Cheapest Car Insurance Quotes in Hunter

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Hunter Car Insurance

^$ 19

/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 Hunter

The car insurance rate in Hunter is $738 for a six-month policy, which is $140 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $360, making it a popular choice for budget-conscious drivers. Rates in Hunter 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 Hunter

$738

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Hunter

1st place: AutoOwners Insurance Co

At $360 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $379 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Tennessee Farm Bureau

Tennessee Farm Bureau offers auto insurance rates at $404 for six months, making it the third cheapest auto insurance company in Hunter.

Hunter Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hunter, TN is AutoOwners Insurance Co, offering policies at just $360 for a six-month term. This is followed by Westfield, which has an average six-month premium of $379.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1212 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hunter drivers find the best deals.

Cheap Car Insurance Companies in Hunter, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$360	$61
Westfield	$379	$63
Tennessee Farm Bureau	$404	$69
Erie	$564	$95
Travelers	$589	$99
USAA	$638	$108
Grange	$694	$117
Farm Bureau of Tennessee	$718	$120
Auto-Owners	$738	$125
Farmers	$798	$134
Tennessee Farmers	$803	$137
Penn National	$869	$144
Nationwide	$963	$164
State Farm	$973	$164
Progressive	$1108	$186
Allstate	$1212	$202

Key Takeaways

Way's key takeaways about car insurance in Hunter

The auto insurance costs in Hunter fall around $360 for six months.
The cheapest auto insurance company in Hunter is Westfield.
Teen drivers pay the highest rate in Hunter at $755 per month.

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

Cheapest Minimum Liability Car Insurance in Hunter

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 Hunter are given below.

Westfield provides the cheapest minimum car insurance coverage in Hunter. Their Average 6 Month Premium is $115. Allstate is the most expensive at $404 for the same period.

Cheapest Liability Coverage in Hunter, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$115	$19
Auto-Owners Insurance Co	$134	$23
Tennessee Farm Bureau	$139	$24
Farm Bureau of Tennessee	$144	$24
Tennessee Farmers	$165	$28
USAA	$165	$28
Cincinnati	$170	$29
Erie	$190	$32
Travelers	$190	$32
Penn National	$205	$34
Auto-Owners	$214	$36
Farmers	$234	$39
State Farm	$244	$41
Progressive	$275	$46
Allstate	$404	$68

Cheapest Full Coverage Car Insurance in Hunter

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 Hunter is AutoOwners Insurance Co at $61 per month and $360 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hunter, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$360	$61
Westfield	$379	$63
Tennessee Farm Bureau	$404	$69
Erie	$564	$95
Travelers	$589	$99
USAA	$638	$108
Grange	$694	$117
Farm Bureau of Tennessee	$718	$120
Auto-Owners	$738	$125
Farmers	$798	$134
Tennessee Farmers	$803	$137
Penn National	$869	$144
Nationwide	$963	$164
State Farm	$973	$164
Progressive	$1108	$186
Allstate	$1212	$202

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Average Car Insurance in Hunter 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 Hunter, TN increasing?

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

Car Insurance Premiums by Age in Hunter

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

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Cheapest Car Insurance Rates for Teen Drivers in Hunter,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hunter at $23 per month. At $4441 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$23
Tennessee Farm Bureau	$190	$32
Auto-Owners Insurance Co	$200	$34
Grange	$214	$36
Cincinnati	$219	$37
Erie	$738	$124
USAA	$738	$124
Travelers	$779	$131
State Farm	$1178	$198
Farmers	$1347	$227
Progressive	$1991	$335
Auto-Owners	$2559	$427
Allstate	$4441	$755

Teen Car Insurance Rates in TN by Age

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 Hunter, Tennessee Farm Bureau is the cheapest car insurance provider. At $160 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 Hunter is State Farm, offering rates of around $4182 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$160	$27
Westfield	$209	$35
Grange	$249	$42
Cincinnati	$294	$50
Travelers	$748	$126
Farmers	$864	$145
USAA	$883	$147
Progressive	$993	$167
Erie	$1013	$171
Auto-Owners	$1951	$332
Allstate	$2111	$352
State Farm	$4182	$711

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Car Insurance Rates with An Accident in Hunter

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

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

The cheapest car insurance companies after an at-fault accident in Hunter include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $139 and $144, respectively. Allstate is an expensive provider with an average six-month premium of $2420.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$139	$24
Farm Bureau of Tennessee	$144	$24
Westfield	$195	$33
Auto-Owners Insurance Co	$249	$43
Grange	$270	$45
Travelers	$414	$70
Erie	$454	$76
USAA	$464	$78
State Farm	$494	$83
Farmers	$564	$95
Progressive	$864	$145
Auto-Owners	$1257	$214
Allstate	$2420	$403

Hunter Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hunter TN. For example, the car insurance in Hunter after a DUI increases to $834 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Hunter auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$833	$139
Not-at-fault accident	$838	$143
One Med/PIP claim	$843	$140
One comp claim	$853	$145
Two comp claims	$864	$144
Two Med/PIP claims	$864	$147
Failure to wear a seat belt	$958	$160
Failure to show documents	$973	$165
Child safety restraint	$978	$163
Driving without lights	$978	$166
Cell phone violation	$993	$165
Driving with expired registration	$993	$169
Speeding 6 - 10 MPH over limit	$993	$165
Driving too slowly	$998	$170
Speeding 11 - 15 MPH over limit	$998	$166
Speeding in school zone	$998	$170
Failure to yield	$1003	$167
Following too closely	$1003	$171
Illegal turn	$1003	$167
Speeding 16 - 20 MPH over limit	$1003	$171
Texting while driving	$1003	$167
Improper passing	$1013	$172
Wrong way/wrong lane	$1013	$169
Failure to stop at a red light	$1018	$173
In 65 MPH zone	$1033	$172
Speeding 21 - 25 MPH over limit	$1058	$180
At-fault accident - less than $1000	$1073	$179
Passing school bus	$1073	$182
Operating a vehicle without permission	$1137	$190
Open container	$1147	$195
At-fault accident - $1000-$2000	$1237	$207
At-fault accident - greater than $2000	$1237	$210
Reckless driving	$1562	$260
Racing	$1567	$266
Driving with a suspended license	$1607	$268
Refusal to submit to a chemical test	$1636	$278
DUI	$1667	$278
Leaving scene of an accident/hit and run	$1667	$283

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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 Hunter 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 Hunter.

The cheapest car insurance premiums in Hunter are offered by Tennessee Farm Bureau at $219 for a six-month policy. However, it can be as expensive as $1756 with companies like AutoOwners.

Hunter car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$219	$37
Grange	$339	$56
Travelers	$579	$97
Farmers	$664	$112
USAA	$789	$133
Erie	$818	$138
Progressive	$823	$139
Tennessee Farmers	$968	$161
State Farm	$978	$165
Allstate	$1502	$253
Auto-Owners	$1756	$299

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 Hunter are offered by Westfield at $134. However, it can be as expensive as $1772 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hunter after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$23
Tennessee Farm Bureau	$139	$24
Auto-Owners Insurance Co	$195	$33
Cincinnati	$205	$34
Chubb	$224	$38
Erie	$484	$81
Travelers	$574	$97
USAA	$589	$100
State Farm	$638	$108
Auto-Owners	$738	$125
Progressive	$923	$155
Farmers	$1257	$214
Allstate	$1772	$295

Car Insurance Price Trends in Hunter, Tennessee

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

The average cost of full coverage in the Hunter rose by $146 in January compared to $81 of December. In other words, there has been an increase by $65 when you compare January and December.

The average cost of liability insurance in the Hunter rose to $35 in January, compared to $31 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hunter?

The car insurance in Hunter is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Hunter?

The cheapest car insurance in Hunter is $61 per month for full coverage.

How much is car insurance in Hunter for teenagers?

Car insurance for teenagers costs $134 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 Hunter?

The average cost of car insurance is $878 for a six-month policy. It will cost around $124 per month to insure your car in Hunter.

Is car insurance expensive in Hunter?

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

Cheapest Car Insurance Quotes in Hunter

Why you can trust Way?

How Much Is Car Insurance in Hunter

Avg. Car Insurance in Hunter

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Hunter

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Hunter Car Insurance Rates by Company

Cheap Car Insurance Companies in Hunter, TN

Way's key takeaways about car insurance in Hunter

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hunter

Cheapest Liability Coverage in Hunter, TN

Cheapest Full Coverage Car Insurance in Hunter

Cheapest Full Coverage Car Insurance Quotes in Hunter, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hunter by Rating Factor

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

Car Insurance Premiums by Age in Hunter

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hunter,TN

If you are in your twenties N/A is the best choice for car insurance in Hunter.

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 Hunter

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

Hunter Car Insurance Rates by Violation

Hunter auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hunter after a DUI

Hunter car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hunter after Speeding ticket

Car Insurance Price Trends in Hunter, Tennessee

Average Car Insurance Cost in Hunter by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hunter, TN

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

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