28
Cincinnati	$172	$29
Erie	$192	$32
Travelers	$192	$32
Penn National	$207	$35
Auto-Owners	$217	$37
Farmers	$237	$40
State Farm	$247	$42
Progressive	$278	$47
Allstate	$409	$69

Cheapest Full Coverage Car Insurance in Colonial Heights

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 Colonial Heights is AutoOwners Insurance Co at $62 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colonial Heights, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$364	$62
Westfield	$383	$64
Tennessee Farm Bureau	$409	$70
Erie	$570	$96
Travelers	$596	$100
USAA	$646	$109
Grange	$702	$118
Farm Bureau of Tennessee	$727	$122
Auto-Owners	$747	$127
Farmers	$808	$136
Tennessee Farmers	$813	$139
Penn National	$879	$146
Nationwide	$974	$166
State Farm	$984	$166
Progressive	$1121	$189
Allstate	$1227	$205

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Average Car Insurance in Colonial Heights 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 Colonial Heights, TN increasing?

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

Car Insurance Premiums by Age in Colonial Heights

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 Colonial Heights,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Colonial Heights at $23 per month. At $4494 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Tennessee Farm Bureau	$192	$32
Auto-Owners Insurance Co	$202	$34
Grange	$217	$37
Cincinnati	$222	$37
Erie	$747	$126
USAA	$747	$126
Travelers	$788	$133
State Farm	$1192	$201
Farmers	$1363	$230
Progressive	$2015	$339
Auto-Owners	$2590	$432
Allstate	$4494	$764

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 Colonial Heights, Tennessee Farm Bureau is the cheapest car insurance provider. At $162 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 Colonial Heights is State Farm, offering rates of around $4231 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$162	$27
Westfield	$212	$36
Grange	$252	$43
Cincinnati	$298	$51
Travelers	$757	$128
Farmers	$874	$147
USAA	$893	$149
Progressive	$1005	$169
Erie	$1025	$173
Auto-Owners	$1975	$336
Allstate	$2136	$356
State Farm	$4231	$719

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Car Insurance Rates with An Accident in Colonial Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Colonial Heights

The cheapest car insurance companies after an at-fault accident in Colonial Heights include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $141 and $146, respectively. Allstate is an expensive provider with an average six-month premium of $2449.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$141	$24
Farm Bureau of Tennessee	$146	$25
Westfield	$197	$33
Auto-Owners Insurance Co	$252	$43
Grange	$273	$45
Travelers	$419	$71
Erie	$460	$77
USAA	$469	$79
State Farm	$500	$84
Farmers	$570	$96
Progressive	$874	$147
Auto-Owners	$1272	$217
Allstate	$2449	$408

Colonial Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colonial Heights TN. For example, the car insurance in Colonial Heights after a DUI increases to $843 for a six month policy. While the rate increases by $162 for a six-month policy in the case of a speeding ticket.

Colonial Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$843	$140
Not-at-fault accident	$848	$145
One Med/PIP claim	$853	$142
One comp claim	$864	$147
Two comp claims	$874	$145
Two Med/PIP claims	$874	$149
Failure to wear a seat belt	$969	$162
Failure to show documents	$984	$167
Child safety restraint	$989	$165
Driving without lights	$989	$168
Cell phone violation	$1005	$167
Driving with expired registration	$1005	$171
Speeding 6 - 10 MPH over limit	$1005	$167
Driving too slowly	$1010	$172
Speeding 11 - 15 MPH over limit	$1010	$168
Speeding in school zone	$1010	$172
Failure to yield	$1015	$169
Following too closely	$1015	$173
Illegal turn	$1015	$169
Speeding 16 - 20 MPH over limit	$1015	$173
Texting while driving	$1015	$169
Improper passing	$1025	$174
Wrong way/wrong lane	$1025	$171
Failure to stop at a red light	$1030	$175
In 65 MPH zone	$1046	$174
Speeding 21 - 25 MPH over limit	$1070	$182
At-fault accident - less than $1000	$1085	$181
Passing school bus	$1085	$184
Operating a vehicle without permission	$1151	$192
Open container	$1161	$197
At-fault accident - $1000-$2000	$1252	$209
At-fault accident - greater than $2000	$1252	$213
Reckless driving	$1580	$264
Racing	$1585	$269
Driving with a suspended license	$1626	$271
Refusal to submit to a chemical test	$1656	$281
DUI	$1686	$281
Leaving scene of an accident/hit and run	$1686	$286

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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 Colonial Heights 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 Colonial Heights.

The cheapest car insurance premiums in Colonial Heights are offered by Tennessee Farm Bureau at $222 for a six-month policy. However, it can be as expensive as $1777 with companies like AutoOwners.

Colonial Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$222	$37
Grange	$343	$57
Travelers	$586	$99
Farmers	$672	$113
USAA	$798	$134
Erie	$828	$139
Progressive	$833	$140
Tennessee Farmers	$979	$163
State Farm	$989	$167
Allstate	$1520	$256
Auto-Owners	$1777	$303

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 Colonial Heights are offered by Westfield at $136. However, it can be as expensive as $1793 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Colonial Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Tennessee Farm Bureau	$141	$24
Auto-Owners Insurance Co	$197	$33
Cincinnati	$207	$35
Chubb	$227	$38
Erie	$490	$82
Travelers	$581	$98
USAA	$596	$101
State Farm	$646	$109
Auto-Owners	$747	$127
Progressive	$934	$157
Farmers	$1272	$217
Allstate	$1793	$298

Car Insurance Price Trends in Colonial Heights, Tennessee

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

The average cost of full coverage in the Colonial Heights rose by $148 in January compared to $82 of December. In other words, there has been an increase by $66 when you compare January and December.

The average cost of liability insurance in the Colonial Heights rose to $36 in January, compared to $31 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Colonial Heights?

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

What is the cheapest car insurance in Colonial Heights?

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

How much is car insurance in Colonial Heights for teenagers?

Car insurance for teenagers costs $136 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 Colonial Heights?

The average cost of car insurance is $878 for a six-month policy. It will cost around $126 per month to insure your car in Colonial Heights.

Is car insurance expensive in Colonial Heights?

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

Cheapest Car Insurance Quotes in Colonial Heights

Why you can trust Way?

How Much Is Car Insurance in Colonial Heights

Avg. Car Insurance in Colonial Heights

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Colonial Heights

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Colonial Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Colonial Heights, TN

Way's key takeaways about car insurance in Colonial Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Colonial Heights

Cheapest Liability Coverage in Colonial Heights, TN

Cheapest Full Coverage Car Insurance in Colonial Heights

Cheapest Full Coverage Car Insurance Quotes in Colonial Heights, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Colonial Heights by Rating Factor

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

Car Insurance Premiums by Age in Colonial Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Colonial Heights,TN

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

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 Colonial Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Colonial Heights

Colonial Heights Car Insurance Rates by Violation

Colonial Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Colonial Heights after a DUI

Colonial Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Colonial Heights after Speeding ticket

Car Insurance Price Trends in Colonial Heights, Tennessee

Average Car Insurance Cost in Colonial Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Colonial Heights, TN

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

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