Cheapest Car Insurance Quotes in Falling Water

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Falling Water Car Insurance

^$ 22

/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 Falling Water

The car insurance rate in Falling Water is $792 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $415, making it a popular choice for budget-conscious drivers. Rates in Falling Water 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 Falling Water

$792

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Falling Water

1st place: AutoOwners Insurance Co

At $415 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 $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $437 for six months, making it the third cheapest auto insurance company in Falling Water.

Falling Water Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Falling Water, TN is AutoOwners Insurance Co, offering policies at just $415 for a six-month term. This is followed by Erie, which has an average six-month premium of $437.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1325 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Falling Water drivers find the best deals.

Cheap Car Insurance Companies in Falling Water, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$415	$69
Erie	$437	$75
Westfield	$437	$73
Tennessee Farm Bureau	$467	$80
Travelers	$651	$110
Farmers	$790	$133
USAA	$795	$134
Grange	$801	$135
Farm Bureau of Tennessee	$829	$139
Tennessee Farmers	$927	$158
Penn National	$1003	$167
State Farm	$1095	$186
Nationwide	$1112	$185
Progressive	$1325	$225

Key Takeaways

Way's key takeaways about car insurance in Falling Water

The auto insurance costs in Falling Water fall around $415 for six months.
The cheapest auto insurance company in Falling Water is Westfield.
Teen drivers pay the highest rate in Falling Water at $47 per month.

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

Cheapest Minimum Liability Car Insurance in Falling Water

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 Falling Water are given below.

Westfield provides the cheapest minimum car insurance coverage in Falling Water. Their Average 6 Month Premium is $133. AutoOwners is the most expensive at $190 for the same period.

Cheapest Liability Coverage in Falling Water, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
Auto-Owners Insurance Co	$155	$26
Tennessee Farm Bureau	$161	$27
Farm Bureau of Tennessee	$167	$28
Tennessee Farmers	$190	$32
USAA	$190	$32
Cincinnati	$196	$33
Erie	$208	$35
Travelers	$208	$35
Farmers	$219	$37
Penn National	$237	$40
Progressive	$259	$44
State Farm	$259	$44
Allstate	$421	$72
Auto-Owners	$190	$32

Cheapest Full Coverage Car Insurance in Falling Water

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 Falling Water is AutoOwners Insurance Co at $69 per month and $415 for six months.

Cheapest Full Coverage Car Insurance Quotes in Falling Water, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$415	$69
Erie	$437	$75
Westfield	$437	$73
Tennessee Farm Bureau	$467	$80
Travelers	$651	$110
Farmers	$790	$133
USAA	$795	$134
Grange	$801	$135
Farm Bureau of Tennessee	$829	$139
Tennessee Farmers	$927	$158
Penn National	$1003	$167
State Farm	$1095	$186
Nationwide	$1112	$185
Progressive	$1325	$225

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Average Car Insurance in Falling Water 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 Falling Water, TN increasing?

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

Car Insurance Premiums by Age in Falling Water

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	$588
30s	Penn National	$404
40s	Penn National	$367
50s	Penn National	$340
60s	Penn National	$356
70s	Penn National	$409

Cheapest Car Insurance Rates for Teen Drivers in Falling Water,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Falling Water at $26 per month. At $276 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
USAA	$184	$31
Tennessee Farm Bureau	$219	$37
Travelers	$219	$37
Auto-Owners Insurance Co	$231	$39
Farmers	$247	$42
Grange	$247	$42
Progressive	$247	$42
Cincinnati	$253	$43
Erie	$253	$43
State Farm	$276	$47

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 Falling Water.

As young drivers face the highest rates in Falling Water, Penn National offers the cheapest auto insurance rates at $588 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 Falling Water, Tennessee Farm Bureau is the cheapest car insurance provider. At $184 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 Falling Water is Erie, offering rates of around $363 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$184	$31
Westfield	$242	$41
Grange	$288	$49
Farmers	$311	$51
Progressive	$311	$53
Travelers	$311	$51
Cincinnati	$340	$58
Erie	$363	$60

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

Car Insurance Rates with An Accident in Falling Water

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

Cheapest Car Insurance Companies after an At-Fault Accident in Falling Water

The cheapest car insurance companies after an at-fault accident in Falling Water include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $161 and $167, respectively. Grange is an expensive provider with an average six-month premium of $311.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$161	$27
Farm Bureau of Tennessee	$167	$28
Westfield	$225	$38
USAA	$242	$41
Farmers	$247	$42
Travelers	$253	$43
Progressive	$265	$45
Erie	$282	$48
State Farm	$282	$48
Auto-Owners Insurance Co	$288	$49
Grange	$311	$51

Falling Water Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Falling Water TN. For example, the car insurance in Falling Water after a DUI increases to $962 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Falling Water auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$962	$160
Not-at-fault accident	$968	$165
One Med/PIP claim	$974	$162
One comp claim	$986	$168
Two comp claims	$997	$166
Two Med/PIP claims	$997	$170
Failure to wear a seat belt	$1106	$184
Failure to show documents	$1123	$191
Child safety restraint	$1129	$188
Driving without lights	$1129	$192
Cell phone violation	$1147	$191
Driving with expired registration	$1147	$195
Speeding 6 - 10 MPH over limit	$1147	$191
Driving too slowly	$1152	$196
Speeding 11 - 15 MPH over limit	$1152	$192
Speeding in school zone	$1152	$196
Failure to yield	$1158	$193
Following too closely	$1158	$197
Illegal turn	$1158	$193
Speeding 16 - 20 MPH over limit	$1158	$197
Texting while driving	$1158	$193
Improper passing	$1170	$199
Wrong way/wrong lane	$1170	$195
Failure to stop at a red light	$1176	$200
In 65 MPH zone	$1193	$199
Speeding 21 - 25 MPH over limit	$1221	$208
At-fault accident - less than $1000	$1239	$207
Passing school bus	$1239	$210
Operating a vehicle without permission	$1313	$219
Open container	$1325	$225
At-fault accident - $1000-$2000	$1429	$239
At-fault accident - greater than $2000	$1429	$243
Reckless driving	$1803	$301
Racing	$1809	$307
Driving with a suspended license	$1856	$309
Refusal to submit to a chemical test	$1890	$321
DUI	$1924	$321
Leaving scene of an accident/hit and run	$1924	$327

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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 Falling Water 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 Falling Water.

The cheapest car insurance premiums in Falling Water are offered by Tennessee Farm Bureau at $253 for a six-month policy. However, it can be as expensive as $1590 with companies like Allstate.

Falling Water car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$253	$43
Farmers	$294	$49
Erie	$300	$51
Grange	$392	$65
Travelers	$484	$81
State Farm	$697	$117
Progressive	$726	$122
USAA	$824	$139
Tennessee Farmers	$1117	$190
Allstate	$1590	$265

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 Falling Water are offered by Westfield at $155. However, it can be as expensive as $265 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Falling Water after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
Tennessee Farm Bureau	$161	$27
Erie	$184	$31
Auto-Owners Insurance Co	$225	$38
State Farm	$225	$38
Cincinnati	$237	$40
Travelers	$253	$43
Chubb	$259	$44
Progressive	$265	$45

Car Insurance Price Trends in Falling Water, Tennessee

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

The average cost of full coverage in the Falling Water remained steady at $93 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Falling Water remained steady at $36 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Falling Water?

The car insurance in Falling Water is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Falling Water?

The cheapest car insurance in Falling Water is $69 per month for full coverage.

How much is car insurance in Falling Water for teenagers?

Car insurance for teenagers costs $155 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 Falling Water?

The average cost of car insurance is $816 for a six-month policy. It will cost around $133 per month to insure your car in Falling Water.

Is car insurance expensive in Falling Water?

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

Cheapest Car Insurance Quotes in Falling Water

Why you can trust Way?

How Much Is Car Insurance in Falling Water

Avg. Car Insurance in Falling Water

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Falling Water

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Falling Water Car Insurance Rates by Company

Cheap Car Insurance Companies in Falling Water, TN

Way's key takeaways about car insurance in Falling Water

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Falling Water

Cheapest Liability Coverage in Falling Water, TN

Cheapest Full Coverage Car Insurance in Falling Water

Cheapest Full Coverage Car Insurance Quotes in Falling Water, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Falling Water by Rating Factor

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

Car Insurance Premiums by Age in Falling Water

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Falling Water,TN

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

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 Falling Water

Cheapest Car Insurance Companies after an At-Fault Accident in Falling Water

Falling Water Car Insurance Rates by Violation

Falling Water auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Falling Water after a DUI

Falling Water car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Falling Water after Speeding ticket

Car Insurance Price Trends in Falling Water, Tennessee

Average Car Insurance Cost in Falling Water by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Falling Water, TN

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

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