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Finding the cheapest car insurance quotes in Lone Mountain 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 Lone Mountain
The car insurance rate in Lone Mountain is $783 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $411, making it a popular choice for budget-conscious drivers. Rates in Lone Mountain 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 $411 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 $433 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $433
for six months, making it
the third cheapest auto insurance company in Lone Mountain.
Lone Mountain Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lone Mountain, TN is AutoOwners Insurance Co, offering policies at just $411 for a six-month term. This is followed by Erie, which has an average six-month premium of $433.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1311 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lone Mountain drivers find the best deals.
Cheap Car Insurance Companies in Lone Mountain, TN
Way's key takeaways about car insurance in Lone Mountain
The auto insurance costs in Lone Mountain fall around $411 for six
months.
The cheapest auto insurance company in Lone Mountain is Westfield.
Teen drivers pay the highest rate in Lone Mountain at $46 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 Lone Mountain
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 Lone Mountain are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Lone Mountain. Their Average 6 Month Premium is $132.
AutoOwners is the most
expensive at $188 for the same
period.
Cheapest Full Coverage Car Insurance in Lone Mountain
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 Lone Mountain is AutoOwners Insurance Co
at $68 per month and $411
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lone Mountain,
TN
Get Your Car Insurance Quote in Lone Mountain
Instantly!
Average Car Insurance in Lone Mountain 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 Lone Mountain, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lone Mountain, 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, Lone Mountain's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lone Mountain
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
$582
30s
Penn National
$400
40s
Penn National
$363
50s
Penn National
$336
60s
Penn National
$352
70s
Penn National
$405
Cheapest Car Insurance Rates for Teen Drivers in
Lone Mountain,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Lone Mountain at $26
per
month. At $274 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 Lone Mountain.
As young drivers face the highest rates in Lone Mountain, Penn National
offers the cheapest auto insurance rates at $582 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 Lone Mountain,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $182 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
Lone Mountain is Erie, offering
rates of around $359 for six
months.
Save up to $971/yr on car insurance rates in Lone Mountain.
Car Insurance Rates with An Accident in Lone Mountain
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 Lone Mountain, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lone Mountain
The cheapest car insurance companies after an at-fault accident in
Lone Mountain include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $159
and $165,
respectively. Grange is an expensive provider
with an average six-month premium of
$308.
Here is a list of driving violations that can increase your car
insurance rates in Lone Mountain TN. For example, the car
insurance in Lone Mountain
after a DUI increases to $953 for a six
month policy. While the rate increases by $183 for a six-month policy in the case of
a speeding ticket.
Lone Mountain auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$952
$158
Not-at-fault accident
$958
$163
One Med/PIP claim
$964
$160
One comp claim
$975
$166
Two comp claims
$987
$164
Two Med/PIP claims
$987
$168
Failure to wear a seat belt
$1094
$182
Failure to show documents
$1112
$189
Child safety restraint
$1117
$186
Driving without lights
$1117
$190
Cell phone violation
$1135
$189
Driving with expired registration
$1135
$193
Speeding 6 - 10 MPH over limit
$1135
$189
Driving too slowly
$1140
$194
Speeding 11 - 15 MPH over limit
$1140
$190
Speeding in school zone
$1140
$194
Failure to yield
$1146
$191
Following too closely
$1146
$195
Illegal turn
$1146
$191
Speeding 16 - 20 MPH over limit
$1146
$195
Texting while driving
$1146
$191
Improper passing
$1158
$197
Wrong way/wrong lane
$1158
$193
Failure to stop at a red light
$1164
$198
In 65 MPH zone
$1181
$197
Speeding 21 - 25 MPH over limit
$1209
$205
At-fault accident - less than $1000
$1226
$204
Passing school bus
$1226
$208
Operating a vehicle without permission
$1300
$217
Open container
$1311
$223
At-fault accident - $1000-$2000
$1414
$236
At-fault accident - greater than $2000
$1414
$240
Reckless driving
$1785
$298
Racing
$1790
$304
Driving with a suspended license
$1836
$306
Refusal to submit to a chemical test
$1870
$318
DUI
$1905
$318
Leaving scene of an accident/hit and run
$1905
$324
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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 Lone Mountain 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 Lone Mountain.
The cheapest car insurance premiums in
Lone Mountain are
offered by Tennessee Farm Bureau at $251 for a six-month policy.
However, it can be as
expensive as $1573 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 Lone Mountain are offered by Westfield
at $154. However,
it can be as expensive as $262
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Lone Mountain after Speeding ticket
Car Insurance Price Trends in Lone Mountain,
Tennessee
Car insurance rates in Lone Mountain have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lone Mountain remained steady at $92 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lone Mountain remained steady at $36 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Lone Mountain 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
Lone Mountain. At $N/A for a
six-month policy, insuring
your car at N/A 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 Lone Mountain?
The car insurance in Lone Mountain is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Lone Mountain?
The cheapest car insurance in Lone Mountain
is $68 per month
for full coverage.
How much is car insurance in Lone Mountain for teenagers?
Car insurance for teenagers costs $154 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
Lone Mountain?
The average cost of car insurance is $816 for a six-month
policy. It will cost around $132 per month to insure your
car in Lone Mountain.
Is car insurance expensive in Lone Mountain?
Car insurance can be expensive in Lone Mountain if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lone Mountain can be
affordable.
What is the best car insurance in Lone Mountain,
TN?
The best car insurance company in Lone Mountain
TN is
AutoOwners Insurance Co, offering $411 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lone Mountain, TN
Car Insurance Rates by State in the USA (2025 Update)
Lone Mountain Car Insurance
