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Finding the cheapest car insurance quotes in Pleasant Shade shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Pleasant Shade
The car insurance rate in Pleasant Shade is $931 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Pleasant Shade 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.
Cheapest Car Insurance Companies in Pleasant Shade
1st place: AutoOwners Insurance Co
At $454 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 $478 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 $510
for six months, making it
the third cheapest auto insurance company in Pleasant Shade.
Pleasant Shade Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pleasant Shade, TN is AutoOwners Insurance Co, offering policies at just $454 for a six-month term. This is followed by Westfield, which has an average six-month premium of $478.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1530 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pleasant Shade drivers find the best deals.
Cheap Car Insurance Companies in Pleasant Shade, TN
Way's key takeaways about car insurance in Pleasant Shade
The auto insurance costs in Pleasant Shade fall around $454 for six
months.
The cheapest auto insurance company in Pleasant Shade is Westfield.
Teen drivers pay the highest rate in Pleasant Shade at $953 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 Pleasant Shade
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 Pleasant Shade are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Pleasant Shade. Their Average 6 Month Premium is $145.
Allstate is the most
expensive at $510 for the same
period.
Cheapest Full Coverage Car Insurance in Pleasant Shade
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 Pleasant Shade is AutoOwners Insurance Co
at $77 per month and $454
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pleasant Shade,
TN
Get Your Car Insurance Quote in Pleasant Shade
Instantly!
Average Car Insurance in Pleasant Shade 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 Pleasant Shade, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pleasant Shade, 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, Pleasant Shade's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pleasant Shade
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
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Cheapest Car Insurance Rates for Teen Drivers in
Pleasant Shade,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Pleasant Shade at $29
per
month. At $5604 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Pleasant Shade.
As young drivers face the highest rates in Pleasant Shade, N/A
offers the cheapest auto insurance rates at $N/A 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 Pleasant Shade,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $201 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
Pleasant Shade is State Farm, offering
rates of around $5277 for six
months.
Save up to $971/yr on car insurance rates in Pleasant Shade.
Car Insurance Rates with An Accident in Pleasant Shade
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 Pleasant Shade, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pleasant Shade
The cheapest car insurance companies after an at-fault accident in
Pleasant Shade include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $176
and $182,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3054.
Here is a list of driving violations that can increase your car
insurance rates in Pleasant Shade TN. For example, the car
insurance in Pleasant Shade
after a DUI increases to $1051 for a six
month policy. While the rate increases by $201 for a six-month policy in the case of
a speeding ticket.
Pleasant Shade auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1052
$175
Not-at-fault accident
$1058
$180
One Med/PIP claim
$1064
$177
One comp claim
$1077
$183
Two comp claims
$1090
$181
Two Med/PIP claims
$1090
$186
Failure to wear a seat belt
$1208
$201
Failure to show documents
$1227
$209
Child safety restraint
$1234
$206
Driving without lights
$1234
$210
Cell phone violation
$1253
$209
Driving with expired registration
$1253
$213
Speeding 6 - 10 MPH over limit
$1253
$209
Driving too slowly
$1259
$214
Speeding 11 - 15 MPH over limit
$1259
$210
Speeding in school zone
$1259
$214
Failure to yield
$1266
$211
Following too closely
$1266
$215
Illegal turn
$1266
$211
Speeding 16 - 20 MPH over limit
$1266
$215
Texting while driving
$1266
$211
Improper passing
$1278
$217
Wrong way/wrong lane
$1278
$213
Failure to stop at a red light
$1285
$218
In 65 MPH zone
$1304
$217
Speeding 21 - 25 MPH over limit
$1335
$227
At-fault accident - less than $1000
$1354
$226
Passing school bus
$1354
$230
Operating a vehicle without permission
$1435
$240
Open container
$1448
$246
At-fault accident - $1000-$2000
$1561
$261
At-fault accident - greater than $2000
$1561
$265
Reckless driving
$1971
$329
Racing
$1977
$336
Driving with a suspended license
$2028
$338
Refusal to submit to a chemical test
$2065
$351
DUI
$2103
$351
Leaving scene of an accident/hit and run
$2103
$357
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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 Pleasant Shade 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 Pleasant Shade.
The cheapest car insurance premiums in
Pleasant Shade are
offered by Tennessee Farm Bureau at $277 for a six-month policy.
However, it can be as
expensive as $2216 with companies
like AutoOwners.
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 Pleasant Shade are offered by Westfield
at $170. However,
it can be as expensive as $2236
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Pleasant Shade after Speeding ticket
Car Insurance Price Trends in Pleasant Shade,
Tennessee
Car insurance rates in Pleasant Shade have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pleasant Shade rose by
$184 in January
compared to $102 of December. In other words, there has been an increase by $82 when you
compare January and December.
The average cost of liability insurance in the Pleasant Shade rose to $45 in January,
compared to $39 in December.
This represents an increase of $6
when comparing January and December.
Average Car Insurance Cost in Pleasant Shade by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pleasant Shade. At $1861 for a
six-month policy, insuring
your car at 37145 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Pleasant Shade?
The car insurance in Pleasant Shade is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Pleasant Shade?
The cheapest car insurance in Pleasant Shade
is $77 per month
for full coverage.
How much is car insurance in Pleasant Shade for teenagers?
Car insurance for teenagers costs $170 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
Pleasant Shade?
The average cost of car insurance is $878 for a six-month
policy. It will cost around $157 per month to insure your
car in Pleasant Shade.
Is car insurance expensive in Pleasant Shade?
Car insurance can be expensive in Pleasant Shade if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pleasant Shade can be
affordable.
What is the best car insurance in Pleasant Shade,
TN?
The best car insurance company in Pleasant Shade
TN is
AutoOwners Insurance Co, offering $454 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pleasant Shade, TN
Car Insurance Rates by State in the USA (2025 Update)
Pleasant Shade Car Insurance
