Cheapest Car Insurance Quotes in McDonald

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406,175 Policies Sold

McDonald Car Insurance

^$ 22

/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 McDonald

The car insurance rate in McDonald is $825 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in McDonald 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 McDonald

$825

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in McDonald

1st place: AutoOwners Insurance Co

At $402 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 $424 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 $452 for six months, making it the third cheapest auto insurance company in McDonald.

McDonald Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McDonald, TN is AutoOwners Insurance Co, offering policies at just $402 for a six-month term. This is followed by Westfield, which has an average six-month premium of $424.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1356 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McDonald drivers find the best deals.

Cheap Car Insurance Companies in McDonald, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$402	$69
Westfield	$424	$71
Tennessee Farm Bureau	$452	$77
Erie	$631	$106
Travelers	$659	$111
USAA	$714	$120
Grange	$776	$131
Farm Bureau of Tennessee	$804	$134
Auto-Owners	$826	$140
Farmers	$893	$150
Tennessee Farmers	$899	$153
Penn National	$972	$162
Nationwide	$1077	$183
State Farm	$1089	$183
Progressive	$1240	$209
Allstate	$1356	$227

Key Takeaways

Way's key takeaways about car insurance in McDonald

The auto insurance costs in McDonald fall around $402 for six months.
The cheapest auto insurance company in McDonald is Westfield.
Teen drivers pay the highest rate in McDonald at $845 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in McDonald

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 McDonald are given below.

Westfield provides the cheapest minimum car insurance coverage in McDonald. Their Average 6 Month Premium is $129. Allstate is the most expensive at $452 for the same period.

Cheapest Liability Coverage in McDonald, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
Auto-Owners Insurance Co	$150	$25
Tennessee Farm Bureau	$156	$26
Farm Bureau of Tennessee	$162	$27
Tennessee Farmers	$184	$31
USAA	$184	$31
Cincinnati	$190	$32
Erie	$212	$36
Travelers	$212	$36
Penn National	$229	$39
Auto-Owners	$240	$40
Farmers	$262	$44
State Farm	$274	$46
Progressive	$307	$52
Allstate	$452	$76

Cheapest Full Coverage Car Insurance in McDonald

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 McDonald is AutoOwners Insurance Co at $69 per month and $402 for six months.

Cheapest Full Coverage Car Insurance Quotes in McDonald, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$402	$69
Westfield	$424	$71
Tennessee Farm Bureau	$452	$77
Erie	$631	$106
Travelers	$659	$111
USAA	$714	$120
Grange	$776	$131
Farm Bureau of Tennessee	$804	$134
Auto-Owners	$826	$140
Farmers	$893	$150
Tennessee Farmers	$899	$153
Penn National	$972	$162
Nationwide	$1077	$183
State Farm	$1089	$183
Progressive	$1240	$209
Allstate	$1356	$227

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Average Car Insurance in McDonald 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 McDonald, TN increasing?

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

Car Insurance Premiums by Age in McDonald

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 McDonald,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the McDonald at $25 per month. At $4970 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Tennessee Farm Bureau	$212	$36
Auto-Owners Insurance Co	$224	$38
Grange	$240	$40
Cincinnati	$245	$41
Erie	$826	$139
USAA	$826	$139
Travelers	$871	$147
State Farm	$1318	$222
Farmers	$1508	$254
Progressive	$2228	$375
Auto-Owners	$2864	$478
Allstate	$4970	$845

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 McDonald, Tennessee Farm Bureau is the cheapest car insurance provider. At $179 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 McDonald is State Farm, offering rates of around $4679 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$179	$30
Westfield	$234	$39
Grange	$279	$47
Cincinnati	$329	$56
Travelers	$838	$141
Farmers	$966	$163
USAA	$988	$165
Progressive	$1111	$187
Erie	$1134	$191
Auto-Owners	$2184	$371
Allstate	$2362	$394
State Farm	$4679	$795

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Car Insurance Rates with An Accident in McDonald

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

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

The cheapest car insurance companies after an at-fault accident in McDonald include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $156 and $162, respectively. Allstate is an expensive provider with an average six-month premium of $2708.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$156	$26
Farm Bureau of Tennessee	$162	$27
Westfield	$218	$37
Auto-Owners Insurance Co	$279	$48
Grange	$302	$50
Travelers	$463	$78
Erie	$509	$86
USAA	$519	$87
State Farm	$553	$93
Farmers	$631	$106
Progressive	$966	$163
Auto-Owners	$1407	$240
Allstate	$2708	$451

McDonald Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McDonald TN. For example, the car insurance in McDonald after a DUI increases to $933 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

McDonald auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$932	$155
Not-at-fault accident	$938	$160
One Med/PIP claim	$944	$157
One comp claim	$955	$163
Two comp claims	$966	$161
Two Med/PIP claims	$966	$165
Failure to wear a seat belt	$1072	$179
Failure to show documents	$1089	$185
Child safety restraint	$1094	$182
Driving without lights	$1094	$186
Cell phone violation	$1111	$185
Driving with expired registration	$1111	$189
Speeding 6 - 10 MPH over limit	$1111	$185
Driving too slowly	$1117	$190
Speeding 11 - 15 MPH over limit	$1117	$186
Speeding in school zone	$1117	$190
Failure to yield	$1122	$187
Following too closely	$1122	$191
Illegal turn	$1122	$187
Speeding 16 - 20 MPH over limit	$1122	$191
Texting while driving	$1122	$187
Improper passing	$1134	$193
Wrong way/wrong lane	$1134	$189
Failure to stop at a red light	$1139	$194
In 65 MPH zone	$1156	$193
Speeding 21 - 25 MPH over limit	$1183	$201
At-fault accident - less than $1000	$1200	$200
Passing school bus	$1200	$204
Operating a vehicle without permission	$1273	$212
Open container	$1284	$218
At-fault accident - $1000-$2000	$1385	$231
At-fault accident - greater than $2000	$1385	$235
Reckless driving	$1747	$291
Racing	$1753	$298
Driving with a suspended license	$1798	$300
Refusal to submit to a chemical test	$1831	$311
DUI	$1865	$311
Leaving scene of an accident/hit and run	$1865	$317

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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 McDonald 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 McDonald.

The cheapest car insurance premiums in McDonald are offered by Tennessee Farm Bureau at $245 for a six-month policy. However, it can be as expensive as $1966 with companies like AutoOwners.

McDonald car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$245	$41
Grange	$380	$63
Travelers	$648	$109
Farmers	$743	$125
USAA	$883	$149
Erie	$916	$154
Progressive	$921	$155
Tennessee Farmers	$1083	$180
State Farm	$1094	$184
Allstate	$1681	$283
Auto-Owners	$1966	$335

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 McDonald are offered by Westfield at $150. However, it can be as expensive as $1982 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in McDonald after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Tennessee Farm Bureau	$156	$26
Auto-Owners Insurance Co	$218	$37
Cincinnati	$229	$39
Chubb	$251	$42
Erie	$541	$91
Travelers	$642	$108
USAA	$659	$112
State Farm	$714	$120
Auto-Owners	$826	$140
Progressive	$1033	$174
Farmers	$1407	$240
Allstate	$1982	$330

Car Insurance Price Trends in McDonald, Tennessee

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

The average cost of full coverage in the McDonald rose by $164 in January compared to $90 of December. In other words, there has been an increase by $74 when you compare January and December.

The average cost of liability insurance in the McDonald rose to $39 in January, compared to $35 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 McDonald?

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

What is the cheapest car insurance in McDonald?

The cheapest car insurance in McDonald is $69 per month for full coverage.

How much is car insurance in McDonald for teenagers?

Car insurance for teenagers costs $150 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 McDonald?

The average cost of car insurance is $878 for a six-month policy. It will cost around $139 per month to insure your car in McDonald.

Is car insurance expensive in McDonald?

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

Cheapest Car Insurance Quotes in McDonald

Why you can trust Way?

How Much Is Car Insurance in McDonald

Avg. Car Insurance in McDonald

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in McDonald

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

McDonald Car Insurance Rates by Company

Cheap Car Insurance Companies in McDonald, TN

Way's key takeaways about car insurance in McDonald

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McDonald

Cheapest Liability Coverage in McDonald, TN

Cheapest Full Coverage Car Insurance in McDonald

Cheapest Full Coverage Car Insurance Quotes in McDonald, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McDonald by Rating Factor

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

Car Insurance Premiums by Age in McDonald

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McDonald,TN

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

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 McDonald

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

McDonald Car Insurance Rates by Violation

McDonald auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McDonald after a DUI

McDonald car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McDonald after Speeding ticket

Car Insurance Price Trends in McDonald, Tennessee

Average Car Insurance Cost in McDonald by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McDonald, TN

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

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