Cheapest Car Insurance Quotes in La Grange

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La Grange Car Insurance

^$ 28

/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 La Grange

The car insurance rate in La Grange is $1071 for a six-month policy, which is $193 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in La Grange 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 La Grange

$1071

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in La Grange

1st place: AutoOwners Insurance Co

At $522 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 $550 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 $587 for six months, making it the third cheapest auto insurance company in La Grange.

La Grange Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Grange, TN is AutoOwners Insurance Co, offering policies at just $522 for a six-month term. This is followed by Westfield, which has an average six-month premium of $550.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1760 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Grange drivers find the best deals.

Cheap Car Insurance Companies in La Grange, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$522	$89
Westfield	$550	$92
Tennessee Farm Bureau	$587	$100
Erie	$819	$138
Travelers	$855	$144
USAA	$927	$156
Grange	$1008	$170
Farm Bureau of Tennessee	$1043	$174
Auto-Owners	$1072	$182
Farmers	$1159	$195
Tennessee Farmers	$1166	$199
Penn National	$1261	$210
Nationwide	$1398	$238
State Farm	$1413	$238
Progressive	$1609	$271
Allstate	$1760	$294

Key Takeaways

Way's key takeaways about car insurance in La Grange

The auto insurance costs in La Grange fall around $522 for six months.
The cheapest auto insurance company in La Grange is Westfield.
Teen drivers pay the highest rate in La Grange at $1097 per month.

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Cheapest Minimum Liability Car Insurance in La Grange

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 La Grange are given below.

Westfield provides the cheapest minimum car insurance coverage in La Grange. Their Average 6 Month Premium is $167. Allstate is the most expensive at $587 for the same period.

Cheapest Liability Coverage in La Grange, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Auto-Owners Insurance Co	$195	$33
Tennessee Farm Bureau	$203	$34
Farm Bureau of Tennessee	$210	$35
Tennessee Farmers	$239	$40
USAA	$239	$40
Cincinnati	$246	$41
Erie	$276	$46
Travelers	$276	$46
Penn National	$298	$50
Auto-Owners	$311	$52
Farmers	$340	$57
State Farm	$355	$60
Progressive	$399	$67
Allstate	$587	$99

Cheapest Full Coverage Car Insurance in La Grange

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 La Grange is AutoOwners Insurance Co at $89 per month and $522 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Grange, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$522	$89
Westfield	$550	$92
Tennessee Farm Bureau	$587	$100
Erie	$819	$138
Travelers	$855	$144
USAA	$927	$156
Grange	$1008	$170
Farm Bureau of Tennessee	$1043	$174
Auto-Owners	$1072	$182
Farmers	$1159	$195
Tennessee Farmers	$1166	$199
Penn National	$1261	$210
Nationwide	$1398	$238
State Farm	$1413	$238
Progressive	$1609	$271
Allstate	$1760	$294

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Average Car Insurance in La Grange 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 La Grange, TN increasing?

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

Car Insurance Premiums by Age in La Grange

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 La Grange,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the La Grange at $33 per month. At $6450 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$195	$33
Tennessee Farm Bureau	$276	$46
Auto-Owners Insurance Co	$290	$49
Grange	$311	$52
Cincinnati	$318	$54
Erie	$1072	$181
USAA	$1072	$181
Travelers	$1131	$190
State Farm	$1710	$288
Farmers	$1957	$329
Progressive	$2891	$487
Auto-Owners	$3717	$620
Allstate	$6450	$1097

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 La Grange, Tennessee Farm Bureau is the cheapest car insurance provider. At $232 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 La Grange is State Farm, offering rates of around $6073 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$232	$39
Westfield	$304	$51
Grange	$362	$61
Cincinnati	$427	$73
Travelers	$1087	$183
Farmers	$1254	$211
USAA	$1282	$214
Progressive	$1442	$243
Erie	$1471	$248
Auto-Owners	$2834	$482
Allstate	$3066	$511
State Farm	$6073	$1032

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

Car Insurance Rates with An Accident in La Grange

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

Cheapest Car Insurance Companies after an At-Fault Accident in La Grange

The cheapest car insurance companies after an at-fault accident in La Grange include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $203 and $210, respectively. Allstate is an expensive provider with an average six-month premium of $3515.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$203	$34
Farm Bureau of Tennessee	$210	$35
Westfield	$283	$48
Auto-Owners Insurance Co	$362	$62
Grange	$392	$65
Travelers	$601	$101
Erie	$660	$111
USAA	$673	$113
State Farm	$717	$121
Farmers	$819	$138
Progressive	$1254	$211
Auto-Owners	$1826	$311
Allstate	$3515	$586

La Grange Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Grange TN. For example, the car insurance in La Grange after a DUI increases to $1210 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

La Grange auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1210	$201
Not-at-fault accident	$1218	$207
One Med/PIP claim	$1225	$204
One comp claim	$1240	$211
Two comp claims	$1254	$209
Two Med/PIP claims	$1254	$214
Failure to wear a seat belt	$1391	$232
Failure to show documents	$1413	$240
Child safety restraint	$1420	$237
Driving without lights	$1420	$242
Cell phone violation	$1442	$240
Driving with expired registration	$1442	$245
Speeding 6 - 10 MPH over limit	$1442	$240
Driving too slowly	$1449	$246
Speeding 11 - 15 MPH over limit	$1449	$242
Speeding in school zone	$1449	$246
Failure to yield	$1457	$243
Following too closely	$1457	$248
Illegal turn	$1457	$243
Speeding 16 - 20 MPH over limit	$1457	$248
Texting while driving	$1457	$243
Improper passing	$1471	$250
Wrong way/wrong lane	$1471	$245
Failure to stop at a red light	$1479	$251
In 65 MPH zone	$1501	$250
Speeding 21 - 25 MPH over limit	$1536	$261
At-fault accident - less than $1000	$1558	$260
Passing school bus	$1558	$265
Operating a vehicle without permission	$1652	$276
Open container	$1667	$283
At-fault accident - $1000-$2000	$1797	$300
At-fault accident - greater than $2000	$1797	$305
Reckless driving	$2268	$378
Racing	$2275	$387
Driving with a suspended license	$2334	$389
Refusal to submit to a chemical test	$2377	$404
DUI	$2420	$404
Leaving scene of an accident/hit and run	$2420	$411

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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 La Grange 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 La Grange.

The cheapest car insurance premiums in La Grange are offered by Tennessee Farm Bureau at $318 for a six-month policy. However, it can be as expensive as $2551 with companies like AutoOwners.

La Grange car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$318	$54
Grange	$493	$82
Travelers	$841	$142
Farmers	$964	$162
USAA	$1146	$193
Erie	$1188	$200
Progressive	$1196	$201
Tennessee Farmers	$1405	$234
State Farm	$1420	$239
Allstate	$2181	$367
Auto-Owners	$2551	$434

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 La Grange are offered by Westfield at $195. However, it can be as expensive as $2573 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in La Grange after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$195	$33
Tennessee Farm Bureau	$203	$34
Auto-Owners Insurance Co	$283	$48
Cincinnati	$298	$50
Chubb	$326	$55
Erie	$703	$118
Travelers	$833	$140
USAA	$855	$145
State Farm	$927	$156
Auto-Owners	$1072	$182
Progressive	$1341	$226
Farmers	$1826	$311
Allstate	$2573	$428

Car Insurance Price Trends in La Grange, Tennessee

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

The average cost of full coverage in the La Grange rose by $212 in January compared to $117 of December. In other words, there has been an increase by $95 when you compare January and December.

The average cost of liability insurance in the La Grange rose to $51 in January, compared to $45 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in La Grange?

The car insurance in La Grange is $28 per month, which is lower than the national average.

What is the cheapest car insurance in La Grange?

The cheapest car insurance in La Grange is $89 per month for full coverage.

How much is car insurance in La Grange for teenagers?

Car insurance for teenagers costs $195 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 La Grange?

The average cost of car insurance is $878 for a six-month policy. It will cost around $181 per month to insure your car in La Grange.

Is car insurance expensive in La Grange?

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

Cheapest Car Insurance Quotes in La Grange

Why you can trust Way?

How Much Is Car Insurance in La Grange

Avg. Car Insurance in La Grange

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in La Grange

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

La Grange Car Insurance Rates by Company

Cheap Car Insurance Companies in La Grange, TN

Way's key takeaways about car insurance in La Grange

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in La Grange

Cheapest Liability Coverage in La Grange, TN

Cheapest Full Coverage Car Insurance in La Grange

Cheapest Full Coverage Car Insurance Quotes in La Grange, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in La Grange by Rating Factor

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

Car Insurance Premiums by Age in La Grange

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in La Grange,TN

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

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 La Grange

Cheapest Car Insurance Companies after an At-Fault Accident in La Grange

La Grange Car Insurance Rates by Violation

La Grange auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in La Grange after a DUI

La Grange car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in La Grange after Speeding ticket

Car Insurance Price Trends in La Grange, Tennessee

Average Car Insurance Cost in La Grange by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near La Grange, TN

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

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