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Finding the cheapest car insurance quotes in Limestone 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 Limestone
The car insurance rate in Limestone is $718 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, making it a popular choice for budget-conscious drivers. Rates in Limestone 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 $377 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 $397 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $397
for six months, making it
the third cheapest auto insurance company in Limestone.
Limestone Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Limestone, TN is AutoOwners Insurance Co, offering policies at just $377 for a six-month term. This is followed by Erie, which has an average six-month premium of $397.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1202 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Limestone drivers find the best deals.
Way's key takeaways about car insurance in Limestone
The auto insurance costs in Limestone fall around $377 for six
months.
The cheapest auto insurance company in Limestone is Westfield.
Teen drivers pay the highest rate in Limestone at $42 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 Limestone
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 Limestone are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Limestone. Their Average 6 Month Premium is $121.
AutoOwners is the most
expensive at $172 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 Limestone is AutoOwners Insurance Co
at $62 per month and $377
for six months.
Cheapest Full Coverage Car Insurance Quotes in Limestone,
TN
Get Your Car Insurance Quote in Limestone
Instantly!
Average Car Insurance in Limestone 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 Limestone, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Limestone, 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, Limestone's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Limestone
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
$533
30s
Penn National
$367
40s
Penn National
$333
50s
Penn National
$308
60s
Penn National
$323
70s
Penn National
$371
Cheapest Car Insurance Rates for Teen Drivers in
Limestone,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Limestone at $24
per
month. At $251 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 Limestone.
As young drivers face the highest rates in Limestone, Penn National
offers the cheapest auto insurance rates at $533 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 Limestone,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $167 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
Limestone is Erie, offering
rates of around $329 for six
months.
Save up to $971/yr on car insurance rates in Limestone.
Car Insurance Rates with An Accident in Limestone
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 Limestone, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Limestone
The cheapest car insurance companies after an at-fault accident in
Limestone include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $146
and $151,
respectively. Grange is an expensive provider
with an average six-month premium of
$282.
Here is a list of driving violations that can increase your car
insurance rates in Limestone TN. For example, the car
insurance in Limestone
after a DUI increases to $873 for a six
month policy. While the rate increases by $167 for a six-month policy in the case of
a speeding ticket.
Limestone auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$873
$145
Not-at-fault accident
$878
$150
One Med/PIP claim
$884
$147
One comp claim
$894
$152
Two comp claims
$905
$150
Two Med/PIP claims
$905
$154
Failure to wear a seat belt
$1003
$167
Failure to show documents
$1019
$173
Child safety restraint
$1024
$171
Driving without lights
$1024
$174
Cell phone violation
$1040
$173
Driving with expired registration
$1040
$177
Speeding 6 - 10 MPH over limit
$1040
$173
Driving too slowly
$1045
$178
Speeding 11 - 15 MPH over limit
$1045
$174
Speeding in school zone
$1045
$178
Failure to yield
$1051
$175
Following too closely
$1051
$179
Illegal turn
$1051
$175
Speeding 16 - 20 MPH over limit
$1051
$179
Texting while driving
$1051
$175
Improper passing
$1061
$180
Wrong way/wrong lane
$1061
$177
Failure to stop at a red light
$1067
$181
In 65 MPH zone
$1082
$180
Speeding 21 - 25 MPH over limit
$1108
$188
At-fault accident - less than $1000
$1124
$187
Passing school bus
$1124
$191
Operating a vehicle without permission
$1192
$199
Open container
$1202
$204
At-fault accident - $1000-$2000
$1296
$216
At-fault accident - greater than $2000
$1296
$220
Reckless driving
$1636
$273
Racing
$1641
$279
Driving with a suspended license
$1683
$281
Refusal to submit to a chemical test
$1714
$291
DUI
$1746
$291
Leaving scene of an accident/hit and run
$1746
$297
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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 Limestone 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 Limestone.
The cheapest car insurance premiums in
Limestone are
offered by Tennessee Farm Bureau at $230 for a six-month policy.
However, it can be as
expensive as $1442 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 Limestone are offered by Westfield
at $141. However,
it can be as expensive as $240
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Limestone after Speeding ticket
Car Insurance Price Trends in Limestone,
Tennessee
Car insurance rates in Limestone have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Limestone remained steady at $84 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Limestone remained steady at $33 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Limestone 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
Limestone. At $1436 for a
six-month policy, insuring
your car at 37681 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 Limestone?
The car insurance in Limestone is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Limestone?
The cheapest car insurance in Limestone
is $62 per month
for full coverage.
How much is car insurance in Limestone for teenagers?
Car insurance for teenagers costs $141 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
Limestone?
The average cost of car insurance is $816 for a six-month
policy. It will cost around $121 per month to insure your
car in Limestone.
Is car insurance expensive in Limestone?
Car insurance can be expensive in Limestone if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Limestone can be
affordable.
What is the best car insurance in Limestone,
TN?
The best car insurance company in Limestone
TN is
AutoOwners Insurance Co, offering $377 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Limestone, TN
Car Insurance Rates by State in the USA (2025 Update)
Limestone Car Insurance
