Cheapest Car Insurance Quotes in Madisonville

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Madisonville Car Insurance

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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 Madisonville

The car insurance rate in Madisonville is $843 for a six-month policy, which is $35 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 Madisonville 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 Madisonville

$843

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Madisonville

1st place: AutoOwners Insurance Co

At $411 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 $433 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 $462 for six months, making it the third cheapest auto insurance company in Madisonville.

Madisonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Madisonville, TN is AutoOwners Insurance Co, offering policies at just $411 for a six-month term. This is followed by Westfield, which has an average six-month premium of $433.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1385 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Madisonville drivers find the best deals.

Cheap Car Insurance Companies in Madisonville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$411	$70
Westfield	$433	$72
Tennessee Farm Bureau	$462	$79
Erie	$644	$108
Travelers	$673	$113
USAA	$730	$123
Grange	$793	$133
Farm Bureau of Tennessee	$821	$137
Auto-Owners	$844	$143
Farmers	$912	$154
Tennessee Farmers	$918	$156
Penn National	$993	$165
Nationwide	$1100	$187
State Farm	$1112	$187
Progressive	$1266	$213
Allstate	$1385	$231

Key Takeaways

Way's key takeaways about car insurance in Madisonville

The auto insurance costs in Madisonville fall around $411 for six months.
The cheapest auto insurance company in Madisonville is Westfield.
Teen drivers pay the highest rate in Madisonville at $863 per month.

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Cheapest Minimum Liability Car Insurance in Madisonville

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 Madisonville are given below.

Westfield provides the cheapest minimum car insurance coverage in Madisonville. Their Average 6 Month Premium is $132. Allstate is the most expensive at $462 for the same period.

Cheapest Liability Coverage in Madisonville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
Auto-Owners Insurance Co	$154	$26
Tennessee Farm Bureau	$159	$27
Farm Bureau of Tennessee	$165	$28
Tennessee Farmers	$188	$32
USAA	$188	$32
Cincinnati	$194	$33
Erie	$217	$36
Travelers	$217	$36
Penn National	$234	$39
Auto-Owners	$245	$41
Farmers	$268	$45
State Farm	$279	$47
Progressive	$314	$53
Allstate	$462	$78

Cheapest Full Coverage Car Insurance in Madisonville

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 Madisonville is AutoOwners Insurance Co at $70 per month and $411 for six months.

Cheapest Full Coverage Car Insurance Quotes in Madisonville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$411	$70
Westfield	$433	$72
Tennessee Farm Bureau	$462	$79
Erie	$644	$108
Travelers	$673	$113
USAA	$730	$123
Grange	$793	$133
Farm Bureau of Tennessee	$821	$137
Auto-Owners	$844	$143
Farmers	$912	$154
Tennessee Farmers	$918	$156
Penn National	$993	$165
Nationwide	$1100	$187
State Farm	$1112	$187
Progressive	$1266	$213
Allstate	$1385	$231

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Average Car Insurance in Madisonville 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 Madisonville, TN increasing?

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

Car Insurance Premiums by Age in Madisonville

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 Madisonville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Madisonville at $26 per month. At $5076 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
Tennessee Farm Bureau	$217	$36
Auto-Owners Insurance Co	$228	$38
Grange	$245	$41
Cincinnati	$251	$42
Erie	$844	$142
USAA	$844	$142
Travelers	$890	$150
State Farm	$1346	$227
Farmers	$1540	$259
Progressive	$2275	$383
Auto-Owners	$2925	$488
Allstate	$5076	$863

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 Madisonville, 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 Madisonville is State Farm, offering rates of around $4779 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$182	$31
Westfield	$239	$40
Grange	$285	$48
Cincinnati	$336	$58
Travelers	$855	$144
Farmers	$987	$166
USAA	$1009	$168
Progressive	$1135	$191
Erie	$1158	$195
Auto-Owners	$2230	$379
Allstate	$2412	$402
State Farm	$4779	$812

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Car Insurance Rates with An Accident in Madisonville

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

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

The cheapest car insurance companies after an at-fault accident in Madisonville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $159 and $165, respectively. Allstate is an expensive provider with an average six-month premium of $2766.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$159	$27
Farm Bureau of Tennessee	$165	$28
Westfield	$223	$37
Auto-Owners Insurance Co	$285	$49
Grange	$308	$51
Travelers	$473	$80
Erie	$519	$87
USAA	$530	$89
State Farm	$564	$95
Farmers	$644	$108
Progressive	$987	$166
Auto-Owners	$1437	$245
Allstate	$2766	$461

Madisonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Madisonville TN. For example, the car insurance in Madisonville 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.

Madisonville 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 Madisonville 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 Madisonville.

The cheapest car insurance premiums in Madisonville are offered by Tennessee Farm Bureau at $251 for a six-month policy. However, it can be as expensive as $2007 with companies like AutoOwners.

Madisonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$251	$42
Grange	$388	$64
Travelers	$661	$111
Farmers	$758	$128
USAA	$901	$152
Erie	$935	$157
Progressive	$941	$158
Tennessee Farmers	$1106	$184
State Farm	$1117	$188
Allstate	$1716	$289
Auto-Owners	$2007	$342

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 Madisonville are offered by Westfield at $154. However, it can be as expensive as $2025 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Madisonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
Tennessee Farm Bureau	$159	$27
Auto-Owners Insurance Co	$223	$37
Cincinnati	$234	$39
Chubb	$256	$43
Erie	$553	$93
Travelers	$656	$110
USAA	$673	$114
State Farm	$730	$123
Auto-Owners	$844	$143
Progressive	$1055	$178
Farmers	$1437	$245
Allstate	$2025	$337

Car Insurance Price Trends in Madisonville, Tennessee

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

The average cost of full coverage in the Madisonville rose by $167 in January compared to $92 of December. In other words, there has been an increase by $75 when you compare January and December.

The average cost of liability insurance in the Madisonville rose to $40 in January, compared to $36 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Madisonville?

The car insurance in Madisonville is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Madisonville?

The cheapest car insurance in Madisonville is $70 per month for full coverage.

How much is car insurance in Madisonville 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 Madisonville?

The average cost of car insurance is $878 for a six-month policy. It will cost around $142 per month to insure your car in Madisonville.

Is car insurance expensive in Madisonville?

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

Cheapest Car Insurance Quotes in Madisonville

Why you can trust Way?

How Much Is Car Insurance in Madisonville

Avg. Car Insurance in Madisonville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Madisonville

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Madisonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Madisonville, TN

Way's key takeaways about car insurance in Madisonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Madisonville

Cheapest Liability Coverage in Madisonville, TN

Cheapest Full Coverage Car Insurance in Madisonville

Cheapest Full Coverage Car Insurance Quotes in Madisonville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Madisonville by Rating Factor

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

Car Insurance Premiums by Age in Madisonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Madisonville,TN

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

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 Madisonville

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

Madisonville Car Insurance Rates by Violation

Madisonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Madisonville after a DUI

Madisonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Madisonville after Speeding ticket

Car Insurance Price Trends in Madisonville, Tennessee

Average Car Insurance Cost in Madisonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Madisonville, TN

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

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