Cheapest Car Insurance Quotes in Moscow

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Moscow Car Insurance

^$ 29

/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 Moscow

The car insurance rate in Moscow is $1098 for a six-month policy, which is $220 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, making it a popular choice for budget-conscious drivers. Rates in Moscow 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 Moscow

$1098

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Moscow

1st place: AutoOwners Insurance Co

At $535 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 $564 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 $601 for six months, making it the third cheapest auto insurance company in Moscow.

Moscow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moscow, TN is AutoOwners Insurance Co, offering policies at just $535 for a six-month term. This is followed by Westfield, which has an average six-month premium of $564.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1804 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moscow drivers find the best deals.

Cheap Car Insurance Companies in Moscow, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$91
Westfield	$564	$94
Tennessee Farm Bureau	$601	$103
Erie	$839	$141
Travelers	$876	$148
USAA	$950	$160
Grange	$1033	$174
Farm Bureau of Tennessee	$1069	$179
Auto-Owners	$1099	$186
Farmers	$1188	$200
Tennessee Farmers	$1195	$204
Penn National	$1293	$215
Nationwide	$1433	$244
State Farm	$1448	$244
Progressive	$1649	$278
Allstate	$1804	$301

Key Takeaways

Way's key takeaways about car insurance in Moscow

The auto insurance costs in Moscow fall around $535 for six months.
The cheapest auto insurance company in Moscow is Westfield.
Teen drivers pay the highest rate in Moscow at $1124 per month.

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Cheapest Minimum Liability Car Insurance in Moscow

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 Moscow are given below.

Westfield provides the cheapest minimum car insurance coverage in Moscow. Their Average 6 Month Premium is $171. Allstate is the most expensive at $601 for the same period.

Cheapest Liability Coverage in Moscow, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Auto-Owners Insurance Co	$200	$34
Tennessee Farm Bureau	$208	$35
Farm Bureau of Tennessee	$215	$36
Tennessee Farmers	$245	$41
USAA	$245	$41
Cincinnati	$253	$43
Erie	$283	$48
Travelers	$283	$48
Penn National	$305	$51
Auto-Owners	$319	$54
Farmers	$349	$59
State Farm	$364	$61
Progressive	$409	$69
Allstate	$601	$101

Cheapest Full Coverage Car Insurance in Moscow

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 Moscow is AutoOwners Insurance Co at $91 per month and $535 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moscow, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$91
Westfield	$564	$94
Tennessee Farm Bureau	$601	$103
Erie	$839	$141
Travelers	$876	$148
USAA	$950	$160
Grange	$1033	$174
Farm Bureau of Tennessee	$1069	$179
Auto-Owners	$1099	$186
Farmers	$1188	$200
Tennessee Farmers	$1195	$204
Penn National	$1293	$215
Nationwide	$1433	$244
State Farm	$1448	$244
Progressive	$1649	$278
Allstate	$1804	$301

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Average Car Insurance in Moscow 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 Moscow, TN increasing?

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

Car Insurance Premiums by Age in Moscow

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 Moscow,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Moscow at $34 per month. At $6609 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Tennessee Farm Bureau	$283	$48
Auto-Owners Insurance Co	$298	$50
Grange	$319	$54
Cincinnati	$326	$55
Erie	$1099	$185
USAA	$1099	$185
Travelers	$1159	$195
State Farm	$1753	$295
Farmers	$2005	$338
Progressive	$2963	$499
Auto-Owners	$3809	$635
Allstate	$6609	$1124

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 Moscow, Tennessee Farm Bureau is the cheapest car insurance provider. At $238 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 Moscow is State Farm, offering rates of around $6223 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$238	$40
Westfield	$311	$53
Grange	$371	$63
Cincinnati	$438	$75
Travelers	$1114	$188
Farmers	$1285	$216
USAA	$1314	$219
Progressive	$1478	$249
Erie	$1508	$254
Auto-Owners	$2904	$494
Allstate	$3141	$524
State Farm	$6223	$1058

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Car Insurance Rates with An Accident in Moscow

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

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

The cheapest car insurance companies after an at-fault accident in Moscow include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $208 and $215, respectively. Allstate is an expensive provider with an average six-month premium of $3601.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$208	$35
Farm Bureau of Tennessee	$215	$36
Westfield	$290	$49
Auto-Owners Insurance Co	$371	$64
Grange	$401	$66
Travelers	$616	$104
Erie	$676	$114
USAA	$690	$116
State Farm	$735	$124
Farmers	$839	$141
Progressive	$1285	$216
Auto-Owners	$1871	$319
Allstate	$3601	$600

Moscow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moscow TN. For example, the car insurance in Moscow after a DUI increases to $1240 for a six month policy. While the rate increases by $238 for a six-month policy in the case of a speeding ticket.

Moscow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1240	$206
Not-at-fault accident	$1248	$213
One Med/PIP claim	$1255	$209
One comp claim	$1270	$216
Two comp claims	$1285	$214
Two Med/PIP claims	$1285	$219
Failure to wear a seat belt	$1425	$238
Failure to show documents	$1448	$246
Child safety restraint	$1455	$243
Driving without lights	$1455	$248
Cell phone violation	$1478	$246
Driving with expired registration	$1478	$251
Speeding 6 - 10 MPH over limit	$1478	$246
Driving too slowly	$1485	$253
Speeding 11 - 15 MPH over limit	$1485	$248
Speeding in school zone	$1485	$253
Failure to yield	$1493	$249
Following too closely	$1493	$254
Illegal turn	$1493	$249
Speeding 16 - 20 MPH over limit	$1493	$254
Texting while driving	$1493	$249
Improper passing	$1508	$256
Wrong way/wrong lane	$1508	$251
Failure to stop at a red light	$1515	$258
In 65 MPH zone	$1538	$256
Speeding 21 - 25 MPH over limit	$1574	$268
At-fault accident - less than $1000	$1596	$266
Passing school bus	$1596	$271
Operating a vehicle without permission	$1693	$283
Open container	$1708	$290
At-fault accident - $1000-$2000	$1841	$308
At-fault accident - greater than $2000	$1841	$313
Reckless driving	$2324	$388
Racing	$2331	$396
Driving with a suspended license	$2391	$399
Refusal to submit to a chemical test	$2435	$414
DUI	$2480	$414
Leaving scene of an accident/hit and run	$2480	$421

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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 Moscow 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 Moscow.

The cheapest car insurance premiums in Moscow are offered by Tennessee Farm Bureau at $326 for a six-month policy. However, it can be as expensive as $2614 with companies like AutoOwners.

Moscow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$326	$55
Grange	$505	$84
Travelers	$861	$145
Farmers	$988	$166
USAA	$1174	$198
Erie	$1218	$205
Progressive	$1225	$206
Tennessee Farmers	$1440	$240
State Farm	$1455	$245
Allstate	$2235	$376
Auto-Owners	$2614	$445

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 Moscow are offered by Westfield at $200. However, it can be as expensive as $2636 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Moscow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Tennessee Farm Bureau	$208	$35
Auto-Owners Insurance Co	$290	$49
Cincinnati	$305	$51
Chubb	$334	$56
Erie	$720	$121
Travelers	$854	$144
USAA	$876	$149
State Farm	$950	$160
Auto-Owners	$1099	$186
Progressive	$1374	$231
Farmers	$1871	$319
Allstate	$2636	$439

Car Insurance Price Trends in Moscow, Tennessee

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

The average cost of full coverage in the Moscow rose by $218 in January compared to $120 of December. In other words, there has been an increase by $98 when you compare January and December.

The average cost of liability insurance in the Moscow rose to $53 in January, compared to $46 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Moscow?

The car insurance in Moscow is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Moscow?

The cheapest car insurance in Moscow is $91 per month for full coverage.

How much is car insurance in Moscow for teenagers?

Car insurance for teenagers costs $200 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 Moscow?

The average cost of car insurance is $878 for a six-month policy. It will cost around $185 per month to insure your car in Moscow.

Is car insurance expensive in Moscow?

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

Cheapest Car Insurance Quotes in Moscow

Why you can trust Way?

How Much Is Car Insurance in Moscow

Avg. Car Insurance in Moscow

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Moscow

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Moscow Car Insurance Rates by Company

Cheap Car Insurance Companies in Moscow, TN

Way's key takeaways about car insurance in Moscow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moscow

Cheapest Liability Coverage in Moscow, TN

Cheapest Full Coverage Car Insurance in Moscow

Cheapest Full Coverage Car Insurance Quotes in Moscow, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moscow by Rating Factor

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

Car Insurance Premiums by Age in Moscow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moscow,TN

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

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 Moscow

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

Moscow Car Insurance Rates by Violation

Moscow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moscow after a DUI

Moscow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moscow after Speeding ticket

Car Insurance Price Trends in Moscow, Tennessee

Average Car Insurance Cost in Moscow by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moscow, TN

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

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