Cheapest Car Insurance Quotes in Cumberland City

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Cumberland City Car Insurance

^$ 28

/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 Cumberland City

The car insurance rate in Cumberland City is $1062 for a six-month policy, which is $184 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $518, making it a popular choice for budget-conscious drivers. Rates in Cumberland City 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 Cumberland City

$1062

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Cumberland City

1st place: AutoOwners Insurance Co

At $518 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 $546 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 $582 for six months, making it the third cheapest auto insurance company in Cumberland City.

Cumberland City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cumberland City, TN is AutoOwners Insurance Co, offering policies at just $518 for a six-month term. This is followed by Westfield, which has an average six-month premium of $546.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1746 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cumberland City drivers find the best deals.

Cheap Car Insurance Companies in Cumberland City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$518	$88
Westfield	$546	$91
Tennessee Farm Bureau	$582	$99
Erie	$812	$137
Travelers	$848	$143
USAA	$920	$155
Grange	$999	$168
Farm Bureau of Tennessee	$1035	$173
Auto-Owners	$1064	$180
Farmers	$1150	$194
Tennessee Farmers	$1157	$197
Penn National	$1251	$208
Nationwide	$1387	$236
State Farm	$1401	$236
Progressive	$1596	$269
Allstate	$1746	$292

Key Takeaways

Way's key takeaways about car insurance in Cumberland City

The auto insurance costs in Cumberland City fall around $518 for six months.
The cheapest auto insurance company in Cumberland City is Westfield.
Teen drivers pay the highest rate in Cumberland City at $1088 per month.

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Cheapest Minimum Liability Car Insurance in Cumberland City

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 Cumberland City are given below.

Westfield provides the cheapest minimum car insurance coverage in Cumberland City. Their Average 6 Month Premium is $166. Allstate is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Cumberland City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
Auto-Owners Insurance Co	$194	$33
Tennessee Farm Bureau	$201	$34
Farm Bureau of Tennessee	$208	$35
Tennessee Farmers	$237	$40
USAA	$237	$40
Cincinnati	$244	$41
Erie	$273	$46
Travelers	$273	$46
Penn National	$295	$50
Auto-Owners	$309	$52
Farmers	$338	$57
State Farm	$352	$59
Progressive	$396	$67
Allstate	$582	$98

Cheapest Full Coverage Car Insurance in Cumberland City

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 Cumberland City is AutoOwners Insurance Co at $88 per month and $518 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cumberland City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$518	$88
Westfield	$546	$91
Tennessee Farm Bureau	$582	$99
Erie	$812	$137
Travelers	$848	$143
USAA	$920	$155
Grange	$999	$168
Farm Bureau of Tennessee	$1035	$173
Auto-Owners	$1064	$180
Farmers	$1150	$194
Tennessee Farmers	$1157	$197
Penn National	$1251	$208
Nationwide	$1387	$236
State Farm	$1401	$236
Progressive	$1596	$269
Allstate	$1746	$292

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Average Car Insurance in Cumberland City 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 Cumberland City, TN increasing?

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

Car Insurance Premiums by Age in Cumberland City

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 Cumberland City,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cumberland City at $33 per month. At $6397 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$194	$33
Tennessee Farm Bureau	$273	$46
Auto-Owners Insurance Co	$288	$48
Grange	$309	$52
Cincinnati	$316	$53
Erie	$1064	$179
USAA	$1064	$179
Travelers	$1122	$189
State Farm	$1696	$286
Farmers	$1941	$327
Progressive	$2868	$483
Auto-Owners	$3687	$615
Allstate	$6397	$1088

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 Cumberland City, Tennessee Farm Bureau is the cheapest car insurance provider. At $230 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 Cumberland City is State Farm, offering rates of around $6023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$230	$39
Westfield	$301	$51
Grange	$359	$61
Cincinnati	$424	$73
Travelers	$1078	$182
Farmers	$1244	$209
USAA	$1272	$212
Progressive	$1430	$241
Erie	$1459	$246
Auto-Owners	$2811	$478
Allstate	$3041	$507
State Farm	$6023	$1024

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Save up to $971/yr on car insurance rates in Cumberland City.

Car Insurance Rates with An Accident in Cumberland City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cumberland City

The cheapest car insurance companies after an at-fault accident in Cumberland City include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $201 and $208, respectively. Allstate is an expensive provider with an average six-month premium of $3486.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$201	$34
Farm Bureau of Tennessee	$208	$35
Westfield	$281	$47
Auto-Owners Insurance Co	$359	$62
Grange	$388	$64
Travelers	$597	$100
Erie	$655	$110
USAA	$668	$113
State Farm	$711	$120
Farmers	$812	$137
Progressive	$1244	$209
Auto-Owners	$1811	$309
Allstate	$3486	$581

Cumberland City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cumberland City TN. For example, the car insurance in Cumberland City after a DUI increases to $1201 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Cumberland City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
Not-at-fault accident	$1208	$206
One Med/PIP claim	$1215	$202
One comp claim	$1229	$209
Two comp claims	$1244	$207
Two Med/PIP claims	$1244	$212
Failure to wear a seat belt	$1379	$230
Failure to show documents	$1401	$238
Child safety restraint	$1408	$235
Driving without lights	$1408	$240
Cell phone violation	$1430	$238
Driving with expired registration	$1430	$243
Speeding 6 - 10 MPH over limit	$1430	$238
Driving too slowly	$1437	$244
Speeding 11 - 15 MPH over limit	$1437	$240
Speeding in school zone	$1437	$244
Failure to yield	$1445	$241
Following too closely	$1445	$246
Illegal turn	$1445	$241
Speeding 16 - 20 MPH over limit	$1445	$246
Texting while driving	$1445	$241
Improper passing	$1459	$248
Wrong way/wrong lane	$1459	$243
Failure to stop at a red light	$1467	$249
In 65 MPH zone	$1488	$248
Speeding 21 - 25 MPH over limit	$1523	$259
At-fault accident - less than $1000	$1545	$258
Passing school bus	$1545	$263
Operating a vehicle without permission	$1638	$273
Open container	$1653	$281
At-fault accident - $1000-$2000	$1782	$298
At-fault accident - greater than $2000	$1782	$303
Reckless driving	$2249	$375
Racing	$2257	$384
Driving with a suspended license	$2315	$386
Refusal to submit to a chemical test	$2357	$401
DUI	$2401	$401
Leaving scene of an accident/hit and run	$2401	$408

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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 Cumberland City 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 Cumberland City.

The cheapest car insurance premiums in Cumberland City are offered by Tennessee Farm Bureau at $316 for a six-month policy. However, it can be as expensive as $2530 with companies like AutoOwners.

Cumberland City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$316	$53
Grange	$489	$81
Travelers	$834	$140
Farmers	$956	$161
USAA	$1136	$191
Erie	$1179	$198
Progressive	$1186	$200
Tennessee Farmers	$1394	$232
State Farm	$1408	$237
Allstate	$2163	$364
Auto-Owners	$2530	$431

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 Cumberland City are offered by Westfield at $194. However, it can be as expensive as $2552 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cumberland City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$194	$33
Tennessee Farm Bureau	$201	$34
Auto-Owners Insurance Co	$281	$47
Cincinnati	$295	$50
Chubb	$323	$54
Erie	$697	$117
Travelers	$826	$139
USAA	$848	$144
State Farm	$920	$155
Auto-Owners	$1064	$180
Progressive	$1330	$224
Farmers	$1811	$309
Allstate	$2552	$425

Car Insurance Price Trends in Cumberland City, Tennessee

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

The average cost of full coverage in the Cumberland City rose by $211 in January compared to $116 of December. In other words, there has been an increase by $95 when you compare January and December.

The average cost of liability insurance in the Cumberland City rose to $51 in January, compared to $45 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 Cumberland City?

The car insurance in Cumberland City is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Cumberland City?

The cheapest car insurance in Cumberland City is $88 per month for full coverage.

How much is car insurance in Cumberland City for teenagers?

Car insurance for teenagers costs $194 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 Cumberland City?

The average cost of car insurance is $878 for a six-month policy. It will cost around $179 per month to insure your car in Cumberland City.

Is car insurance expensive in Cumberland City?

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

Cheapest Car Insurance Quotes in Cumberland City

Why you can trust Way?

How Much Is Car Insurance in Cumberland City

Avg. Car Insurance in Cumberland City

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Cumberland City

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Cumberland City Car Insurance Rates by Company

Cheap Car Insurance Companies in Cumberland City, TN

Way's key takeaways about car insurance in Cumberland City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cumberland City

Cheapest Liability Coverage in Cumberland City, TN

Cheapest Full Coverage Car Insurance in Cumberland City

Cheapest Full Coverage Car Insurance Quotes in Cumberland City, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cumberland City by Rating Factor

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

Car Insurance Premiums by Age in Cumberland City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cumberland City,TN

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

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 Cumberland City

Cheapest Car Insurance Companies after an At-Fault Accident in Cumberland City

Cumberland City Car Insurance Rates by Violation

Cumberland City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cumberland City after a DUI

Cumberland City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cumberland City after Speeding ticket

Car Insurance Price Trends in Cumberland City, Tennessee

Average Car Insurance Cost in Cumberland City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cumberland City, TN

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

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