Cheapest Car Insurance Quotes in Fall Branch

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Fall Branch Car Insurance

^$ 20

/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 Fall Branch

The car insurance rate in Fall Branch is $710 for a six-month policy, which is $106 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Fall Branch 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 Fall Branch

$710

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Fall Branch

1st place: AutoOwners Insurance Co

At $372 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $392 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $392 for six months, making it the third cheapest auto insurance company in Fall Branch.

Fall Branch Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fall Branch, TN is AutoOwners Insurance Co, offering policies at just $372 for a six-month term. This is followed by Erie, which has an average six-month premium of $392.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1188 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fall Branch drivers find the best deals.

Cheap Car Insurance Companies in Fall Branch, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
Erie	$392	$67
Westfield	$392	$65
Tennessee Farm Bureau	$418	$71
Travelers	$584	$98
Farmers	$708	$119
USAA	$713	$120
Grange	$719	$121
Farm Bureau of Tennessee	$744	$124
Tennessee Farmers	$832	$142
Penn National	$900	$150
State Farm	$982	$167
Nationwide	$997	$166
Progressive	$1188	$202

Key Takeaways

Way's key takeaways about car insurance in Fall Branch

The auto insurance costs in Fall Branch fall around $372 for six months.
The cheapest auto insurance company in Fall Branch is Westfield.
Teen drivers pay the highest rate in Fall Branch at $42 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fall Branch

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 Fall Branch are given below.

Westfield provides the cheapest minimum car insurance coverage in Fall Branch. Their Average 6 Month Premium is $119. AutoOwners is the most expensive at $171 for the same period.

Cheapest Liability Coverage in Fall Branch, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
Auto-Owners Insurance Co	$139	$23
Tennessee Farm Bureau	$144	$24
Farm Bureau of Tennessee	$150	$25
Tennessee Farmers	$171	$29
USAA	$171	$29
Cincinnati	$176	$30
Erie	$186	$31
Travelers	$186	$31
Farmers	$197	$33
Penn National	$212	$36
Progressive	$232	$39
State Farm	$232	$39
Allstate	$378	$64
Auto-Owners	$171	$29

Cheapest Full Coverage Car Insurance in Fall Branch

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 Fall Branch is AutoOwners Insurance Co at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fall Branch, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
Erie	$392	$67
Westfield	$392	$65
Tennessee Farm Bureau	$418	$71
Travelers	$584	$98
Farmers	$708	$119
USAA	$713	$120
Grange	$719	$121
Farm Bureau of Tennessee	$744	$124
Tennessee Farmers	$832	$142
Penn National	$900	$150
State Farm	$982	$167
Nationwide	$997	$166
Progressive	$1188	$202

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Average Car Insurance in Fall Branch 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 Fall Branch, TN increasing?

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

Car Insurance Premiums by Age in Fall Branch

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Penn National	$527
30s	Penn National	$363
40s	Penn National	$329
50s	Penn National	$305
60s	Penn National	$319
70s	Penn National	$367

Cheapest Car Insurance Rates for Teen Drivers in Fall Branch,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fall Branch at $23 per month. At $248 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
USAA	$165	$28
Tennessee Farm Bureau	$197	$33
Travelers	$197	$33
Auto-Owners Insurance Co	$207	$35
Farmers	$222	$37
Grange	$222	$37
Progressive	$222	$37
Cincinnati	$227	$38
Erie	$227	$38
State Farm	$248	$42

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Fall Branch.

As young drivers face the highest rates in Fall Branch, Penn National offers the cheapest auto insurance rates at $527 for six months.

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 Fall Branch, Tennessee Farm Bureau is the cheapest car insurance provider. At $165 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 Fall Branch is Erie, offering rates of around $325 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$165	$28
Westfield	$217	$37
Grange	$258	$44
Farmers	$279	$46
Progressive	$279	$48
Travelers	$279	$46
Cincinnati	$305	$52
Erie	$325	$54

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Car Insurance Rates with An Accident in Fall Branch

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fall Branch

The cheapest car insurance companies after an at-fault accident in Fall Branch include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $144 and $150, respectively. Grange is an expensive provider with an average six-month premium of $279.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$144	$24
Farm Bureau of Tennessee	$150	$25
Westfield	$202	$34
USAA	$217	$37
Farmers	$222	$37
Travelers	$227	$38
Progressive	$238	$40
Erie	$253	$43
State Farm	$253	$43
Auto-Owners Insurance Co	$258	$44
Grange	$279	$46

Fall Branch Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fall Branch TN. For example, the car insurance in Fall Branch after a DUI increases to $863 for a six month policy. While the rate increases by $165 for a six-month policy in the case of a speeding ticket.

Fall Branch auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$863	$144
Not-at-fault accident	$868	$148
One Med/PIP claim	$873	$145
One comp claim	$884	$151
Two comp claims	$894	$149
Two Med/PIP claims	$894	$152
Failure to wear a seat belt	$992	$165
Failure to show documents	$1007	$171
Child safety restraint	$1013	$169
Driving without lights	$1013	$172
Cell phone violation	$1028	$171
Driving with expired registration	$1028	$175
Speeding 6 - 10 MPH over limit	$1028	$171
Driving too slowly	$1034	$176
Speeding 11 - 15 MPH over limit	$1034	$172
Speeding in school zone	$1034	$176
Failure to yield	$1039	$173
Following too closely	$1039	$177
Illegal turn	$1039	$173
Speeding 16 - 20 MPH over limit	$1039	$177
Texting while driving	$1039	$173
Improper passing	$1049	$178
Wrong way/wrong lane	$1049	$175
Failure to stop at a red light	$1054	$179
In 65 MPH zone	$1070	$178
Speeding 21 - 25 MPH over limit	$1095	$186
At-fault accident - less than $1000	$1111	$185
Passing school bus	$1111	$189
Operating a vehicle without permission	$1178	$197
Open container	$1188	$202
At-fault accident - $1000-$2000	$1282	$214
At-fault accident - greater than $2000	$1282	$218
Reckless driving	$1617	$270
Racing	$1623	$276
Driving with a suspended license	$1664	$278
Refusal to submit to a chemical test	$1695	$288
DUI	$1726	$288
Leaving scene of an accident/hit and run	$1726	$293

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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 Fall Branch 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 Fall Branch.

The cheapest car insurance premiums in Fall Branch are offered by Tennessee Farm Bureau at $227 for a six-month policy. However, it can be as expensive as $1426 with companies like Allstate.

Fall Branch car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$227	$38
Farmers	$264	$44
Erie	$269	$46
Grange	$351	$58
Travelers	$434	$73
State Farm	$626	$105
Progressive	$651	$110
USAA	$739	$124
Tennessee Farmers	$1002	$171
Allstate	$1426	$238

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 Fall Branch are offered by Westfield at $139. However, it can be as expensive as $238 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Fall Branch after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
Tennessee Farm Bureau	$144	$24
Erie	$165	$28
Auto-Owners Insurance Co	$202	$34
State Farm	$202	$34
Cincinnati	$212	$36
Travelers	$227	$38
Chubb	$232	$39
Progressive	$238	$40

Car Insurance Price Trends in Fall Branch, Tennessee

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

The average cost of full coverage in the Fall Branch remained steady at $84 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fall Branch remained steady at $32 in both December and November, indicating no change over the two month period.

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Principal

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Anthony Luu

Senior Director of Insurance Operations

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Head of Commercial Insurance

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Frequently Asked Questions

How much is car insurance in Fall Branch?

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

What is the cheapest car insurance in Fall Branch?

The cheapest car insurance in Fall Branch is $62 per month for full coverage.

How much is car insurance in Fall Branch for teenagers?

Car insurance for teenagers costs $139 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 Fall Branch?

The average cost of car insurance is $816 for a six-month policy. It will cost around $119 per month to insure your car in Fall Branch.

Is car insurance expensive in Fall Branch?

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

Cheapest Car Insurance Quotes in Fall Branch

Why you can trust Way?

How Much Is Car Insurance in Fall Branch

Avg. Car Insurance in Fall Branch

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Fall Branch

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Fall Branch Car Insurance Rates by Company

Cheap Car Insurance Companies in Fall Branch, TN

Way's key takeaways about car insurance in Fall Branch

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fall Branch

Cheapest Liability Coverage in Fall Branch, TN

Cheapest Full Coverage Car Insurance in Fall Branch

Cheapest Full Coverage Car Insurance Quotes in Fall Branch, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fall Branch by Rating Factor

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

Car Insurance Premiums by Age in Fall Branch

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fall Branch,TN

If you are in your twenties Penn National is the best choice for car insurance in Fall Branch.

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 Fall Branch

Cheapest Car Insurance Companies after an At-Fault Accident in Fall Branch

Fall Branch Car Insurance Rates by Violation

Fall Branch auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fall Branch after a DUI

Fall Branch car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fall Branch after Speeding ticket

Car Insurance Price Trends in Fall Branch, Tennessee

Average Car Insurance Cost in Fall Branch by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fall Branch, TN

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

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