Cheapest Car Insurance Quotes in Kingston Springs

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Kingston Springs Car Insurance

^$ 24

/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 Kingston Springs

The car insurance rate in Kingston Springs is $857 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Kingston Springs 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 Kingston Springs

$857

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Kingston Springs

1st place: AutoOwners Insurance Co

At $449 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 $474 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $474 for six months, making it the third cheapest auto insurance company in Kingston Springs.

Kingston Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kingston Springs, TN is AutoOwners Insurance Co, offering policies at just $449 for a six-month term. This is followed by Erie, which has an average six-month premium of $474.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1434 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kingston Springs drivers find the best deals.

Cheap Car Insurance Companies in Kingston Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$75
Erie	$474	$81
Westfield	$474	$79
Tennessee Farm Bureau	$505	$86
Travelers	$705	$119
Farmers	$855	$144
USAA	$861	$145
Grange	$867	$146
Farm Bureau of Tennessee	$898	$150
Tennessee Farmers	$1004	$171
Penn National	$1086	$181
State Farm	$1185	$202
Nationwide	$1203	$201
Progressive	$1434	$244

Key Takeaways

Way's key takeaways about car insurance in Kingston Springs

The auto insurance costs in Kingston Springs fall around $449 for six months.
The cheapest auto insurance company in Kingston Springs is Westfield.
Teen drivers pay the highest rate in Kingston Springs at $50 per month.

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

Cheapest Minimum Liability Car Insurance in Kingston Springs

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 Kingston Springs are given below.

Westfield provides the cheapest minimum car insurance coverage in Kingston Springs. Their Average 6 Month Premium is $144. AutoOwners is the most expensive at $206 for the same period.

Cheapest Liability Coverage in Kingston Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Auto-Owners Insurance Co	$168	$28
Tennessee Farm Bureau	$174	$29
Farm Bureau of Tennessee	$181	$30
Tennessee Farmers	$206	$35
USAA	$206	$35
Cincinnati	$212	$36
Erie	$225	$38
Travelers	$225	$38
Farmers	$237	$40
Penn National	$256	$43
Progressive	$280	$47
State Farm	$280	$47
Allstate	$456	$78
Auto-Owners	$206	$35

Cheapest Full Coverage Car Insurance in Kingston Springs

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 Kingston Springs is AutoOwners Insurance Co at $75 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kingston Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$75
Erie	$474	$81
Westfield	$474	$79
Tennessee Farm Bureau	$505	$86
Travelers	$705	$119
Farmers	$855	$144
USAA	$861	$145
Grange	$867	$146
Farm Bureau of Tennessee	$898	$150
Tennessee Farmers	$1004	$171
Penn National	$1086	$181
State Farm	$1185	$202
Nationwide	$1203	$201
Progressive	$1434	$244

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Average Car Insurance in Kingston Springs 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 Kingston Springs, TN increasing?

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

Car Insurance Premiums by Age in Kingston Springs

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	$636
30s	Penn National	$438
40s	Penn National	$397
50s	Penn National	$368
60s	Penn National	$385
70s	Penn National	$443

Cheapest Car Insurance Rates for Teen Drivers in Kingston Springs,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Kingston Springs at $28 per month. At $299 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$168	$28
USAA	$200	$34
Tennessee Farm Bureau	$237	$40
Travelers	$237	$40
Auto-Owners Insurance Co	$250	$42
Farmers	$268	$45
Grange	$268	$45
Progressive	$268	$45
Cincinnati	$274	$46
Erie	$274	$46
State Farm	$299	$50

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 Kingston Springs.

As young drivers face the highest rates in Kingston Springs, Penn National offers the cheapest auto insurance rates at $636 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 Kingston Springs, Tennessee Farm Bureau is the cheapest car insurance provider. At $200 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 Kingston Springs is Erie, offering rates of around $393 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$200	$34
Westfield	$261	$44
Grange	$312	$54
Farmers	$337	$56
Progressive	$337	$58
Travelers	$337	$56
Cincinnati	$368	$63
Erie	$393	$65

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Car Insurance Rates with An Accident in Kingston Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Kingston Springs

The cheapest car insurance companies after an at-fault accident in Kingston Springs include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $174 and $181, respectively. Grange is an expensive provider with an average six-month premium of $337.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$174	$29
Farm Bureau of Tennessee	$181	$30
Westfield	$244	$41
USAA	$261	$44
Farmers	$268	$45
Travelers	$274	$46
Progressive	$287	$48
Erie	$306	$51
State Farm	$306	$51
Auto-Owners Insurance Co	$312	$54
Grange	$337	$56

Kingston Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kingston Springs TN. For example, the car insurance in Kingston Springs after a DUI increases to $1041 for a six month policy. While the rate increases by $199 for a six-month policy in the case of a speeding ticket.

Kingston Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
Not-at-fault accident	$1048	$179
One Med/PIP claim	$1054	$175
One comp claim	$1067	$182
Two comp claims	$1079	$180
Two Med/PIP claims	$1079	$184
Failure to wear a seat belt	$1197	$200
Failure to show documents	$1216	$207
Child safety restraint	$1222	$204
Driving without lights	$1222	$208
Cell phone violation	$1241	$207
Driving with expired registration	$1241	$211
Speeding 6 - 10 MPH over limit	$1241	$207
Driving too slowly	$1247	$212
Speeding 11 - 15 MPH over limit	$1247	$208
Speeding in school zone	$1247	$212
Failure to yield	$1254	$209
Following too closely	$1254	$213
Illegal turn	$1254	$209
Speeding 16 - 20 MPH over limit	$1254	$213
Texting while driving	$1254	$209
Improper passing	$1266	$215
Wrong way/wrong lane	$1266	$211
Failure to stop at a red light	$1273	$216
In 65 MPH zone	$1292	$215
Speeding 21 - 25 MPH over limit	$1322	$225
At-fault accident - less than $1000	$1341	$224
Passing school bus	$1341	$228
Operating a vehicle without permission	$1422	$237
Open container	$1434	$244
At-fault accident - $1000-$2000	$1547	$258
At-fault accident - greater than $2000	$1547	$263
Reckless driving	$1952	$326
Racing	$1958	$333
Driving with a suspended license	$2009	$335
Refusal to submit to a chemical test	$2045	$348
DUI	$2083	$348
Leaving scene of an accident/hit and run	$2083	$354

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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 Kingston Springs 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 Kingston Springs.

The cheapest car insurance premiums in Kingston Springs are offered by Tennessee Farm Bureau at $274 for a six-month policy. However, it can be as expensive as $1721 with companies like Allstate.

Kingston Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$274	$46
Farmers	$318	$54
Erie	$324	$56
Grange	$424	$70
Travelers	$524	$88
State Farm	$755	$127
Progressive	$785	$132
USAA	$891	$150
Tennessee Farmers	$1210	$206
Allstate	$1721	$287

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 Kingston Springs are offered by Westfield at $168. However, it can be as expensive as $287 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Kingston Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$168	$28
Tennessee Farm Bureau	$174	$29
Erie	$200	$34
Auto-Owners Insurance Co	$244	$41
State Farm	$244	$41
Cincinnati	$256	$43
Travelers	$274	$46
Chubb	$280	$47
Progressive	$287	$48

Car Insurance Price Trends in Kingston Springs, Tennessee

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

The average cost of full coverage in the Kingston Springs remained steady at $101 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kingston Springs remained steady at $39 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 Kingston Springs?

The car insurance in Kingston Springs is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Kingston Springs?

The cheapest car insurance in Kingston Springs is $75 per month for full coverage.

How much is car insurance in Kingston Springs for teenagers?

Car insurance for teenagers costs $168 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 Kingston Springs?

The average cost of car insurance is $816 for a six-month policy. It will cost around $144 per month to insure your car in Kingston Springs.

Is car insurance expensive in Kingston Springs?

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

Cheapest Car Insurance Quotes in Kingston Springs

Why you can trust Way?

How Much Is Car Insurance in Kingston Springs

Avg. Car Insurance in Kingston Springs

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Kingston Springs

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Kingston Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Kingston Springs, TN

Way's key takeaways about car insurance in Kingston Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kingston Springs

Cheapest Liability Coverage in Kingston Springs, TN

Cheapest Full Coverage Car Insurance in Kingston Springs

Cheapest Full Coverage Car Insurance Quotes in Kingston Springs, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kingston Springs by Rating Factor

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

Car Insurance Premiums by Age in Kingston Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kingston Springs,TN

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

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 Kingston Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Kingston Springs

Kingston Springs Car Insurance Rates by Violation

Kingston Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kingston Springs after a DUI

Kingston Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kingston Springs after Speeding ticket

Car Insurance Price Trends in Kingston Springs, Tennessee

Average Car Insurance Cost in Kingston Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kingston Springs, TN

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

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