Cheapest Car Insurance Quotes in Goodlettsville

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Goodlettsville Car Insurance

^$ 25

/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 Goodlettsville

The car insurance rate in Goodlettsville is $881 for a six-month policy, which is $65 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Goodlettsville 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 Goodlettsville

$881

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Goodlettsville

1st place: AutoOwners Insurance Co

At $462 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 $487 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $487 for six months, making it the third cheapest auto insurance company in Goodlettsville.

Goodlettsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Goodlettsville, TN is AutoOwners Insurance Co, offering policies at just $462 for a six-month term. This is followed by Erie, which has an average six-month premium of $487.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1475 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Goodlettsville drivers find the best deals.

Cheap Car Insurance Companies in Goodlettsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$462	$77
Erie	$487	$83
Westfield	$487	$81
Tennessee Farm Bureau	$519	$89
Travelers	$725	$122
Farmers	$879	$148
USAA	$886	$149
Grange	$892	$150
Farm Bureau of Tennessee	$923	$154
Tennessee Farmers	$1032	$176
Penn National	$1117	$186
State Farm	$1219	$207
Nationwide	$1238	$206
Progressive	$1475	$251

Key Takeaways

Way's key takeaways about car insurance in Goodlettsville

The auto insurance costs in Goodlettsville fall around $462 for six months.
The cheapest auto insurance company in Goodlettsville is Westfield.
Teen drivers pay the highest rate in Goodlettsville at $52 per month.

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

Cheapest Minimum Liability Car Insurance in Goodlettsville

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 Goodlettsville are given below.

Westfield provides the cheapest minimum car insurance coverage in Goodlettsville. Their Average 6 Month Premium is $148. AutoOwners is the most expensive at $212 for the same period.

Cheapest Liability Coverage in Goodlettsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
Auto-Owners Insurance Co	$173	$29
Tennessee Farm Bureau	$179	$30
Farm Bureau of Tennessee	$186	$31
Tennessee Farmers	$212	$36
USAA	$212	$36
Cincinnati	$218	$37
Erie	$231	$39
Travelers	$231	$39
Farmers	$244	$41
Penn National	$264	$44
Progressive	$288	$49
State Farm	$288	$49
Allstate	$469	$80
Auto-Owners	$212	$36

Cheapest Full Coverage Car Insurance in Goodlettsville

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 Goodlettsville is AutoOwners Insurance Co at $77 per month and $462 for six months.

Cheapest Full Coverage Car Insurance Quotes in Goodlettsville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$462	$77
Erie	$487	$83
Westfield	$487	$81
Tennessee Farm Bureau	$519	$89
Travelers	$725	$122
Farmers	$879	$148
USAA	$886	$149
Grange	$892	$150
Farm Bureau of Tennessee	$923	$154
Tennessee Farmers	$1032	$176
Penn National	$1117	$186
State Farm	$1219	$207
Nationwide	$1238	$206
Progressive	$1475	$251

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Average Car Insurance in Goodlettsville 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 Goodlettsville, TN increasing?

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

Car Insurance Premiums by Age in Goodlettsville

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	$654
30s	Penn National	$450
40s	Penn National	$408
50s	Penn National	$378
60s	Penn National	$396
70s	Penn National	$456

Cheapest Car Insurance Rates for Teen Drivers in Goodlettsville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Goodlettsville at $29 per month. At $308 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
USAA	$205	$35
Tennessee Farm Bureau	$244	$41
Travelers	$244	$41
Auto-Owners Insurance Co	$257	$43
Farmers	$275	$46
Grange	$275	$46
Progressive	$275	$46
Cincinnati	$282	$48
Erie	$282	$48
State Farm	$308	$52

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 Goodlettsville.

As young drivers face the highest rates in Goodlettsville, Penn National offers the cheapest auto insurance rates at $654 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 Goodlettsville, Tennessee Farm Bureau is the cheapest car insurance provider. At $205 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 Goodlettsville is Erie, offering rates of around $404 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$205	$35
Westfield	$269	$45
Grange	$321	$55
Farmers	$347	$57
Progressive	$347	$59
Travelers	$347	$57
Cincinnati	$378	$65
Erie	$404	$67

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

Car Insurance Rates with An Accident in Goodlettsville

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

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

The cheapest car insurance companies after an at-fault accident in Goodlettsville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $179 and $186, respectively. Grange is an expensive provider with an average six-month premium of $347.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$179	$30
Farm Bureau of Tennessee	$186	$31
Westfield	$251	$42
USAA	$269	$45
Farmers	$275	$46
Travelers	$282	$48
Progressive	$295	$50
Erie	$314	$53
State Farm	$314	$53
Auto-Owners Insurance Co	$321	$55
Grange	$347	$57

Goodlettsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Goodlettsville TN. For example, the car insurance in Goodlettsville after a DUI increases to $1072 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Goodlettsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1071	$178
Not-at-fault accident	$1078	$184
One Med/PIP claim	$1084	$180
One comp claim	$1097	$187
Two comp claims	$1110	$185
Two Med/PIP claims	$1110	$189
Failure to wear a seat belt	$1231	$205
Failure to show documents	$1251	$213
Child safety restraint	$1257	$210
Driving without lights	$1257	$214
Cell phone violation	$1277	$213
Driving with expired registration	$1277	$217
Speeding 6 - 10 MPH over limit	$1277	$213
Driving too slowly	$1283	$218
Speeding 11 - 15 MPH over limit	$1283	$214
Speeding in school zone	$1283	$218
Failure to yield	$1290	$215
Following too closely	$1290	$219
Illegal turn	$1290	$215
Speeding 16 - 20 MPH over limit	$1290	$219
Texting while driving	$1290	$215
Improper passing	$1302	$221
Wrong way/wrong lane	$1302	$217
Failure to stop at a red light	$1309	$222
In 65 MPH zone	$1328	$221
Speeding 21 - 25 MPH over limit	$1360	$231
At-fault accident - less than $1000	$1379	$230
Passing school bus	$1379	$234
Operating a vehicle without permission	$1462	$244
Open container	$1475	$251
At-fault accident - $1000-$2000	$1591	$266
At-fault accident - greater than $2000	$1591	$270
Reckless driving	$2008	$335
Racing	$2014	$342
Driving with a suspended license	$2066	$345
Refusal to submit to a chemical test	$2104	$357
DUI	$2143	$357
Leaving scene of an accident/hit and run	$2143	$364

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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 Goodlettsville 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 Goodlettsville.

The cheapest car insurance premiums in Goodlettsville are offered by Tennessee Farm Bureau at $282 for a six-month policy. However, it can be as expensive as $1770 with companies like Allstate.

Goodlettsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$282	$48
Farmers	$327	$55
Erie	$334	$57
Grange	$436	$72
Travelers	$539	$91
State Farm	$777	$131
Progressive	$808	$136
USAA	$917	$154
Tennessee Farmers	$1244	$212
Allstate	$1770	$295

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 Goodlettsville are offered by Westfield at $173. However, it can be as expensive as $295 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Goodlettsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Tennessee Farm Bureau	$179	$30
Erie	$205	$35
Auto-Owners Insurance Co	$251	$42
State Farm	$251	$42
Cincinnati	$264	$44
Travelers	$282	$48
Chubb	$288	$49
Progressive	$295	$50

Car Insurance Price Trends in Goodlettsville, Tennessee

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

The average cost of full coverage in the Goodlettsville remained steady at $104 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Goodlettsville remained steady at $40 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 Goodlettsville?

The car insurance in Goodlettsville is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Goodlettsville?

The cheapest car insurance in Goodlettsville is $77 per month for full coverage.

How much is car insurance in Goodlettsville for teenagers?

Car insurance for teenagers costs $173 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 Goodlettsville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $148 per month to insure your car in Goodlettsville.

Is car insurance expensive in Goodlettsville?

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

Cheapest Car Insurance Quotes in Goodlettsville

Why you can trust Way?

How Much Is Car Insurance in Goodlettsville

Avg. Car Insurance in Goodlettsville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Goodlettsville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Goodlettsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Goodlettsville, TN

Way's key takeaways about car insurance in Goodlettsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Goodlettsville

Cheapest Liability Coverage in Goodlettsville, TN

Cheapest Full Coverage Car Insurance in Goodlettsville

Cheapest Full Coverage Car Insurance Quotes in Goodlettsville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Goodlettsville by Rating Factor

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

Car Insurance Premiums by Age in Goodlettsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Goodlettsville,TN

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

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 Goodlettsville

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

Goodlettsville Car Insurance Rates by Violation

Goodlettsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Goodlettsville after a DUI

Goodlettsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Goodlettsville after Speeding ticket

Car Insurance Price Trends in Goodlettsville, Tennessee

Average Car Insurance Cost in Goodlettsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Goodlettsville, TN

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

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