Cheapest Car Insurance Quotes in Mount Juliet

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Mount Juliet 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 Mount Juliet

The car insurance rate in Mount Juliet is $840 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in Mount Juliet 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 Mount Juliet

$840

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Mount Juliet

1st place: AutoOwners Insurance Co

At $441 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 $465 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $465 for six months, making it the third cheapest auto insurance company in Mount Juliet.

Mount Juliet Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Juliet, TN is AutoOwners Insurance Co, offering policies at just $441 for a six-month term. This is followed by Erie, which has an average six-month premium of $465.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1407 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Juliet drivers find the best deals.

Cheap Car Insurance Companies in Mount Juliet, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$441	$73
Erie	$465	$79
Westfield	$465	$77
Tennessee Farm Bureau	$495	$84
Travelers	$691	$116
Farmers	$838	$141
USAA	$845	$142
Grange	$851	$143
Farm Bureau of Tennessee	$881	$147
Tennessee Farmers	$985	$168
Penn National	$1065	$177
State Farm	$1163	$198
Nationwide	$1180	$197
Progressive	$1407	$239

Key Takeaways

Way's key takeaways about car insurance in Mount Juliet

The auto insurance costs in Mount Juliet fall around $441 for six months.
The cheapest auto insurance company in Mount Juliet is Westfield.
Teen drivers pay the highest rate in Mount Juliet at $49 per month.

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Cheapest Minimum Liability Car Insurance in Mount Juliet

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 Mount Juliet are given below.

Westfield provides the cheapest minimum car insurance coverage in Mount Juliet. Their Average 6 Month Premium is $141. AutoOwners is the most expensive at $202 for the same period.

Cheapest Liability Coverage in Mount Juliet, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
Auto-Owners Insurance Co	$165	$28
Tennessee Farm Bureau	$171	$29
Farm Bureau of Tennessee	$177	$30
Tennessee Farmers	$202	$34
USAA	$202	$34
Cincinnati	$208	$35
Erie	$220	$37
Travelers	$220	$37
Farmers	$233	$39
Penn National	$251	$42
Progressive	$275	$46
State Farm	$275	$46
Allstate	$447	$76
Auto-Owners	$202	$34

Cheapest Full Coverage Car Insurance in Mount Juliet

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 Mount Juliet is AutoOwners Insurance Co at $73 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Juliet, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$441	$73
Erie	$465	$79
Westfield	$465	$77
Tennessee Farm Bureau	$495	$84
Travelers	$691	$116
Farmers	$838	$141
USAA	$845	$142
Grange	$851	$143
Farm Bureau of Tennessee	$881	$147
Tennessee Farmers	$985	$168
Penn National	$1065	$177
State Farm	$1163	$198
Nationwide	$1180	$197
Progressive	$1407	$239

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Average Car Insurance in Mount Juliet 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 Mount Juliet, TN increasing?

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

Car Insurance Premiums by Age in Mount Juliet

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	$624
30s	Penn National	$430
40s	Penn National	$389
50s	Penn National	$361
60s	Penn National	$378
70s	Penn National	$435

Cheapest Car Insurance Rates for Teen Drivers in Mount Juliet,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mount Juliet at $28 per month. At $294 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
USAA	$196	$33
Tennessee Farm Bureau	$233	$39
Travelers	$233	$39
Auto-Owners Insurance Co	$245	$41
Farmers	$263	$44
Grange	$263	$44
Progressive	$263	$44
Cincinnati	$269	$45
Erie	$269	$45
State Farm	$294	$49

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 Mount Juliet.

As young drivers face the highest rates in Mount Juliet, Penn National offers the cheapest auto insurance rates at $624 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 Mount Juliet, Tennessee Farm Bureau is the cheapest car insurance provider. At $196 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 Mount Juliet is Erie, offering rates of around $385 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$196	$33
Westfield	$256	$43
Grange	$306	$53
Farmers	$331	$55
Progressive	$331	$57
Travelers	$331	$55
Cincinnati	$361	$62
Erie	$385	$64

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

Car Insurance Rates with An Accident in Mount Juliet

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Juliet

The cheapest car insurance companies after an at-fault accident in Mount Juliet include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $171 and $177, respectively. Grange is an expensive provider with an average six-month premium of $331.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$171	$29
Farm Bureau of Tennessee	$177	$30
Westfield	$239	$40
USAA	$256	$43
Farmers	$263	$44
Travelers	$269	$45
Progressive	$281	$47
Erie	$300	$50
State Farm	$300	$50
Auto-Owners Insurance Co	$306	$53
Grange	$331	$55

Mount Juliet Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Juliet TN. For example, the car insurance in Mount Juliet after a DUI increases to $1022 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Mount Juliet auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1022	$170
Not-at-fault accident	$1028	$175
One Med/PIP claim	$1034	$172
One comp claim	$1046	$178
Two comp claims	$1059	$176
Two Med/PIP claims	$1059	$180
Failure to wear a seat belt	$1174	$196
Failure to show documents	$1193	$203
Child safety restraint	$1199	$200
Driving without lights	$1199	$204
Cell phone violation	$1217	$203
Driving with expired registration	$1217	$207
Speeding 6 - 10 MPH over limit	$1217	$203
Driving too slowly	$1224	$208
Speeding 11 - 15 MPH over limit	$1224	$204
Speeding in school zone	$1224	$208
Failure to yield	$1230	$205
Following too closely	$1230	$209
Illegal turn	$1230	$205
Speeding 16 - 20 MPH over limit	$1230	$209
Texting while driving	$1230	$205
Improper passing	$1242	$211
Wrong way/wrong lane	$1242	$207
Failure to stop at a red light	$1248	$212
In 65 MPH zone	$1267	$211
Speeding 21 - 25 MPH over limit	$1297	$220
At-fault accident - less than $1000	$1315	$219
Passing school bus	$1315	$224
Operating a vehicle without permission	$1395	$233
Open container	$1407	$239
At-fault accident - $1000-$2000	$1517	$253
At-fault accident - greater than $2000	$1517	$258
Reckless driving	$1915	$319
Racing	$1921	$327
Driving with a suspended license	$1970	$329
Refusal to submit to a chemical test	$2006	$341
DUI	$2044	$341
Leaving scene of an accident/hit and run	$2044	$347

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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 Mount Juliet 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 Mount Juliet.

The cheapest car insurance premiums in Mount Juliet are offered by Tennessee Farm Bureau at $269 for a six-month policy. However, it can be as expensive as $1688 with companies like Allstate.

Mount Juliet car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$269	$45
Farmers	$312	$53
Erie	$318	$55
Grange	$416	$69
Travelers	$514	$87
State Farm	$741	$125
Progressive	$770	$130
USAA	$874	$147
Tennessee Farmers	$1187	$202
Allstate	$1688	$281

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 Mount Juliet are offered by Westfield at $165. However, it can be as expensive as $281 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Mount Juliet after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Tennessee Farm Bureau	$171	$29
Erie	$196	$33
Auto-Owners Insurance Co	$239	$40
State Farm	$239	$40
Cincinnati	$251	$42
Travelers	$269	$45
Chubb	$275	$46
Progressive	$281	$47

Car Insurance Price Trends in Mount Juliet, Tennessee

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

The average cost of full coverage in the Mount Juliet remained steady at $99 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Mount Juliet 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 Mount Juliet?

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

What is the cheapest car insurance in Mount Juliet?

The cheapest car insurance in Mount Juliet is $73 per month for full coverage.

How much is car insurance in Mount Juliet for teenagers?

Car insurance for teenagers costs $165 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 Mount Juliet?

The average cost of car insurance is $816 for a six-month policy. It will cost around $141 per month to insure your car in Mount Juliet.

Is car insurance expensive in Mount Juliet?

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

Cheapest Car Insurance Quotes in Mount Juliet

Why you can trust Way?

How Much Is Car Insurance in Mount Juliet

Avg. Car Insurance in Mount Juliet

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Mount Juliet

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Mount Juliet Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Juliet, TN

Way's key takeaways about car insurance in Mount Juliet

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Juliet

Cheapest Liability Coverage in Mount Juliet, TN

Cheapest Full Coverage Car Insurance in Mount Juliet

Cheapest Full Coverage Car Insurance Quotes in Mount Juliet, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Juliet by Rating Factor

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

Car Insurance Premiums by Age in Mount Juliet

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Juliet,TN

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

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 Mount Juliet

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Juliet

Mount Juliet Car Insurance Rates by Violation

Mount Juliet auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Juliet after a DUI

Mount Juliet car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Juliet after Speeding ticket

Car Insurance Price Trends in Mount Juliet, Tennessee

Average Car Insurance Cost in Mount Juliet by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Juliet, TN

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

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