Cheapest Car Insurance Quotes in Friendsville

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Friendsville 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 Friendsville

The car insurance rate in Friendsville is $767 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in Friendsville 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 Friendsville

$767

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Friendsville

1st place: AutoOwners Insurance Co

At $402 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 $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $424 for six months, making it the third cheapest auto insurance company in Friendsville.

Friendsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Friendsville, TN is AutoOwners Insurance Co, offering policies at just $402 for a six-month term. This is followed by Erie, which has an average six-month premium of $424.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1284 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Friendsville drivers find the best deals.

Cheap Car Insurance Companies in Friendsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$402	$67
Erie	$424	$72
Westfield	$424	$71
Tennessee Farm Bureau	$452	$77
Travelers	$631	$106
Farmers	$765	$129
USAA	$771	$130
Grange	$776	$131
Farm Bureau of Tennessee	$804	$134
Tennessee Farmers	$899	$153
Penn National	$972	$162
State Farm	$1061	$180
Nationwide	$1077	$180
Progressive	$1284	$218

Key Takeaways

Way's key takeaways about car insurance in Friendsville

The auto insurance costs in Friendsville fall around $402 for six months.
The cheapest auto insurance company in Friendsville is Westfield.
Teen drivers pay the highest rate in Friendsville at $45 per month.

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

Cheapest Minimum Liability Car Insurance in Friendsville

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 Friendsville are given below.

Westfield provides the cheapest minimum car insurance coverage in Friendsville. Their Average 6 Month Premium is $129. AutoOwners is the most expensive at $184 for the same period.

Cheapest Liability Coverage in Friendsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
Auto-Owners Insurance Co	$150	$25
Tennessee Farm Bureau	$156	$26
Farm Bureau of Tennessee	$162	$27
Tennessee Farmers	$184	$31
USAA	$184	$31
Cincinnati	$190	$32
Erie	$201	$34
Travelers	$201	$34
Farmers	$212	$36
Penn National	$229	$39
Progressive	$251	$42
State Farm	$251	$42
Allstate	$408	$70
Auto-Owners	$184	$31

Cheapest Full Coverage Car Insurance in Friendsville

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 Friendsville is AutoOwners Insurance Co at $67 per month and $402 for six months.

Cheapest Full Coverage Car Insurance Quotes in Friendsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$402	$67
Erie	$424	$72
Westfield	$424	$71
Tennessee Farm Bureau	$452	$77
Travelers	$631	$106
Farmers	$765	$129
USAA	$771	$130
Grange	$776	$131
Farm Bureau of Tennessee	$804	$134
Tennessee Farmers	$899	$153
Penn National	$972	$162
State Farm	$1061	$180
Nationwide	$1077	$180
Progressive	$1284	$218

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Average Car Insurance in Friendsville 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 Friendsville, TN increasing?

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

Car Insurance Premiums by Age in Friendsville

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	$570
30s	Penn National	$392
40s	Penn National	$355
50s	Penn National	$329
60s	Penn National	$345
70s	Penn National	$397

Cheapest Car Insurance Rates for Teen Drivers in Friendsville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Friendsville at $25 per month. At $268 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
USAA	$179	$30
Tennessee Farm Bureau	$212	$36
Travelers	$212	$36
Auto-Owners Insurance Co	$224	$38
Farmers	$240	$40
Grange	$240	$40
Progressive	$240	$40
Cincinnati	$245	$41
Erie	$245	$41
State Farm	$268	$45

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 Friendsville.

As young drivers face the highest rates in Friendsville, Penn National offers the cheapest auto insurance rates at $570 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 Friendsville, Tennessee Farm Bureau is the cheapest car insurance provider. At $179 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 Friendsville is Erie, offering rates of around $352 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$179	$30
Westfield	$234	$39
Grange	$279	$48
Farmers	$302	$50
Progressive	$302	$52
Travelers	$302	$50
Cincinnati	$329	$56
Erie	$352	$58

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

Car Insurance Rates with An Accident in Friendsville

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

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

The cheapest car insurance companies after an at-fault accident in Friendsville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $156 and $162, respectively. Grange is an expensive provider with an average six-month premium of $302.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$156	$26
Farm Bureau of Tennessee	$162	$27
Westfield	$218	$37
USAA	$234	$39
Farmers	$240	$40
Travelers	$245	$41
Progressive	$257	$43
Erie	$274	$46
State Farm	$274	$46
Auto-Owners Insurance Co	$279	$48
Grange	$302	$50

Friendsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Friendsville TN. For example, the car insurance in Friendsville after a DUI increases to $933 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Friendsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$932	$155
Not-at-fault accident	$938	$160
One Med/PIP claim	$944	$157
One comp claim	$955	$163
Two comp claims	$966	$161
Two Med/PIP claims	$966	$165
Failure to wear a seat belt	$1072	$179
Failure to show documents	$1089	$185
Child safety restraint	$1094	$182
Driving without lights	$1094	$186
Cell phone violation	$1111	$185
Driving with expired registration	$1111	$189
Speeding 6 - 10 MPH over limit	$1111	$185
Driving too slowly	$1117	$190
Speeding 11 - 15 MPH over limit	$1117	$186
Speeding in school zone	$1117	$190
Failure to yield	$1122	$187
Following too closely	$1122	$191
Illegal turn	$1122	$187
Speeding 16 - 20 MPH over limit	$1122	$191
Texting while driving	$1122	$187
Improper passing	$1134	$193
Wrong way/wrong lane	$1134	$189
Failure to stop at a red light	$1139	$194
In 65 MPH zone	$1156	$193
Speeding 21 - 25 MPH over limit	$1183	$201
At-fault accident - less than $1000	$1200	$200
Passing school bus	$1200	$204
Operating a vehicle without permission	$1273	$212
Open container	$1284	$218
At-fault accident - $1000-$2000	$1385	$231
At-fault accident - greater than $2000	$1385	$235
Reckless driving	$1747	$291
Racing	$1753	$298
Driving with a suspended license	$1798	$300
Refusal to submit to a chemical test	$1831	$311
DUI	$1865	$311
Leaving scene of an accident/hit and run	$1865	$317

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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 Friendsville 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 Friendsville.

The cheapest car insurance premiums in Friendsville are offered by Tennessee Farm Bureau at $245 for a six-month policy. However, it can be as expensive as $1541 with companies like Allstate.

Friendsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$245	$41
Farmers	$285	$48
Erie	$290	$50
Grange	$380	$63
Travelers	$469	$79
State Farm	$676	$114
Progressive	$703	$118
USAA	$798	$134
Tennessee Farmers	$1083	$184
Allstate	$1541	$257

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 Friendsville are offered by Westfield at $150. However, it can be as expensive as $257 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Friendsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Tennessee Farm Bureau	$156	$26
Erie	$179	$30
Auto-Owners Insurance Co	$218	$37
State Farm	$218	$37
Cincinnati	$229	$39
Travelers	$245	$41
Chubb	$251	$42
Progressive	$257	$43

Car Insurance Price Trends in Friendsville, Tennessee

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

The average cost of full coverage in the Friendsville remained steady at $90 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Friendsville remained steady at $35 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 Friendsville?

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

What is the cheapest car insurance in Friendsville?

The cheapest car insurance in Friendsville is $67 per month for full coverage.

How much is car insurance in Friendsville for teenagers?

Car insurance for teenagers costs $150 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 Friendsville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $129 per month to insure your car in Friendsville.

Is car insurance expensive in Friendsville?

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

Cheapest Car Insurance Quotes in Friendsville

Why you can trust Way?

How Much Is Car Insurance in Friendsville

Avg. Car Insurance in Friendsville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Friendsville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Friendsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Friendsville, TN

Way's key takeaways about car insurance in Friendsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Friendsville

Cheapest Liability Coverage in Friendsville, TN

Cheapest Full Coverage Car Insurance in Friendsville

Cheapest Full Coverage Car Insurance Quotes in Friendsville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Friendsville by Rating Factor

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

Car Insurance Premiums by Age in Friendsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Friendsville,TN

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

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 Friendsville

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

Friendsville Car Insurance Rates by Violation

Friendsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Friendsville after a DUI

Friendsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Friendsville after Speeding ticket

Car Insurance Price Trends in Friendsville, Tennessee

Average Car Insurance Cost in Friendsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Friendsville, TN

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

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