Cheapest Car Insurance Quotes in Dowelltown

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Dowelltown Car Insurance

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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 Dowelltown

The car insurance rate in Dowelltown is $913 for a six-month policy, which is $35 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Dowelltown 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 Dowelltown

$913

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Dowelltown

1st place: AutoOwners Insurance Co

At $445 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 $469 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 $500 for six months, making it the third cheapest auto insurance company in Dowelltown.

Dowelltown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dowelltown, TN is AutoOwners Insurance Co, offering policies at just $445 for a six-month term. This is followed by Westfield, which has an average six-month premium of $469.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1501 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dowelltown drivers find the best deals.

Cheap Car Insurance Companies in Dowelltown, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$76
Westfield	$469	$78
Tennessee Farm Bureau	$500	$85
Erie	$698	$118
Travelers	$729	$123
USAA	$790	$133
Grange	$859	$145
Farm Bureau of Tennessee	$889	$149
Auto-Owners	$914	$155
Farmers	$988	$166
Tennessee Farmers	$994	$170
Penn National	$1075	$179
Nationwide	$1192	$203
State Farm	$1204	$203
Progressive	$1372	$231
Allstate	$1501	$251

Key Takeaways

Way's key takeaways about car insurance in Dowelltown

The auto insurance costs in Dowelltown fall around $445 for six months.
The cheapest auto insurance company in Dowelltown is Westfield.
Teen drivers pay the highest rate in Dowelltown at $935 per month.

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Cheapest Minimum Liability Car Insurance in Dowelltown

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 Dowelltown are given below.

Westfield provides the cheapest minimum car insurance coverage in Dowelltown. Their Average 6 Month Premium is $142. Allstate is the most expensive at $500 for the same period.

Cheapest Liability Coverage in Dowelltown, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
Auto-Owners Insurance Co	$166	$28
Tennessee Farm Bureau	$173	$29
Farm Bureau of Tennessee	$179	$30
Tennessee Farmers	$204	$34
USAA	$204	$34
Cincinnati	$210	$35
Erie	$235	$40
Travelers	$235	$40
Penn National	$254	$43
Auto-Owners	$265	$45
Farmers	$290	$49
State Farm	$303	$51
Progressive	$340	$57
Allstate	$500	$84

Cheapest Full Coverage Car Insurance in Dowelltown

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 Dowelltown is AutoOwners Insurance Co at $76 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dowelltown, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$76
Westfield	$469	$78
Tennessee Farm Bureau	$500	$85
Erie	$698	$118
Travelers	$729	$123
USAA	$790	$133
Grange	$859	$145
Farm Bureau of Tennessee	$889	$149
Auto-Owners	$914	$155
Farmers	$988	$166
Tennessee Farmers	$994	$170
Penn National	$1075	$179
Nationwide	$1192	$203
State Farm	$1204	$203
Progressive	$1372	$231
Allstate	$1501	$251

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Average Car Insurance in Dowelltown 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 Dowelltown, TN increasing?

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

Car Insurance Premiums by Age in Dowelltown

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 Dowelltown,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Dowelltown at $28 per month. At $5498 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
Tennessee Farm Bureau	$235	$40
Auto-Owners Insurance Co	$248	$42
Grange	$265	$45
Cincinnati	$271	$46
Erie	$914	$154
USAA	$914	$154
Travelers	$964	$162
State Farm	$1458	$245
Farmers	$1668	$281
Progressive	$2465	$415
Auto-Owners	$3169	$528
Allstate	$5498	$935

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 Dowelltown, Tennessee Farm Bureau is the cheapest car insurance provider. At $198 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 Dowelltown is State Farm, offering rates of around $5177 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$198	$33
Westfield	$259	$44
Grange	$309	$52
Cincinnati	$364	$62
Travelers	$927	$156
Farmers	$1069	$180
USAA	$1093	$182
Progressive	$1229	$207
Erie	$1254	$211
Auto-Owners	$2416	$411
Allstate	$2614	$436
State Farm	$5177	$880

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

Car Insurance Rates with An Accident in Dowelltown

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

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

The cheapest car insurance companies after an at-fault accident in Dowelltown include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $173 and $179, respectively. Allstate is an expensive provider with an average six-month premium of $2996.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$173	$29
Farm Bureau of Tennessee	$179	$30
Westfield	$241	$41
Auto-Owners Insurance Co	$309	$53
Grange	$334	$55
Travelers	$513	$86
Erie	$563	$95
USAA	$574	$97
State Farm	$612	$103
Farmers	$698	$118
Progressive	$1069	$180
Auto-Owners	$1557	$265
Allstate	$2996	$499

Dowelltown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dowelltown TN. For example, the car insurance in Dowelltown after a DUI increases to $1031 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Dowelltown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
Not-at-fault accident	$1038	$177
One Med/PIP claim	$1044	$174
One comp claim	$1057	$180
Two comp claims	$1069	$178
Two Med/PIP claims	$1069	$182
Failure to wear a seat belt	$1186	$198
Failure to show documents	$1204	$205
Child safety restraint	$1211	$202
Driving without lights	$1211	$206
Cell phone violation	$1229	$205
Driving with expired registration	$1229	$209
Speeding 6 - 10 MPH over limit	$1229	$205
Driving too slowly	$1236	$210
Speeding 11 - 15 MPH over limit	$1236	$206
Speeding in school zone	$1236	$210
Failure to yield	$1242	$207
Following too closely	$1242	$211
Illegal turn	$1242	$207
Speeding 16 - 20 MPH over limit	$1242	$211
Texting while driving	$1242	$207
Improper passing	$1254	$213
Wrong way/wrong lane	$1254	$209
Failure to stop at a red light	$1260	$214
In 65 MPH zone	$1279	$213
Speeding 21 - 25 MPH over limit	$1309	$223
At-fault accident - less than $1000	$1328	$222
Passing school bus	$1328	$226
Operating a vehicle without permission	$1408	$235
Open container	$1421	$241
At-fault accident - $1000-$2000	$1532	$256
At-fault accident - greater than $2000	$1532	$260
Reckless driving	$1933	$322
Racing	$1940	$330
Driving with a suspended license	$1990	$332
Refusal to submit to a chemical test	$2026	$344
DUI	$2063	$344
Leaving scene of an accident/hit and run	$2063	$350

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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 Dowelltown 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 Dowelltown.

The cheapest car insurance premiums in Dowelltown are offered by Tennessee Farm Bureau at $271 for a six-month policy. However, it can be as expensive as $2175 with companies like AutoOwners.

Dowelltown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$271	$46
Grange	$420	$70
Travelers	$717	$121
Farmers	$822	$138
USAA	$977	$164
Erie	$1013	$171
Progressive	$1019	$172
Tennessee Farmers	$1198	$200
State Farm	$1211	$204
Allstate	$1860	$313
Auto-Owners	$2175	$370

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 Dowelltown are offered by Westfield at $166. However, it can be as expensive as $2193 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dowelltown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
Tennessee Farm Bureau	$173	$29
Auto-Owners Insurance Co	$241	$41
Cincinnati	$254	$43
Chubb	$278	$47
Erie	$599	$101
Travelers	$710	$120
USAA	$729	$124
State Farm	$790	$133
Auto-Owners	$914	$155
Progressive	$1143	$192
Farmers	$1557	$265
Allstate	$2193	$365

Car Insurance Price Trends in Dowelltown, Tennessee

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

The average cost of full coverage in the Dowelltown rose by $181 in January compared to $100 of December. In other words, there has been an increase by $81 when you compare January and December.

The average cost of liability insurance in the Dowelltown rose to $44 in January, compared to $38 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 Dowelltown?

The car insurance in Dowelltown is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Dowelltown?

The cheapest car insurance in Dowelltown is $76 per month for full coverage.

How much is car insurance in Dowelltown for teenagers?

Car insurance for teenagers costs $166 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 Dowelltown?

The average cost of car insurance is $878 for a six-month policy. It will cost around $154 per month to insure your car in Dowelltown.

Is car insurance expensive in Dowelltown?

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

Cheapest Car Insurance Quotes in Dowelltown

Why you can trust Way?

How Much Is Car Insurance in Dowelltown

Avg. Car Insurance in Dowelltown

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Dowelltown

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Dowelltown Car Insurance Rates by Company

Cheap Car Insurance Companies in Dowelltown, TN

Way's key takeaways about car insurance in Dowelltown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dowelltown

Cheapest Liability Coverage in Dowelltown, TN

Cheapest Full Coverage Car Insurance in Dowelltown

Cheapest Full Coverage Car Insurance Quotes in Dowelltown, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dowelltown by Rating Factor

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

Car Insurance Premiums by Age in Dowelltown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dowelltown,TN

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

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 Dowelltown

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

Dowelltown Car Insurance Rates by Violation

Dowelltown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dowelltown after a DUI

Dowelltown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dowelltown after Speeding ticket

Car Insurance Price Trends in Dowelltown, Tennessee

Average Car Insurance Cost in Dowelltown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dowelltown, TN

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

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