Cheapest Car Insurance Quotes in Lone Oak

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Lone Oak Car Insurance

^$ 23

/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 Lone Oak

The car insurance rate in Lone Oak is $887 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Lone Oak 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 Lone Oak

$887

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Lone Oak

1st place: AutoOwners Insurance Co

At $432 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 $456 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 $486 for six months, making it the third cheapest auto insurance company in Lone Oak.

Lone Oak Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lone Oak, TN is AutoOwners Insurance Co, offering policies at just $432 for a six-month term. This is followed by Westfield, which has an average six-month premium of $456.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1457 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lone Oak drivers find the best deals.

Cheap Car Insurance Companies in Lone Oak, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$74
Westfield	$456	$76
Tennessee Farm Bureau	$486	$83
Erie	$678	$114
Travelers	$708	$119
USAA	$768	$129
Grange	$834	$140
Farm Bureau of Tennessee	$864	$144
Auto-Owners	$888	$150
Farmers	$960	$162
Tennessee Farmers	$966	$165
Penn National	$1044	$174
Nationwide	$1157	$197
State Farm	$1170	$197
Progressive	$1332	$224
Allstate	$1457	$243

Key Takeaways

Way's key takeaways about car insurance in Lone Oak

The auto insurance costs in Lone Oak fall around $432 for six months.
The cheapest auto insurance company in Lone Oak is Westfield.
Teen drivers pay the highest rate in Lone Oak at $908 per month.

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Cheapest Minimum Liability Car Insurance in Lone Oak

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 Oak are given below.

Westfield provides the cheapest minimum car insurance coverage in Lone Oak. Their Average 6 Month Premium is $138. Allstate is the most expensive at $486 for the same period.

Cheapest Liability Coverage in Lone Oak, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
Auto-Owners Insurance Co	$162	$27
Tennessee Farm Bureau	$168	$28
Farm Bureau of Tennessee	$174	$29
Tennessee Farmers	$198	$33
USAA	$198	$33
Cincinnati	$204	$34
Erie	$228	$38
Travelers	$228	$38
Penn National	$246	$41
Auto-Owners	$258	$43
Farmers	$282	$47
State Farm	$294	$49
Progressive	$330	$56
Allstate	$486	$82

Cheapest Full Coverage Car Insurance in Lone Oak

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 Oak is AutoOwners Insurance Co at $74 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lone Oak, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$74
Westfield	$456	$76
Tennessee Farm Bureau	$486	$83
Erie	$678	$114
Travelers	$708	$119
USAA	$768	$129
Grange	$834	$140
Farm Bureau of Tennessee	$864	$144
Auto-Owners	$888	$150
Farmers	$960	$162
Tennessee Farmers	$966	$165
Penn National	$1044	$174
Nationwide	$1157	$197
State Farm	$1170	$197
Progressive	$1332	$224
Allstate	$1457	$243

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Average Car Insurance in Lone Oak 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 Oak, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Lone Oak, 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 Oak'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 Oak

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 Lone Oak,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lone Oak at $27 per month. At $5340 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Tennessee Farm Bureau	$228	$38
Auto-Owners Insurance Co	$240	$40
Grange	$258	$43
Cincinnati	$264	$44
Erie	$888	$149
USAA	$888	$149
Travelers	$936	$158
State Farm	$1416	$238
Farmers	$1620	$273
Progressive	$2394	$403
Auto-Owners	$3077	$513
Allstate	$5340	$908

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 Lone Oak, Tennessee Farm Bureau is the cheapest car insurance provider. At $192 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 Oak is State Farm, offering rates of around $5028 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$192	$32
Westfield	$251	$42
Grange	$300	$51
Cincinnati	$354	$61
Travelers	$900	$152
Farmers	$1038	$175
USAA	$1062	$177
Progressive	$1194	$201
Erie	$1218	$205
Auto-Owners	$2346	$399
Allstate	$2538	$423
State Farm	$5028	$854

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Car Insurance Rates with An Accident in Lone Oak

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lone Oak

The cheapest car insurance companies after an at-fault accident in Lone Oak include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $168 and $174, respectively. Allstate is an expensive provider with an average six-month premium of $2910.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$168	$28
Farm Bureau of Tennessee	$174	$29
Westfield	$234	$39
Auto-Owners Insurance Co	$300	$52
Grange	$324	$54
Travelers	$498	$84
Erie	$546	$92
USAA	$558	$94
State Farm	$594	$100
Farmers	$678	$114
Progressive	$1038	$175
Auto-Owners	$1512	$258
Allstate	$2910	$485

Lone Oak Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lone Oak TN. For example, the car insurance in Lone Oak after a DUI increases to $1002 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Lone Oak auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$167
Not-at-fault accident	$1008	$172
One Med/PIP claim	$1014	$169
One comp claim	$1026	$175
Two comp claims	$1038	$173
Two Med/PIP claims	$1038	$177
Failure to wear a seat belt	$1151	$192
Failure to show documents	$1170	$199
Child safety restraint	$1176	$196
Driving without lights	$1176	$200
Cell phone violation	$1194	$199
Driving with expired registration	$1194	$203
Speeding 6 - 10 MPH over limit	$1194	$199
Driving too slowly	$1200	$204
Speeding 11 - 15 MPH over limit	$1200	$200
Speeding in school zone	$1200	$204
Failure to yield	$1206	$201
Following too closely	$1206	$205
Illegal turn	$1206	$201
Speeding 16 - 20 MPH over limit	$1206	$205
Texting while driving	$1206	$201
Improper passing	$1218	$207
Wrong way/wrong lane	$1218	$203
Failure to stop at a red light	$1224	$208
In 65 MPH zone	$1242	$207
Speeding 21 - 25 MPH over limit	$1272	$216
At-fault accident - less than $1000	$1290	$215
Passing school bus	$1290	$219
Operating a vehicle without permission	$1368	$228
Open container	$1380	$234
At-fault accident - $1000-$2000	$1488	$248
At-fault accident - greater than $2000	$1488	$253
Reckless driving	$1878	$313
Racing	$1884	$320
Driving with a suspended license	$1932	$322
Refusal to submit to a chemical test	$1967	$334
DUI	$2004	$334
Leaving scene of an accident/hit and run	$2004	$340

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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 Oak 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 Oak.

The cheapest car insurance premiums in Lone Oak are offered by Tennessee Farm Bureau at $264 for a six-month policy. However, it can be as expensive as $2112 with companies like AutoOwners.

Lone Oak car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$264	$44
Grange	$408	$68
Travelers	$696	$117
Farmers	$798	$134
USAA	$948	$160
Erie	$984	$166
Progressive	$990	$167
Tennessee Farmers	$1164	$194
State Farm	$1176	$198
Allstate	$1806	$304
Auto-Owners	$2112	$360

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 Lone Oak are offered by Westfield at $162. However, it can be as expensive as $2130 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lone Oak after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Tennessee Farm Bureau	$168	$28
Auto-Owners Insurance Co	$234	$39
Cincinnati	$246	$41
Chubb	$270	$45
Erie	$582	$98
Travelers	$690	$116
USAA	$708	$120
State Farm	$768	$129
Auto-Owners	$888	$150
Progressive	$1110	$187
Farmers	$1512	$258
Allstate	$2130	$355

Car Insurance Price Trends in Lone Oak, Tennessee

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

The average cost of full coverage in the Lone Oak rose by $176 in January compared to $97 of December. In other words, there has been an increase by $79 when you compare January and December.

The average cost of liability insurance in the Lone Oak rose to $42 in January, compared to $37 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lone Oak?

The car insurance in Lone Oak is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Lone Oak?

The cheapest car insurance in Lone Oak is $74 per month for full coverage.

How much is car insurance in Lone Oak for teenagers?

Car insurance for teenagers costs $162 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 Oak?

The average cost of car insurance is $878 for a six-month policy. It will cost around $149 per month to insure your car in Lone Oak.

Is car insurance expensive in Lone Oak?

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

Cheapest Car Insurance Quotes in Lone Oak

Why you can trust Way?

How Much Is Car Insurance in Lone Oak

Avg. Car Insurance in Lone Oak

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Lone Oak

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Lone Oak Car Insurance Rates by Company

Cheap Car Insurance Companies in Lone Oak, TN

Way's key takeaways about car insurance in Lone Oak

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lone Oak

Cheapest Liability Coverage in Lone Oak, TN

Cheapest Full Coverage Car Insurance in Lone Oak

Cheapest Full Coverage Car Insurance Quotes in Lone Oak, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lone Oak by Rating Factor

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

Car Insurance Premiums by Age in Lone Oak

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lone Oak,TN

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

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 Lone Oak

Cheapest Car Insurance Companies after an At-Fault Accident in Lone Oak

Lone Oak Car Insurance Rates by Violation

Lone Oak auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lone Oak after a DUI

Lone Oak car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lone Oak after Speeding ticket

Car Insurance Price Trends in Lone Oak, Tennessee

Average Car Insurance Cost in Lone Oak by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lone Oak, TN

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

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