Cheapest Car Insurance Quotes in Gainesboro

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Gainesboro Car Insurance

^$ 23

/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 Gainesboro

The car insurance rate in Gainesboro is $816 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Gainesboro 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 Gainesboro

$816

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Gainesboro

1st place: AutoOwners Insurance Co

At $428 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 $451 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $451 for six months, making it the third cheapest auto insurance company in Gainesboro.

Gainesboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gainesboro, TN is AutoOwners Insurance Co, offering policies at just $428 for a six-month term. This is followed by Erie, which has an average six-month premium of $451.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1366 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gainesboro drivers find the best deals.

Cheap Car Insurance Companies in Gainesboro, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$71
Erie	$451	$77
Westfield	$451	$75
Tennessee Farm Bureau	$481	$82
Travelers	$671	$113
Farmers	$814	$137
USAA	$820	$138
Grange	$826	$139
Farm Bureau of Tennessee	$855	$143
Tennessee Farmers	$956	$163
Penn National	$1034	$172
State Farm	$1129	$192
Nationwide	$1146	$191
Progressive	$1366	$232

Key Takeaways

Way's key takeaways about car insurance in Gainesboro

The auto insurance costs in Gainesboro fall around $428 for six months.
The cheapest auto insurance company in Gainesboro is Westfield.
Teen drivers pay the highest rate in Gainesboro at $48 per month.

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Cheapest Minimum Liability Car Insurance in Gainesboro

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 Gainesboro are given below.

Westfield provides the cheapest minimum car insurance coverage in Gainesboro. Their Average 6 Month Premium is $137. AutoOwners is the most expensive at $196 for the same period.

Cheapest Liability Coverage in Gainesboro, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
Auto-Owners Insurance Co	$160	$27
Tennessee Farm Bureau	$166	$28
Farm Bureau of Tennessee	$172	$29
Tennessee Farmers	$196	$33
USAA	$196	$33
Cincinnati	$202	$34
Erie	$214	$36
Travelers	$214	$36
Farmers	$226	$38
Penn National	$244	$41
Progressive	$267	$45
State Farm	$267	$45
Allstate	$434	$74
Auto-Owners	$196	$33

Cheapest Full Coverage Car Insurance in Gainesboro

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 Gainesboro is AutoOwners Insurance Co at $71 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gainesboro, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$428	$71
Erie	$451	$77
Westfield	$451	$75
Tennessee Farm Bureau	$481	$82
Travelers	$671	$113
Farmers	$814	$137
USAA	$820	$138
Grange	$826	$139
Farm Bureau of Tennessee	$855	$143
Tennessee Farmers	$956	$163
Penn National	$1034	$172
State Farm	$1129	$192
Nationwide	$1146	$191
Progressive	$1366	$232

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Average Car Insurance in Gainesboro 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 Gainesboro, TN increasing?

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

Car Insurance Premiums by Age in Gainesboro

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	$606
30s	Penn National	$417
40s	Penn National	$378
50s	Penn National	$350
60s	Penn National	$367
70s	Penn National	$422

Cheapest Car Insurance Rates for Teen Drivers in Gainesboro,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Gainesboro at $27 per month. At $285 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
USAA	$190	$32
Tennessee Farm Bureau	$226	$38
Travelers	$226	$38
Auto-Owners Insurance Co	$238	$40
Farmers	$255	$43
Grange	$255	$43
Progressive	$255	$43
Cincinnati	$261	$44
Erie	$261	$44
State Farm	$285	$48

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 Gainesboro.

As young drivers face the highest rates in Gainesboro, Penn National offers the cheapest auto insurance rates at $606 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 Gainesboro, Tennessee Farm Bureau is the cheapest car insurance provider. At $190 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 Gainesboro is Erie, offering rates of around $374 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$190	$32
Westfield	$249	$42
Grange	$297	$51
Farmers	$321	$53
Progressive	$321	$55
Travelers	$321	$53
Cincinnati	$350	$60
Erie	$374	$62

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Car Insurance Rates with An Accident in Gainesboro

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

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

The cheapest car insurance companies after an at-fault accident in Gainesboro include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $166 and $172, respectively. Grange is an expensive provider with an average six-month premium of $321.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$166	$28
Farm Bureau of Tennessee	$172	$29
Westfield	$232	$39
USAA	$249	$42
Farmers	$255	$43
Travelers	$261	$44
Progressive	$273	$46
Erie	$291	$49
State Farm	$291	$49
Auto-Owners Insurance Co	$297	$51
Grange	$321	$53

Gainesboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gainesboro TN. For example, the car insurance in Gainesboro after a DUI increases to $992 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Gainesboro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$992	$165
Not-at-fault accident	$998	$170
One Med/PIP claim	$1004	$167
One comp claim	$1016	$173
Two comp claims	$1028	$171
Two Med/PIP claims	$1028	$175
Failure to wear a seat belt	$1140	$190
Failure to show documents	$1158	$197
Child safety restraint	$1164	$194
Driving without lights	$1164	$198
Cell phone violation	$1182	$197
Driving with expired registration	$1182	$201
Speeding 6 - 10 MPH over limit	$1182	$197
Driving too slowly	$1188	$202
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding in school zone	$1188	$202
Failure to yield	$1194	$199
Following too closely	$1194	$203
Illegal turn	$1194	$199
Speeding 16 - 20 MPH over limit	$1194	$203
Texting while driving	$1194	$199
Improper passing	$1206	$205
Wrong way/wrong lane	$1206	$201
Failure to stop at a red light	$1212	$206
In 65 MPH zone	$1230	$205
Speeding 21 - 25 MPH over limit	$1259	$214
At-fault accident - less than $1000	$1277	$213
Passing school bus	$1277	$217
Operating a vehicle without permission	$1354	$226
Open container	$1366	$232
At-fault accident - $1000-$2000	$1473	$246
At-fault accident - greater than $2000	$1473	$250
Reckless driving	$1859	$310
Racing	$1865	$317
Driving with a suspended license	$1913	$319
Refusal to submit to a chemical test	$1948	$331
DUI	$1984	$331
Leaving scene of an accident/hit and run	$1984	$337

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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 Gainesboro 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 Gainesboro.

The cheapest car insurance premiums in Gainesboro are offered by Tennessee Farm Bureau at $261 for a six-month policy. However, it can be as expensive as $1639 with companies like Allstate.

Gainesboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$261	$44
Farmers	$303	$51
Erie	$309	$53
Grange	$404	$67
Travelers	$499	$84
State Farm	$719	$121
Progressive	$748	$126
USAA	$849	$143
Tennessee Farmers	$1152	$196
Allstate	$1639	$273

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 Gainesboro are offered by Westfield at $160. However, it can be as expensive as $273 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Gainesboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Tennessee Farm Bureau	$166	$28
Erie	$190	$32
Auto-Owners Insurance Co	$232	$39
State Farm	$232	$39
Cincinnati	$244	$41
Travelers	$261	$44
Chubb	$267	$45
Progressive	$273	$46

Car Insurance Price Trends in Gainesboro, Tennessee

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

The average cost of full coverage in the Gainesboro remained steady at $96 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Gainesboro remained steady at $37 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 Gainesboro?

The car insurance in Gainesboro is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Gainesboro?

The cheapest car insurance in Gainesboro is $71 per month for full coverage.

How much is car insurance in Gainesboro for teenagers?

Car insurance for teenagers costs $160 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 Gainesboro?

The average cost of car insurance is $816 for a six-month policy. It will cost around $137 per month to insure your car in Gainesboro.

Is car insurance expensive in Gainesboro?

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

Cheapest Car Insurance Quotes in Gainesboro

Why you can trust Way?

How Much Is Car Insurance in Gainesboro

Avg. Car Insurance in Gainesboro

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Gainesboro

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Gainesboro Car Insurance Rates by Company

Cheap Car Insurance Companies in Gainesboro, TN

Way's key takeaways about car insurance in Gainesboro

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gainesboro

Cheapest Liability Coverage in Gainesboro, TN

Cheapest Full Coverage Car Insurance in Gainesboro

Cheapest Full Coverage Car Insurance Quotes in Gainesboro, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gainesboro by Rating Factor

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

Car Insurance Premiums by Age in Gainesboro

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gainesboro,TN

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

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 Gainesboro

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

Gainesboro Car Insurance Rates by Violation

Gainesboro auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gainesboro after a DUI

Gainesboro car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gainesboro after Speeding ticket

Car Insurance Price Trends in Gainesboro, Tennessee

Average Car Insurance Cost in Gainesboro by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gainesboro, TN

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

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