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Finding the cheapest car insurance quotes in Hermitage shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Hermitage
The car insurance rate in Hermitage is $906 for a six-month policy, which is $90 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Hermitage 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.
At $475 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 $501 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $501
for six months, making it
the third cheapest auto insurance company in Hermitage.
Hermitage Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hermitage, TN is AutoOwners Insurance Co, offering policies at just $475 for a six-month term. This is followed by Erie, which has an average six-month premium of $501.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1516 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hermitage drivers find the best deals.
Way's key takeaways about car insurance in Hermitage
The auto insurance costs in Hermitage fall around $475 for six
months.
The cheapest auto insurance company in Hermitage is Westfield.
Teen drivers pay the highest rate in Hermitage at $53 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 Hermitage
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 Hermitage are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Hermitage. Their Average 6 Month Premium is $152.
AutoOwners is the most
expensive at $218 for the same
period.
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 Hermitage is AutoOwners Insurance Co
at $79 per month and $475
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hermitage,
TN
Get Your Car Insurance Quote in Hermitage
Instantly!
Average Car Insurance in Hermitage 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 Hermitage, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hermitage, 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, Hermitage's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hermitage
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
$673
30s
Penn National
$463
40s
Penn National
$420
50s
Penn National
$389
60s
Penn National
$407
70s
Penn National
$468
Cheapest Car Insurance Rates for Teen Drivers in
Hermitage,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Hermitage at $30
per
month. At $316 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties Penn National is
the best choice for car
insurance in Hermitage.
As young drivers face the highest rates in Hermitage, Penn National
offers the cheapest auto insurance rates at $673 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 Hermitage,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $211 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
Hermitage is Erie, offering
rates of around $415 for six
months.
Save up to $971/yr on car insurance rates in Hermitage.
Car Insurance Rates with An Accident in Hermitage
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 Hermitage, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hermitage
The cheapest car insurance companies after an at-fault accident in
Hermitage include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $184
and $191,
respectively. Grange is an expensive provider
with an average six-month premium of
$356.
Here is a list of driving violations that can increase your car
insurance rates in Hermitage TN. For example, the car
insurance in Hermitage
after a DUI increases to $1101 for a six
month policy. While the rate increases by $211 for a six-month policy in the case of
a speeding ticket.
Hermitage auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1101
$183
Not-at-fault accident
$1108
$189
One Med/PIP claim
$1114
$185
One comp claim
$1128
$192
Two comp claims
$1141
$190
Two Med/PIP claims
$1141
$194
Failure to wear a seat belt
$1265
$211
Failure to show documents
$1285
$219
Child safety restraint
$1292
$215
Driving without lights
$1292
$220
Cell phone violation
$1312
$219
Driving with expired registration
$1312
$223
Speeding 6 - 10 MPH over limit
$1312
$219
Driving too slowly
$1319
$224
Speeding 11 - 15 MPH over limit
$1319
$220
Speeding in school zone
$1319
$224
Failure to yield
$1325
$221
Following too closely
$1325
$225
Illegal turn
$1325
$221
Speeding 16 - 20 MPH over limit
$1325
$225
Texting while driving
$1325
$221
Improper passing
$1339
$228
Wrong way/wrong lane
$1339
$223
Failure to stop at a red light
$1345
$229
In 65 MPH zone
$1365
$228
Speeding 21 - 25 MPH over limit
$1397
$238
At-fault accident - less than $1000
$1417
$236
Passing school bus
$1417
$241
Operating a vehicle without permission
$1503
$251
Open container
$1516
$258
At-fault accident - $1000-$2000
$1635
$273
At-fault accident - greater than $2000
$1635
$278
Reckless driving
$2063
$344
Racing
$2070
$352
Driving with a suspended license
$2123
$354
Refusal to submit to a chemical test
$2162
$367
DUI
$2202
$367
Leaving scene of an accident/hit and run
$2202
$374
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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 Hermitage 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 Hermitage.
The cheapest car insurance premiums in
Hermitage are
offered by Tennessee Farm Bureau at $290 for a six-month policy.
However, it can be as
expensive as $1819 with companies
like Allstate.
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 Hermitage are offered by Westfield
at $178. However,
it can be as expensive as $303
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Hermitage after Speeding ticket
Car Insurance Price Trends in Hermitage,
Tennessee
Car insurance rates in Hermitage have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hermitage remained steady at $107 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Hermitage remained steady at $41 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Hermitage by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hermitage. At $1811 for a
six-month policy, insuring
your car at 37076 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Hermitage?
The car insurance in Hermitage is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Hermitage?
The cheapest car insurance in Hermitage
is $79 per month
for full coverage.
How much is car insurance in Hermitage for teenagers?
Car insurance for teenagers costs $178 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
Hermitage?
The average cost of car insurance is $816 for a six-month
policy. It will cost around $152 per month to insure your
car in Hermitage.
Is car insurance expensive in Hermitage?
Car insurance can be expensive in Hermitage if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hermitage can be
affordable.
What is the best car insurance in Hermitage,
TN?
The best car insurance company in Hermitage
TN is
AutoOwners Insurance Co, offering $475 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hermitage, TN
Car Insurance Rates by State in the USA (2025 Update)
Hermitage Car Insurance
