Cheapest Car Insurance Quotes in Dandridge

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Dandridge Car Insurance

^$ 23

/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 Dandridge

The car insurance rate in Dandridge is $878 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Dandridge 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 Dandridge

$878

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Dandridge

1st place: AutoOwners Insurance Co

At $428 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 $451 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 $481 for six months, making it the third cheapest auto insurance company in Dandridge.

Dandridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dandridge, TN is AutoOwners Insurance Co, offering policies at just $428 for a six-month term. This is followed by Westfield, which has an average six-month premium of $451.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1443 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dandridge drivers find the best deals.

Cheap Car Insurance Companies in Dandridge, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$73
Westfield	$451	$75
Tennessee Farm Bureau	$481	$82
Erie	$671	$113
Travelers	$701	$118
USAA	$760	$128
Grange	$826	$139
Farm Bureau of Tennessee	$855	$143
Auto-Owners	$879	$149
Farmers	$950	$160
Tennessee Farmers	$956	$163
Penn National	$1034	$172
Nationwide	$1146	$195
State Farm	$1158	$195
Progressive	$1319	$222
Allstate	$1443	$241

Key Takeaways

Way's key takeaways about car insurance in Dandridge

The auto insurance costs in Dandridge fall around $428 for six months.
The cheapest auto insurance company in Dandridge is Westfield.
Teen drivers pay the highest rate in Dandridge at $899 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Dandridge

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 Dandridge are given below.

Westfield provides the cheapest minimum car insurance coverage in Dandridge. Their Average 6 Month Premium is $137. Allstate is the most expensive at $481 for the same period.

Cheapest Liability Coverage in Dandridge, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
Auto-Owners Insurance Co	$160	$27
Tennessee Farm Bureau	$166	$28
Farm Bureau of Tennessee	$172	$29
Tennessee Farmers	$196	$33
USAA	$196	$33
Cincinnati	$202	$34
Erie	$226	$38
Travelers	$226	$38
Penn National	$244	$41
Auto-Owners	$255	$43
Farmers	$279	$47
State Farm	$291	$49
Progressive	$327	$55
Allstate	$481	$81

Cheapest Full Coverage Car Insurance in Dandridge

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 Dandridge is AutoOwners Insurance Co at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dandridge, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$73
Westfield	$451	$75
Tennessee Farm Bureau	$481	$82
Erie	$671	$113
Travelers	$701	$118
USAA	$760	$128
Grange	$826	$139
Farm Bureau of Tennessee	$855	$143
Auto-Owners	$879	$149
Farmers	$950	$160
Tennessee Farmers	$956	$163
Penn National	$1034	$172
Nationwide	$1146	$195
State Farm	$1158	$195
Progressive	$1319	$222
Allstate	$1443	$241

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Average Car Insurance in Dandridge 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 Dandridge, TN increasing?

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

Car Insurance Premiums by Age in Dandridge

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 Dandridge,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Dandridge at $27 per month. At $5287 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Tennessee Farm Bureau	$226	$38
Auto-Owners Insurance Co	$238	$40
Grange	$255	$43
Cincinnati	$261	$44
Erie	$879	$148
USAA	$879	$148
Travelers	$927	$156
State Farm	$1402	$236
Farmers	$1604	$270
Progressive	$2370	$399
Auto-Owners	$3047	$508
Allstate	$5287	$899

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 Dandridge, Tennessee Farm Bureau is the cheapest car insurance provider. At $190 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 Dandridge is State Farm, offering rates of around $4978 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$190	$32
Westfield	$249	$42
Grange	$297	$50
Cincinnati	$350	$60
Travelers	$891	$150
Farmers	$1028	$173
USAA	$1051	$175
Progressive	$1182	$199
Erie	$1206	$203
Auto-Owners	$2323	$395
Allstate	$2513	$419
State Farm	$4978	$846

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

Car Insurance Rates with An Accident in Dandridge

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

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

The cheapest car insurance companies after an at-fault accident in Dandridge include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $166 and $172, respectively. Allstate is an expensive provider with an average six-month premium of $2881.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$166	$28
Farm Bureau of Tennessee	$172	$29
Westfield	$232	$39
Auto-Owners Insurance Co	$297	$51
Grange	$321	$53
Travelers	$493	$83
Erie	$541	$91
USAA	$552	$93
State Farm	$588	$99
Farmers	$671	$113
Progressive	$1028	$173
Auto-Owners	$1497	$255
Allstate	$2881	$480

Dandridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dandridge TN. For example, the car insurance in Dandridge after a DUI increases to $992 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Dandridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$992	$165
Not-at-fault accident	$998	$170
One Med/PIP claim	$1004	$167
One comp claim	$1016	$173
Two comp claims	$1028	$171
Two Med/PIP claims	$1028	$175
Failure to wear a seat belt	$1140	$190
Failure to show documents	$1158	$197
Child safety restraint	$1164	$194
Driving without lights	$1164	$198
Cell phone violation	$1182	$197
Driving with expired registration	$1182	$201
Speeding 6 - 10 MPH over limit	$1182	$197
Driving too slowly	$1188	$202
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding in school zone	$1188	$202
Failure to yield	$1194	$199
Following too closely	$1194	$203
Illegal turn	$1194	$199
Speeding 16 - 20 MPH over limit	$1194	$203
Texting while driving	$1194	$199
Improper passing	$1206	$205
Wrong way/wrong lane	$1206	$201
Failure to stop at a red light	$1212	$206
In 65 MPH zone	$1230	$205
Speeding 21 - 25 MPH over limit	$1259	$214
At-fault accident - less than $1000	$1277	$213
Passing school bus	$1277	$217
Operating a vehicle without permission	$1354	$226
Open container	$1366	$232
At-fault accident - $1000-$2000	$1473	$246
At-fault accident - greater than $2000	$1473	$250
Reckless driving	$1859	$310
Racing	$1865	$317
Driving with a suspended license	$1913	$319
Refusal to submit to a chemical test	$1948	$331
DUI	$1984	$331
Leaving scene of an accident/hit and run	$1984	$337

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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 Dandridge 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 Dandridge.

The cheapest car insurance premiums in Dandridge are offered by Tennessee Farm Bureau at $261 for a six-month policy. However, it can be as expensive as $2091 with companies like AutoOwners.

Dandridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$261	$44
Grange	$404	$67
Travelers	$689	$116
Farmers	$790	$133
USAA	$939	$158
Erie	$974	$164
Progressive	$980	$165
Tennessee Farmers	$1152	$192
State Farm	$1164	$196
Allstate	$1788	$301
Auto-Owners	$2091	$356

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 Dandridge are offered by Westfield at $160. However, it can be as expensive as $2109 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dandridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Tennessee Farm Bureau	$166	$28
Auto-Owners Insurance Co	$232	$39
Cincinnati	$244	$41
Chubb	$267	$45
Erie	$576	$97
Travelers	$683	$115
USAA	$701	$119
State Farm	$760	$128
Auto-Owners	$879	$149
Progressive	$1099	$185
Farmers	$1497	$255
Allstate	$2109	$351

Car Insurance Price Trends in Dandridge, Tennessee

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

The average cost of full coverage in the Dandridge rose by $174 in January compared to $96 of December. In other words, there has been an increase by $78 when you compare January and December.

The average cost of liability insurance in the Dandridge rose to $42 in January, compared to $37 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 Dandridge?

The car insurance in Dandridge is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Dandridge?

The cheapest car insurance in Dandridge is $73 per month for full coverage.

How much is car insurance in Dandridge for teenagers?

Car insurance for teenagers costs $160 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 Dandridge?

The average cost of car insurance is $878 for a six-month policy. It will cost around $148 per month to insure your car in Dandridge.

Is car insurance expensive in Dandridge?

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

Cheapest Car Insurance Quotes in Dandridge

Why you can trust Way?

How Much Is Car Insurance in Dandridge

Avg. Car Insurance in Dandridge

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Dandridge

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Dandridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Dandridge, TN

Way's key takeaways about car insurance in Dandridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dandridge

Cheapest Liability Coverage in Dandridge, TN

Cheapest Full Coverage Car Insurance in Dandridge

Cheapest Full Coverage Car Insurance Quotes in Dandridge, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dandridge by Rating Factor

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

Car Insurance Premiums by Age in Dandridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dandridge,TN

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

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 Dandridge

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

Dandridge Car Insurance Rates by Violation

Dandridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dandridge after a DUI

Dandridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dandridge after Speeding ticket

Car Insurance Price Trends in Dandridge, Tennessee

Average Car Insurance Cost in Dandridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dandridge, TN

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

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