Cheapest Car Insurance Quotes in Farragut

Finding the cheapest car insurance quotes in Farragut shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Farragut 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 Farragut

The car insurance rate in Farragut is $783 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $411, making it a popular choice for budget-conscious drivers. Rates in Farragut 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 Farragut

$783

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Farragut

1st place: AutoOwners Insurance Co

At $411 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 $433 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $433 for six months, making it the third cheapest auto insurance company in Farragut.

Farragut Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Farragut, TN is AutoOwners Insurance Co, offering policies at just $411 for a six-month term. This is followed by Erie, which has an average six-month premium of $433.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1311 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Farragut drivers find the best deals.

Cheap Car Insurance Companies in Farragut, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$411	$68
Erie	$433	$74
Westfield	$433	$72
Tennessee Farm Bureau	$462	$79
Travelers	$644	$108
Farmers	$781	$132
USAA	$787	$132
Grange	$793	$133
Farm Bureau of Tennessee	$821	$137
Tennessee Farmers	$918	$156
Penn National	$993	$165
State Farm	$1084	$184
Nationwide	$1100	$183
Progressive	$1311	$223

Key Takeaways

Way's key takeaways about car insurance in Farragut

The auto insurance costs in Farragut fall around $411 for six months.
The cheapest auto insurance company in Farragut is Westfield.
Teen drivers pay the highest rate in Farragut at $46 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Farragut

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 Farragut are given below.

Westfield provides the cheapest minimum car insurance coverage in Farragut. Their Average 6 Month Premium is $132. AutoOwners is the most expensive at $188 for the same period.

Cheapest Liability Coverage in Farragut, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
Auto-Owners Insurance Co	$154	$26
Tennessee Farm Bureau	$159	$27
Farm Bureau of Tennessee	$165	$28
Tennessee Farmers	$188	$32
USAA	$188	$32
Cincinnati	$194	$33
Erie	$205	$35
Travelers	$205	$35
Farmers	$217	$36
Penn National	$234	$39
Progressive	$256	$43
State Farm	$256	$43
Allstate	$417	$71
Auto-Owners	$188	$32

Cheapest Full Coverage Car Insurance in Farragut

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 Farragut is AutoOwners Insurance Co at $68 per month and $411 for six months.

Cheapest Full Coverage Car Insurance Quotes in Farragut, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$411	$68
Erie	$433	$74
Westfield	$433	$72
Tennessee Farm Bureau	$462	$79
Travelers	$644	$108
Farmers	$781	$132
USAA	$787	$132
Grange	$793	$133
Farm Bureau of Tennessee	$821	$137
Tennessee Farmers	$918	$156
Penn National	$993	$165
State Farm	$1084	$184
Nationwide	$1100	$183
Progressive	$1311	$223

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Farragut Instantly!

Average Car Insurance in Farragut 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 Farragut, TN increasing?

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

Car Insurance Premiums by Age in Farragut

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	$582
30s	Penn National	$400
40s	Penn National	$363
50s	Penn National	$336
60s	Penn National	$352
70s	Penn National	$405

Cheapest Car Insurance Rates for Teen Drivers in Farragut,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Farragut at $26 per month. At $274 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
USAA	$182	$31
Tennessee Farm Bureau	$217	$36
Travelers	$217	$36
Auto-Owners Insurance Co	$228	$38
Farmers	$245	$41
Grange	$245	$41
Progressive	$245	$41
Cincinnati	$251	$42
Erie	$251	$42
State Farm	$274	$46

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 Farragut.

As young drivers face the highest rates in Farragut, Penn National offers the cheapest auto insurance rates at $582 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 Farragut, Tennessee Farm Bureau is the cheapest car insurance provider. At $182 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 Farragut is Erie, offering rates of around $359 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$182	$31
Westfield	$239	$40
Grange	$285	$49
Farmers	$308	$51
Progressive	$308	$53
Travelers	$308	$51
Cincinnati	$336	$58
Erie	$359	$60

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Farragut

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

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

The cheapest car insurance companies after an at-fault accident in Farragut include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $159 and $165, respectively. Grange is an expensive provider with an average six-month premium of $308.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$159	$27
Farm Bureau of Tennessee	$165	$28
Westfield	$223	$37
USAA	$239	$40
Farmers	$245	$41
Travelers	$251	$42
Progressive	$262	$44
Erie	$279	$47
State Farm	$279	$47
Auto-Owners Insurance Co	$285	$49
Grange	$308	$51

Farragut Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Farragut TN. For example, the car insurance in Farragut after a DUI increases to $953 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Farragut auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$952	$158
Not-at-fault accident	$958	$163
One Med/PIP claim	$964	$160
One comp claim	$975	$166
Two comp claims	$987	$164
Two Med/PIP claims	$987	$168
Failure to wear a seat belt	$1094	$182
Failure to show documents	$1112	$189
Child safety restraint	$1117	$186
Driving without lights	$1117	$190
Cell phone violation	$1135	$189
Driving with expired registration	$1135	$193
Speeding 6 - 10 MPH over limit	$1135	$189
Driving too slowly	$1140	$194
Speeding 11 - 15 MPH over limit	$1140	$190
Speeding in school zone	$1140	$194
Failure to yield	$1146	$191
Following too closely	$1146	$195
Illegal turn	$1146	$191
Speeding 16 - 20 MPH over limit	$1146	$195
Texting while driving	$1146	$191
Improper passing	$1158	$197
Wrong way/wrong lane	$1158	$193
Failure to stop at a red light	$1164	$198
In 65 MPH zone	$1181	$197
Speeding 21 - 25 MPH over limit	$1209	$205
At-fault accident - less than $1000	$1226	$204
Passing school bus	$1226	$208
Operating a vehicle without permission	$1300	$217
Open container	$1311	$223
At-fault accident - $1000-$2000	$1414	$236
At-fault accident - greater than $2000	$1414	$240
Reckless driving	$1785	$298
Racing	$1790	$304
Driving with a suspended license	$1836	$306
Refusal to submit to a chemical test	$1870	$318
DUI	$1905	$318
Leaving scene of an accident/hit and run	$1905	$324

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Farragut 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 Farragut.

The cheapest car insurance premiums in Farragut are offered by Tennessee Farm Bureau at $251 for a six-month policy. However, it can be as expensive as $1573 with companies like Allstate.

Farragut car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$251	$42
Farmers	$291	$49
Erie	$297	$51
Grange	$388	$64
Travelers	$479	$81
State Farm	$690	$116
Progressive	$718	$121
USAA	$815	$137
Tennessee Farmers	$1106	$188
Allstate	$1573	$262

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 Farragut are offered by Westfield at $154. However, it can be as expensive as $262 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Farragut after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
Tennessee Farm Bureau	$159	$27
Erie	$182	$31
Auto-Owners Insurance Co	$223	$37
State Farm	$223	$37
Cincinnati	$234	$39
Travelers	$251	$42
Chubb	$256	$43
Progressive	$262	$44

Car Insurance Price Trends in Farragut, Tennessee

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

The average cost of full coverage in the Farragut remained steady at $92 in both December and November, indicating no change over the two month period.

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

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Farragut?

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

What is the cheapest car insurance in Farragut?

The cheapest car insurance in Farragut is $68 per month for full coverage.

How much is car insurance in Farragut for teenagers?

Car insurance for teenagers costs $154 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 Farragut?

The average cost of car insurance is $816 for a six-month policy. It will cost around $132 per month to insure your car in Farragut.

Is car insurance expensive in Farragut?

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

Cheapest Car Insurance Quotes in Farragut

Why you can trust Way?

How Much Is Car Insurance in Farragut

Avg. Car Insurance in Farragut

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Farragut

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Farragut Car Insurance Rates by Company

Cheap Car Insurance Companies in Farragut, TN

Way's key takeaways about car insurance in Farragut

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Farragut

Cheapest Liability Coverage in Farragut, TN

Cheapest Full Coverage Car Insurance in Farragut

Cheapest Full Coverage Car Insurance Quotes in Farragut, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Farragut by Rating Factor

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

Car Insurance Premiums by Age in Farragut

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Farragut,TN

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

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 Farragut

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

Farragut Car Insurance Rates by Violation

Farragut auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Farragut after a DUI

Farragut car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Farragut after Speeding ticket

Car Insurance Price Trends in Farragut, Tennessee

Average Car Insurance Cost in Farragut by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Farragut, TN

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

Featured Blogs

Data Sources