Cheapest Car Insurance Quotes in McLemoresville

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McLemoresville Car Insurance

^$ 24

/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 McLemoresville

The car insurance rate in McLemoresville is $849 for a six-month policy, which is $33 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in McLemoresville 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 McLemoresville

$849

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in McLemoresville

1st place: AutoOwners Insurance Co

At $445 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 $469 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $469 for six months, making it the third cheapest auto insurance company in McLemoresville.

McLemoresville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McLemoresville, TN is AutoOwners Insurance Co, offering policies at just $445 for a six-month term. This is followed by Erie, which has an average six-month premium of $469.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1421 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McLemoresville drivers find the best deals.

Cheap Car Insurance Companies in McLemoresville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$74
Erie	$469	$80
Westfield	$469	$78
Tennessee Farm Bureau	$500	$85
Travelers	$698	$118
Farmers	$847	$142
USAA	$853	$144
Grange	$859	$145
Farm Bureau of Tennessee	$889	$149
Tennessee Farmers	$994	$170
Penn National	$1075	$179
State Farm	$1174	$200
Nationwide	$1192	$199
Progressive	$1421	$241

Key Takeaways

Way's key takeaways about car insurance in McLemoresville

The auto insurance costs in McLemoresville fall around $445 for six months.
The cheapest auto insurance company in McLemoresville is Westfield.
Teen drivers pay the highest rate in McLemoresville at $50 per month.

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

Cheapest Minimum Liability Car Insurance in McLemoresville

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 McLemoresville are given below.

Westfield provides the cheapest minimum car insurance coverage in McLemoresville. Their Average 6 Month Premium is $142. AutoOwners is the most expensive at $204 for the same period.

Cheapest Liability Coverage in McLemoresville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
Auto-Owners Insurance Co	$166	$28
Tennessee Farm Bureau	$173	$29
Farm Bureau of Tennessee	$179	$30
Tennessee Farmers	$204	$34
USAA	$204	$34
Cincinnati	$210	$35
Erie	$223	$37
Travelers	$223	$37
Farmers	$235	$40
Penn National	$254	$43
Progressive	$278	$47
State Farm	$278	$47
Allstate	$451	$77
Auto-Owners	$204	$34

Cheapest Full Coverage Car Insurance in McLemoresville

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 McLemoresville is AutoOwners Insurance Co at $74 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in McLemoresville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$74
Erie	$469	$80
Westfield	$469	$78
Tennessee Farm Bureau	$500	$85
Travelers	$698	$118
Farmers	$847	$142
USAA	$853	$144
Grange	$859	$145
Farm Bureau of Tennessee	$889	$149
Tennessee Farmers	$994	$170
Penn National	$1075	$179
State Farm	$1174	$200
Nationwide	$1192	$199
Progressive	$1421	$241

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Average Car Insurance in McLemoresville 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 McLemoresville, TN increasing?

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

Car Insurance Premiums by Age in McLemoresville

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	$630
30s	Penn National	$434
40s	Penn National	$393
50s	Penn National	$364
60s	Penn National	$382
70s	Penn National	$439

Cheapest Car Insurance Rates for Teen Drivers in McLemoresville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the McLemoresville at $28 per month. At $296 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
USAA	$198	$33
Tennessee Farm Bureau	$235	$40
Travelers	$235	$40
Auto-Owners Insurance Co	$248	$42
Farmers	$265	$45
Grange	$265	$45
Progressive	$265	$45
Cincinnati	$271	$46
Erie	$271	$46
State Farm	$296	$50

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in McLemoresville.

As young drivers face the highest rates in McLemoresville, Penn National offers the cheapest auto insurance rates at $630 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 McLemoresville, Tennessee Farm Bureau is the cheapest car insurance provider. At $198 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 McLemoresville is Erie, offering rates of around $389 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$198	$33
Westfield	$259	$44
Grange	$309	$53
Farmers	$334	$55
Progressive	$334	$57
Travelers	$334	$55
Cincinnati	$364	$62
Erie	$389	$64

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Save up to $971/yr on car insurance rates in McLemoresville.

Car Insurance Rates with An Accident in McLemoresville

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

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

The cheapest car insurance companies after an at-fault accident in McLemoresville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $173 and $179, respectively. Grange is an expensive provider with an average six-month premium of $334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$173	$29
Farm Bureau of Tennessee	$179	$30
Westfield	$241	$41
USAA	$259	$44
Farmers	$265	$45
Travelers	$271	$46
Progressive	$284	$48
Erie	$303	$51
State Farm	$303	$51
Auto-Owners Insurance Co	$309	$53
Grange	$334	$55

McLemoresville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McLemoresville TN. For example, the car insurance in McLemoresville after a DUI increases to $1031 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

McLemoresville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
Not-at-fault accident	$1038	$177
One Med/PIP claim	$1044	$174
One comp claim	$1057	$180
Two comp claims	$1069	$178
Two Med/PIP claims	$1069	$182
Failure to wear a seat belt	$1186	$198
Failure to show documents	$1204	$205
Child safety restraint	$1211	$202
Driving without lights	$1211	$206
Cell phone violation	$1229	$205
Driving with expired registration	$1229	$209
Speeding 6 - 10 MPH over limit	$1229	$205
Driving too slowly	$1236	$210
Speeding 11 - 15 MPH over limit	$1236	$206
Speeding in school zone	$1236	$210
Failure to yield	$1242	$207
Following too closely	$1242	$211
Illegal turn	$1242	$207
Speeding 16 - 20 MPH over limit	$1242	$211
Texting while driving	$1242	$207
Improper passing	$1254	$213
Wrong way/wrong lane	$1254	$209
Failure to stop at a red light	$1260	$214
In 65 MPH zone	$1279	$213
Speeding 21 - 25 MPH over limit	$1309	$223
At-fault accident - less than $1000	$1328	$222
Passing school bus	$1328	$226
Operating a vehicle without permission	$1408	$235
Open container	$1421	$241
At-fault accident - $1000-$2000	$1532	$256
At-fault accident - greater than $2000	$1532	$260
Reckless driving	$1933	$322
Racing	$1940	$330
Driving with a suspended license	$1990	$332
Refusal to submit to a chemical test	$2026	$344
DUI	$2063	$344
Leaving scene of an accident/hit and run	$2063	$350

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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 McLemoresville 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 McLemoresville.

The cheapest car insurance premiums in McLemoresville are offered by Tennessee Farm Bureau at $271 for a six-month policy. However, it can be as expensive as $1705 with companies like Allstate.

McLemoresville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$271	$46
Farmers	$315	$53
Erie	$321	$55
Grange	$420	$70
Travelers	$519	$87
State Farm	$748	$126
Progressive	$778	$131
USAA	$883	$149
Tennessee Farmers	$1198	$204
Allstate	$1705	$284

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 McLemoresville are offered by Westfield at $166. However, it can be as expensive as $284 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in McLemoresville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
Tennessee Farm Bureau	$173	$29
Erie	$198	$33
Auto-Owners Insurance Co	$241	$41
State Farm	$241	$41
Cincinnati	$254	$43
Travelers	$271	$46
Chubb	$278	$47
Progressive	$284	$48

Car Insurance Price Trends in McLemoresville, Tennessee

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

The average cost of full coverage in the McLemoresville remained steady at $100 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the McLemoresville remained steady at $38 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in McLemoresville?

The car insurance in McLemoresville is $24 per month, which is lower than the national average.

What is the cheapest car insurance in McLemoresville?

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

How much is car insurance in McLemoresville for teenagers?

Car insurance for teenagers costs $166 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 McLemoresville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $142 per month to insure your car in McLemoresville.

Is car insurance expensive in McLemoresville?

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

Cheapest Car Insurance Quotes in McLemoresville

Why you can trust Way?

How Much Is Car Insurance in McLemoresville

Avg. Car Insurance in McLemoresville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in McLemoresville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

McLemoresville Car Insurance Rates by Company

Cheap Car Insurance Companies in McLemoresville, TN

Way's key takeaways about car insurance in McLemoresville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McLemoresville

Cheapest Liability Coverage in McLemoresville, TN

Cheapest Full Coverage Car Insurance in McLemoresville

Cheapest Full Coverage Car Insurance Quotes in McLemoresville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McLemoresville by Rating Factor

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

Car Insurance Premiums by Age in McLemoresville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McLemoresville,TN

If you are in your twenties Penn National is the best choice for car insurance in McLemoresville.

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 McLemoresville

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

McLemoresville Car Insurance Rates by Violation

McLemoresville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McLemoresville after a DUI

McLemoresville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McLemoresville after Speeding ticket

Car Insurance Price Trends in McLemoresville, Tennessee

Average Car Insurance Cost in McLemoresville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McLemoresville, TN

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

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