Cheapest Car Insurance Quotes in Henning

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Henning 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 Henning

The car insurance rate in Henning is $873 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, making it a popular choice for budget-conscious drivers. Rates in Henning 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 Henning

$873

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Henning

1st place: AutoOwners Insurance Co

At $458 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 $483 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $483 for six months, making it the third cheapest auto insurance company in Henning.

Henning Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Henning, TN is AutoOwners Insurance Co, offering policies at just $458 for a six-month term. This is followed by Erie, which has an average six-month premium of $483.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1462 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Henning drivers find the best deals.

Cheap Car Insurance Companies in Henning, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$458	$76
Erie	$483	$82
Westfield	$483	$80
Tennessee Farm Bureau	$515	$88
Travelers	$718	$121
Farmers	$871	$147
USAA	$877	$148
Grange	$884	$149
Farm Bureau of Tennessee	$915	$153
Tennessee Farmers	$1023	$174
Penn National	$1106	$184
State Farm	$1208	$205
Nationwide	$1226	$204
Progressive	$1462	$248

Key Takeaways

Way's key takeaways about car insurance in Henning

The auto insurance costs in Henning fall around $458 for six months.
The cheapest auto insurance company in Henning is Westfield.
Teen drivers pay the highest rate in Henning at $51 per month.

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Cheapest Minimum Liability Car Insurance in Henning

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 Henning are given below.

Westfield provides the cheapest minimum car insurance coverage in Henning. Their Average 6 Month Premium is $147. AutoOwners is the most expensive at $210 for the same period.

Cheapest Liability Coverage in Henning, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
Auto-Owners Insurance Co	$171	$29
Tennessee Farm Bureau	$178	$30
Farm Bureau of Tennessee	$184	$31
Tennessee Farmers	$210	$35
USAA	$210	$35
Cincinnati	$216	$36
Erie	$229	$39
Travelers	$229	$39
Farmers	$242	$41
Penn National	$261	$44
Progressive	$286	$48
State Farm	$286	$48
Allstate	$464	$79
Auto-Owners	$210	$35

Cheapest Full Coverage Car Insurance in Henning

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 Henning is AutoOwners Insurance Co at $76 per month and $458 for six months.

Cheapest Full Coverage Car Insurance Quotes in Henning, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$458	$76
Erie	$483	$82
Westfield	$483	$80
Tennessee Farm Bureau	$515	$88
Travelers	$718	$121
Farmers	$871	$147
USAA	$877	$148
Grange	$884	$149
Farm Bureau of Tennessee	$915	$153
Tennessee Farmers	$1023	$174
Penn National	$1106	$184
State Farm	$1208	$205
Nationwide	$1226	$204
Progressive	$1462	$248

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Average Car Insurance in Henning 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 Henning, TN increasing?

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

Car Insurance Premiums by Age in Henning

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	$648
30s	Penn National	$446
40s	Penn National	$404
50s	Penn National	$375
60s	Penn National	$393
70s	Penn National	$452

Cheapest Car Insurance Rates for Teen Drivers in Henning,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Henning at $29 per month. At $305 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
USAA	$203	$34
Tennessee Farm Bureau	$242	$41
Travelers	$242	$41
Auto-Owners Insurance Co	$255	$43
Farmers	$273	$46
Grange	$273	$46
Progressive	$273	$46
Cincinnati	$279	$47
Erie	$279	$47
State Farm	$305	$51

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 Henning.

As young drivers face the highest rates in Henning, Penn National offers the cheapest auto insurance rates at $648 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 Henning, Tennessee Farm Bureau is the cheapest car insurance provider. At $203 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 Henning is Erie, offering rates of around $400 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$203	$34
Westfield	$266	$45
Grange	$318	$55
Farmers	$343	$57
Progressive	$343	$59
Travelers	$343	$57
Cincinnati	$375	$64
Erie	$400	$66

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Car Insurance Rates with An Accident in Henning

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

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

The cheapest car insurance companies after an at-fault accident in Henning include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $178 and $184, respectively. Grange is an expensive provider with an average six-month premium of $343.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$178	$30
Farm Bureau of Tennessee	$184	$31
Westfield	$248	$42
USAA	$266	$45
Farmers	$273	$46
Travelers	$279	$47
Progressive	$292	$49
Erie	$311	$52
State Farm	$311	$52
Auto-Owners Insurance Co	$318	$55
Grange	$343	$57

Henning Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Henning TN. For example, the car insurance in Henning after a DUI increases to $1062 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Henning auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1061	$177
Not-at-fault accident	$1068	$182
One Med/PIP claim	$1074	$179
One comp claim	$1087	$185
Two comp claims	$1100	$183
Two Med/PIP claims	$1100	$187
Failure to wear a seat belt	$1220	$203
Failure to show documents	$1239	$211
Child safety restraint	$1245	$208
Driving without lights	$1245	$212
Cell phone violation	$1265	$211
Driving with expired registration	$1265	$215
Speeding 6 - 10 MPH over limit	$1265	$211
Driving too slowly	$1271	$216
Speeding 11 - 15 MPH over limit	$1271	$212
Speeding in school zone	$1271	$216
Failure to yield	$1278	$213
Following too closely	$1278	$217
Illegal turn	$1278	$213
Speeding 16 - 20 MPH over limit	$1278	$217
Texting while driving	$1278	$213
Improper passing	$1290	$219
Wrong way/wrong lane	$1290	$215
Failure to stop at a red light	$1297	$220
In 65 MPH zone	$1316	$219
Speeding 21 - 25 MPH over limit	$1347	$229
At-fault accident - less than $1000	$1366	$228
Passing school bus	$1366	$232
Operating a vehicle without permission	$1449	$242
Open container	$1462	$248
At-fault accident - $1000-$2000	$1576	$263
At-fault accident - greater than $2000	$1576	$268
Reckless driving	$1989	$332
Racing	$1996	$339
Driving with a suspended license	$2047	$341
Refusal to submit to a chemical test	$2084	$354
DUI	$2123	$354
Leaving scene of an accident/hit and run	$2123	$361

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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 Henning 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 Henning.

The cheapest car insurance premiums in Henning are offered by Tennessee Farm Bureau at $279 for a six-month policy. However, it can be as expensive as $1754 with companies like Allstate.

Henning car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$279	$47
Farmers	$324	$55
Erie	$331	$57
Grange	$432	$72
Travelers	$534	$90
State Farm	$769	$129
Progressive	$800	$135
USAA	$908	$153
Tennessee Farmers	$1233	$210
Allstate	$1754	$292

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 Henning are offered by Westfield at $171. However, it can be as expensive as $292 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Henning after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Tennessee Farm Bureau	$178	$30
Erie	$203	$34
Auto-Owners Insurance Co	$248	$42
State Farm	$248	$42
Cincinnati	$261	$44
Travelers	$279	$47
Chubb	$286	$48
Progressive	$292	$49

Car Insurance Price Trends in Henning, Tennessee

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

The average cost of full coverage in the Henning remained steady at $103 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Henning 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 Henning?

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

What is the cheapest car insurance in Henning?

The cheapest car insurance in Henning is $76 per month for full coverage.

How much is car insurance in Henning for teenagers?

Car insurance for teenagers costs $171 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 Henning?

The average cost of car insurance is $816 for a six-month policy. It will cost around $147 per month to insure your car in Henning.

Is car insurance expensive in Henning?

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

Cheapest Car Insurance Quotes in Henning

Why you can trust Way?

How Much Is Car Insurance in Henning

Avg. Car Insurance in Henning

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Henning

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Henning Car Insurance Rates by Company

Cheap Car Insurance Companies in Henning, TN

Way's key takeaways about car insurance in Henning

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Henning

Cheapest Liability Coverage in Henning, TN

Cheapest Full Coverage Car Insurance in Henning

Cheapest Full Coverage Car Insurance Quotes in Henning, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Henning by Rating Factor

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

Car Insurance Premiums by Age in Henning

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Henning,TN

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

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 Henning

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

Henning Car Insurance Rates by Violation

Henning auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Henning after a DUI

Henning car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Henning after Speeding ticket

Car Insurance Price Trends in Henning, Tennessee

Average Car Insurance Cost in Henning by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Henning, TN

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

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