Cheapest Car Insurance Quotes in Oliver Springs

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Oliver Springs 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 Oliver Springs

The car insurance rate in Oliver Springs is $904 for a six-month policy, which is $26 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 Oliver Springs 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 Oliver Springs

$904

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Oliver Springs

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: Westfield

Westfield offers auto insurance rates at $465 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 $495 for six months, making it the third cheapest auto insurance company in Oliver Springs.

Oliver Springs Car Insurance Rates by Company

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

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1486 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oliver Springs drivers find the best deals.

Cheap Car Insurance Companies in Oliver Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$441	$75
Westfield	$465	$77
Tennessee Farm Bureau	$495	$84
Erie	$691	$116
Travelers	$722	$122
USAA	$783	$132
Grange	$851	$143
Farm Bureau of Tennessee	$881	$147
Auto-Owners	$905	$153
Farmers	$979	$165
Tennessee Farmers	$985	$168
Penn National	$1065	$177
Nationwide	$1180	$201
State Farm	$1193	$201
Progressive	$1359	$229
Allstate	$1486	$248

Key Takeaways

Way's key takeaways about car insurance in Oliver Springs

The auto insurance costs in Oliver Springs fall around $441 for six months.
The cheapest auto insurance company in Oliver Springs is Westfield.
Teen drivers pay the highest rate in Oliver Springs at $926 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Oliver Springs

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 Oliver Springs are given below.

Westfield provides the cheapest minimum car insurance coverage in Oliver Springs. Their Average 6 Month Premium is $141. Allstate is the most expensive at $495 for the same period.

Cheapest Liability Coverage in Oliver Springs, 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	$233	$39
Travelers	$233	$39
Penn National	$251	$42
Auto-Owners	$263	$44
Farmers	$287	$48
State Farm	$300	$50
Progressive	$337	$57
Allstate	$495	$83

Cheapest Full Coverage Car Insurance in Oliver Springs

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 Oliver Springs is AutoOwners Insurance Co at $75 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oliver Springs, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$441	$75
Westfield	$465	$77
Tennessee Farm Bureau	$495	$84
Erie	$691	$116
Travelers	$722	$122
USAA	$783	$132
Grange	$851	$143
Farm Bureau of Tennessee	$881	$147
Auto-Owners	$905	$153
Farmers	$979	$165
Tennessee Farmers	$985	$168
Penn National	$1065	$177
Nationwide	$1180	$201
State Farm	$1193	$201
Progressive	$1359	$229
Allstate	$1486	$248

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Average Car Insurance in Oliver Springs 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 Oliver Springs, TN increasing?

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

Car Insurance Premiums by Age in Oliver Springs

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 Oliver Springs,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Oliver Springs at $28 per month. At $5446 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Tennessee Farm Bureau	$233	$39
Auto-Owners Insurance Co	$245	$41
Grange	$263	$44
Cincinnati	$269	$45
Erie	$905	$152
USAA	$905	$152
Travelers	$955	$161
State Farm	$1444	$243
Farmers	$1652	$278
Progressive	$2441	$411
Auto-Owners	$3138	$523
Allstate	$5446	$926

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 Oliver Springs, 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 Oliver Springs is State Farm, offering rates of around $5127 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$196	$33
Westfield	$256	$43
Grange	$306	$52
Cincinnati	$361	$62
Travelers	$918	$155
Farmers	$1059	$178
USAA	$1083	$180
Progressive	$1217	$205
Erie	$1242	$209
Auto-Owners	$2393	$407
Allstate	$2588	$432
State Farm	$5127	$871

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

Car Insurance Rates with An Accident in Oliver Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Oliver Springs

The cheapest car insurance companies after an at-fault accident in Oliver Springs include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $171 and $177, respectively. Allstate is an expensive provider with an average six-month premium of $2967.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$171	$29
Farm Bureau of Tennessee	$177	$30
Westfield	$239	$40
Auto-Owners Insurance Co	$306	$53
Grange	$331	$55
Travelers	$508	$85
Erie	$557	$94
USAA	$569	$96
State Farm	$606	$102
Farmers	$691	$116
Progressive	$1059	$178
Auto-Owners	$1542	$263
Allstate	$2967	$494

Oliver Springs Car Insurance Rates by Violation

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

Oliver Springs 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 Oliver Springs 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 Oliver Springs.

The cheapest car insurance premiums in Oliver Springs are offered by Tennessee Farm Bureau at $269 for a six-month policy. However, it can be as expensive as $2154 with companies like AutoOwners.

Oliver Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$269	$45
Grange	$416	$69
Travelers	$710	$119
Farmers	$814	$137
USAA	$967	$163
Erie	$1003	$169
Progressive	$1009	$170
Tennessee Farmers	$1187	$198
State Farm	$1199	$202
Allstate	$1842	$310
Auto-Owners	$2154	$367

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 Oliver Springs are offered by Westfield at $165. However, it can be as expensive as $2172 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oliver Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Tennessee Farm Bureau	$171	$29
Auto-Owners Insurance Co	$239	$40
Cincinnati	$251	$42
Chubb	$275	$46
Erie	$593	$100
Travelers	$703	$118
USAA	$722	$123
State Farm	$783	$132
Auto-Owners	$905	$153
Progressive	$1132	$191
Farmers	$1542	$263
Allstate	$2172	$362

Car Insurance Price Trends in Oliver Springs, Tennessee

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

The average cost of full coverage in the Oliver Springs rose by $179 in January compared to $99 of December. In other words, there has been an increase by $80 when you compare January and December.

The average cost of liability insurance in the Oliver Springs rose to $43 in January, compared to $38 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Oliver Springs?

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

What is the cheapest car insurance in Oliver Springs?

The cheapest car insurance in Oliver Springs is $75 per month for full coverage.

How much is car insurance in Oliver Springs 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 Oliver Springs?

The average cost of car insurance is $878 for a six-month policy. It will cost around $152 per month to insure your car in Oliver Springs.

Is car insurance expensive in Oliver Springs?

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

Cheapest Car Insurance Quotes in Oliver Springs

Why you can trust Way?

How Much Is Car Insurance in Oliver Springs

Avg. Car Insurance in Oliver Springs

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Oliver Springs

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Oliver Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Oliver Springs, TN

Way's key takeaways about car insurance in Oliver Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oliver Springs

Cheapest Liability Coverage in Oliver Springs, TN

Cheapest Full Coverage Car Insurance in Oliver Springs

Cheapest Full Coverage Car Insurance Quotes in Oliver Springs, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oliver Springs by Rating Factor

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

Car Insurance Premiums by Age in Oliver Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oliver Springs,TN

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

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 Oliver Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Oliver Springs

Oliver Springs Car Insurance Rates by Violation

Oliver Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oliver Springs after a DUI

Oliver Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oliver Springs after Speeding ticket

Car Insurance Price Trends in Oliver Springs, Tennessee

Average Car Insurance Cost in Oliver Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oliver Springs, TN

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

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