Cheapest Car Insurance Quotes in Loudon

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Loudon Car Insurance

^$ 21

/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 Loudon

The car insurance rate in Loudon is $817 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, making it a popular choice for budget-conscious drivers. Rates in Loudon 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 Loudon

$817

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Loudon

1st place: AutoOwners Insurance Co

At $398 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 $419 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 $447 for six months, making it the third cheapest auto insurance company in Loudon.

Loudon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Loudon, TN is AutoOwners Insurance Co, offering policies at just $398 for a six-month term. This is followed by Westfield, which has an average six-month premium of $419.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1342 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Loudon drivers find the best deals.

Cheap Car Insurance Companies in Loudon, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$398	$68
Westfield	$419	$70
Tennessee Farm Bureau	$447	$76
Erie	$624	$105
Travelers	$652	$110
USAA	$707	$119
Grange	$768	$129
Farm Bureau of Tennessee	$795	$133
Auto-Owners	$817	$139
Farmers	$884	$149
Tennessee Farmers	$889	$152
Penn National	$962	$160
Nationwide	$1066	$181
State Farm	$1077	$181
Progressive	$1227	$206
Allstate	$1342	$224

Key Takeaways

Way's key takeaways about car insurance in Loudon

The auto insurance costs in Loudon fall around $398 for six months.
The cheapest auto insurance company in Loudon is Westfield.
Teen drivers pay the highest rate in Loudon at $836 per month.

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Cheapest Minimum Liability Car Insurance in Loudon

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 Loudon are given below.

Westfield provides the cheapest minimum car insurance coverage in Loudon. Their Average 6 Month Premium is $127. Allstate is the most expensive at $447 for the same period.

Cheapest Liability Coverage in Loudon, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
Auto-Owners Insurance Co	$149	$25
Tennessee Farm Bureau	$154	$26
Farm Bureau of Tennessee	$160	$27
Tennessee Farmers	$182	$31
USAA	$182	$31
Cincinnati	$188	$32
Erie	$210	$35
Travelers	$210	$35
Penn National	$227	$38
Auto-Owners	$237	$40
Farmers	$259	$44
State Farm	$271	$46
Progressive	$304	$51
Allstate	$447	$75

Cheapest Full Coverage Car Insurance in Loudon

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 Loudon is AutoOwners Insurance Co at $68 per month and $398 for six months.

Cheapest Full Coverage Car Insurance Quotes in Loudon, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$398	$68
Westfield	$419	$70
Tennessee Farm Bureau	$447	$76
Erie	$624	$105
Travelers	$652	$110
USAA	$707	$119
Grange	$768	$129
Farm Bureau of Tennessee	$795	$133
Auto-Owners	$817	$139
Farmers	$884	$149
Tennessee Farmers	$889	$152
Penn National	$962	$160
Nationwide	$1066	$181
State Farm	$1077	$181
Progressive	$1227	$206
Allstate	$1342	$224

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Average Car Insurance in Loudon 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 Loudon, TN increasing?

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

Car Insurance Premiums by Age in Loudon

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 Loudon,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Loudon at $25 per month. At $4917 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Tennessee Farm Bureau	$210	$35
Auto-Owners Insurance Co	$221	$37
Grange	$237	$40
Cincinnati	$243	$41
Erie	$817	$138
USAA	$817	$138
Travelers	$862	$145
State Farm	$1304	$219
Farmers	$1492	$251
Progressive	$2204	$371
Auto-Owners	$2834	$472
Allstate	$4917	$836

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 Loudon, Tennessee Farm Bureau is the cheapest car insurance provider. At $177 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 Loudon is State Farm, offering rates of around $4630 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$177	$30
Westfield	$232	$39
Grange	$276	$47
Cincinnati	$326	$56
Travelers	$829	$140
Farmers	$956	$161
USAA	$977	$163
Progressive	$1099	$185
Erie	$1122	$189
Auto-Owners	$2160	$367
Allstate	$2337	$390
State Farm	$4630	$787

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Car Insurance Rates with An Accident in Loudon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Loudon

The cheapest car insurance companies after an at-fault accident in Loudon include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $154 and $160, respectively. Allstate is an expensive provider with an average six-month premium of $2679.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$154	$26
Farm Bureau of Tennessee	$160	$27
Westfield	$216	$36
Auto-Owners Insurance Co	$276	$47
Grange	$299	$49
Travelers	$458	$77
Erie	$503	$85
USAA	$513	$86
State Farm	$547	$92
Farmers	$624	$105
Progressive	$956	$161
Auto-Owners	$1392	$237
Allstate	$2679	$446

Loudon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Loudon TN. For example, the car insurance in Loudon after a DUI increases to $922 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Loudon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$923	$153
Not-at-fault accident	$928	$158
One Med/PIP claim	$934	$155
One comp claim	$945	$161
Two comp claims	$956	$159
Two Med/PIP claims	$956	$163
Failure to wear a seat belt	$1060	$177
Failure to show documents	$1077	$183
Child safety restraint	$1083	$180
Driving without lights	$1083	$184
Cell phone violation	$1099	$183
Driving with expired registration	$1099	$187
Speeding 6 - 10 MPH over limit	$1099	$183
Driving too slowly	$1105	$188
Speeding 11 - 15 MPH over limit	$1105	$184
Speeding in school zone	$1105	$188
Failure to yield	$1110	$185
Following too closely	$1110	$189
Illegal turn	$1110	$185
Speeding 16 - 20 MPH over limit	$1110	$189
Texting while driving	$1110	$185
Improper passing	$1122	$191
Wrong way/wrong lane	$1122	$187
Failure to stop at a red light	$1127	$192
In 65 MPH zone	$1144	$191
Speeding 21 - 25 MPH over limit	$1171	$199
At-fault accident - less than $1000	$1188	$198
Passing school bus	$1188	$202
Operating a vehicle without permission	$1259	$210
Open container	$1270	$216
At-fault accident - $1000-$2000	$1370	$229
At-fault accident - greater than $2000	$1370	$233
Reckless driving	$1729	$288
Racing	$1734	$295
Driving with a suspended license	$1779	$297
Refusal to submit to a chemical test	$1812	$308
DUI	$1845	$308
Leaving scene of an accident/hit and run	$1845	$313

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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 Loudon 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 Loudon.

The cheapest car insurance premiums in Loudon are offered by Tennessee Farm Bureau at $243 for a six-month policy. However, it can be as expensive as $1945 with companies like AutoOwners.

Loudon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$243	$41
Grange	$376	$62
Travelers	$641	$108
Farmers	$735	$124
USAA	$873	$147
Erie	$906	$153
Progressive	$911	$153
Tennessee Farmers	$1071	$179
State Farm	$1083	$182
Allstate	$1663	$280
Auto-Owners	$1945	$331

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 Loudon are offered by Westfield at $149. However, it can be as expensive as $1961 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Loudon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Tennessee Farm Bureau	$154	$26
Auto-Owners Insurance Co	$216	$36
Cincinnati	$227	$38
Chubb	$248	$42
Erie	$536	$90
Travelers	$635	$107
USAA	$652	$111
State Farm	$707	$119
Auto-Owners	$817	$139
Progressive	$1022	$172
Farmers	$1392	$237
Allstate	$1961	$326

Car Insurance Price Trends in Loudon, Tennessee

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

The average cost of full coverage in the Loudon rose by $162 in January compared to $89 of December. In other words, there has been an increase by $73 when you compare January and December.

The average cost of liability insurance in the Loudon rose to $39 in January, compared to $34 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 Loudon?

The car insurance in Loudon is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Loudon?

The cheapest car insurance in Loudon is $68 per month for full coverage.

How much is car insurance in Loudon for teenagers?

Car insurance for teenagers costs $149 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 Loudon?

The average cost of car insurance is $878 for a six-month policy. It will cost around $138 per month to insure your car in Loudon.

Is car insurance expensive in Loudon?

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

Cheapest Car Insurance Quotes in Loudon

Why you can trust Way?

How Much Is Car Insurance in Loudon

Avg. Car Insurance in Loudon

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Loudon

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Loudon Car Insurance Rates by Company

Cheap Car Insurance Companies in Loudon, TN

Way's key takeaways about car insurance in Loudon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Loudon

Cheapest Liability Coverage in Loudon, TN

Cheapest Full Coverage Car Insurance in Loudon

Cheapest Full Coverage Car Insurance Quotes in Loudon, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Loudon by Rating Factor

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

Car Insurance Premiums by Age in Loudon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Loudon,TN

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

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 Loudon

Cheapest Car Insurance Companies after an At-Fault Accident in Loudon

Loudon Car Insurance Rates by Violation

Loudon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Loudon after a DUI

Loudon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Loudon after Speeding ticket

Car Insurance Price Trends in Loudon, Tennessee

Average Car Insurance Cost in Loudon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Loudon, TN

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

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