Cheapest Car Insurance Quotes in Germantown

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Germantown Car Insurance

^$ 28

/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 Germantown

The car insurance rate in Germantown is $979 for a six-month policy, which is $163 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $514, making it a popular choice for budget-conscious drivers. Rates in Germantown 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 Germantown

$979

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Germantown

1st place: AutoOwners Insurance Co

At $514 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 $541 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $541 for six months, making it the third cheapest auto insurance company in Germantown.

Germantown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Germantown, TN is AutoOwners Insurance Co, offering policies at just $514 for a six-month term. This is followed by Erie, which has an average six-month premium of $541.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1639 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Germantown drivers find the best deals.

Cheap Car Insurance Companies in Germantown, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$514	$85
Erie	$541	$92
Westfield	$541	$90
Tennessee Farm Bureau	$577	$98
Travelers	$805	$136
Farmers	$977	$164
USAA	$984	$166
Grange	$991	$167
Farm Bureau of Tennessee	$1026	$172
Tennessee Farmers	$1147	$196
Penn National	$1241	$206
State Farm	$1355	$230
Nationwide	$1375	$229
Progressive	$1639	$278

Key Takeaways

Way's key takeaways about car insurance in Germantown

The auto insurance costs in Germantown fall around $514 for six months.
The cheapest auto insurance company in Germantown is Westfield.
Teen drivers pay the highest rate in Germantown at $58 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 Germantown

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 Germantown are given below.

Westfield provides the cheapest minimum car insurance coverage in Germantown. Their Average 6 Month Premium is $164. AutoOwners is the most expensive at $235 for the same period.

Cheapest Liability Coverage in Germantown, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$164	$28
Auto-Owners Insurance Co	$192	$32
Tennessee Farm Bureau	$199	$34
Farm Bureau of Tennessee	$206	$35
Tennessee Farmers	$235	$40
USAA	$235	$40
Cincinnati	$242	$41
Erie	$257	$43
Travelers	$257	$43
Farmers	$271	$46
Penn National	$293	$49
Progressive	$320	$54
State Farm	$320	$54
Allstate	$521	$89
Auto-Owners	$235	$40

Cheapest Full Coverage Car Insurance in Germantown

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 Germantown is AutoOwners Insurance Co at $85 per month and $514 for six months.

Cheapest Full Coverage Car Insurance Quotes in Germantown, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$514	$85
Erie	$541	$92
Westfield	$541	$90
Tennessee Farm Bureau	$577	$98
Travelers	$805	$136
Farmers	$977	$164
USAA	$984	$166
Grange	$991	$167
Farm Bureau of Tennessee	$1026	$172
Tennessee Farmers	$1147	$196
Penn National	$1241	$206
State Farm	$1355	$230
Nationwide	$1375	$229
Progressive	$1639	$278

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Average Car Insurance in Germantown 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 Germantown, TN increasing?

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

Car Insurance Premiums by Age in Germantown

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	$727
30s	Penn National	$500
40s	Penn National	$454
50s	Penn National	$420
60s	Penn National	$440
70s	Penn National	$506

Cheapest Car Insurance Rates for Teen Drivers in Germantown,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Germantown at $32 per month. At $342 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$192	$32
USAA	$228	$38
Tennessee Farm Bureau	$271	$46
Travelers	$271	$46
Auto-Owners Insurance Co	$286	$48
Farmers	$306	$52
Grange	$306	$52
Progressive	$306	$52
Cincinnati	$313	$53
Erie	$313	$53
State Farm	$342	$58

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 Germantown.

As young drivers face the highest rates in Germantown, Penn National offers the cheapest auto insurance rates at $727 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 Germantown, Tennessee Farm Bureau is the cheapest car insurance provider. At $228 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 Germantown is Erie, offering rates of around $449 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$228	$38
Westfield	$299	$50
Grange	$356	$61
Farmers	$385	$64
Progressive	$385	$66
Travelers	$385	$64
Cincinnati	$420	$72
Erie	$449	$74

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Car Insurance Rates with An Accident in Germantown

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

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

The cheapest car insurance companies after an at-fault accident in Germantown include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $199 and $206, respectively. Grange is an expensive provider with an average six-month premium of $385.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$199	$34
Farm Bureau of Tennessee	$206	$35
Westfield	$278	$47
USAA	$299	$50
Farmers	$306	$52
Travelers	$313	$53
Progressive	$328	$55
Erie	$349	$59
State Farm	$349	$59
Auto-Owners Insurance Co	$356	$61
Grange	$385	$64

Germantown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Germantown TN. For example, the car insurance in Germantown after a DUI increases to $1191 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Germantown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1190	$198
Not-at-fault accident	$1198	$204
One Med/PIP claim	$1205	$200
One comp claim	$1219	$208
Two comp claims	$1234	$205
Two Med/PIP claims	$1234	$210
Failure to wear a seat belt	$1368	$228
Failure to show documents	$1390	$236
Child safety restraint	$1397	$233
Driving without lights	$1397	$238
Cell phone violation	$1418	$236
Driving with expired registration	$1418	$241
Speeding 6 - 10 MPH over limit	$1418	$236
Driving too slowly	$1426	$242
Speeding 11 - 15 MPH over limit	$1426	$238
Speeding in school zone	$1426	$242
Failure to yield	$1433	$239
Following too closely	$1433	$244
Illegal turn	$1433	$239
Speeding 16 - 20 MPH over limit	$1433	$244
Texting while driving	$1433	$239
Improper passing	$1447	$246
Wrong way/wrong lane	$1447	$241
Failure to stop at a red light	$1454	$247
In 65 MPH zone	$1476	$246
Speeding 21 - 25 MPH over limit	$1511	$257
At-fault accident - less than $1000	$1532	$256
Passing school bus	$1532	$260
Operating a vehicle without permission	$1625	$271
Open container	$1639	$278
At-fault accident - $1000-$2000	$1768	$295
At-fault accident - greater than $2000	$1768	$300
Reckless driving	$2231	$372
Racing	$2238	$380
Driving with a suspended license	$2296	$383
Refusal to submit to a chemical test	$2338	$397
DUI	$2381	$397
Leaving scene of an accident/hit and run	$2381	$404

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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 Germantown 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 Germantown.

The cheapest car insurance premiums in Germantown are offered by Tennessee Farm Bureau at $313 for a six-month policy. However, it can be as expensive as $1967 with companies like Allstate.

Germantown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$313	$53
Farmers	$364	$61
Erie	$371	$64
Grange	$485	$80
Travelers	$599	$101
State Farm	$863	$145
Progressive	$898	$151
USAA	$1019	$172
Tennessee Farmers	$1382	$235
Allstate	$1967	$328

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 Germantown are offered by Westfield at $192. However, it can be as expensive as $328 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Germantown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$192	$32
Tennessee Farm Bureau	$199	$34
Erie	$228	$38
Auto-Owners Insurance Co	$278	$47
State Farm	$278	$47
Cincinnati	$293	$49
Travelers	$313	$53
Chubb	$320	$54
Progressive	$328	$55

Car Insurance Price Trends in Germantown, Tennessee

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

The average cost of full coverage in the Germantown remained steady at $115 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Germantown remained steady at $44 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 Germantown?

The car insurance in Germantown is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Germantown?

The cheapest car insurance in Germantown is $85 per month for full coverage.

How much is car insurance in Germantown for teenagers?

Car insurance for teenagers costs $192 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 Germantown?

The average cost of car insurance is $816 for a six-month policy. It will cost around $164 per month to insure your car in Germantown.

Is car insurance expensive in Germantown?

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

Cheapest Car Insurance Quotes in Germantown

Why you can trust Way?

How Much Is Car Insurance in Germantown

Avg. Car Insurance in Germantown

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Germantown

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Germantown Car Insurance Rates by Company

Cheap Car Insurance Companies in Germantown, TN

Way's key takeaways about car insurance in Germantown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Germantown

Cheapest Liability Coverage in Germantown, TN

Cheapest Full Coverage Car Insurance in Germantown

Cheapest Full Coverage Car Insurance Quotes in Germantown, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Germantown by Rating Factor

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

Car Insurance Premiums by Age in Germantown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Germantown,TN

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

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 Germantown

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

Germantown Car Insurance Rates by Violation

Germantown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Germantown after a DUI

Germantown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Germantown after Speeding ticket

Car Insurance Price Trends in Germantown, Tennessee

Average Car Insurance Cost in Germantown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Germantown, TN

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

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