Cheapest Car Insurance Quotes in Roan Mountain

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Roan Mountain Car Insurance

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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 Roan Mountain

The car insurance rate in Roan Mountain is $773 for a six-month policy, which is $105 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, making it a popular choice for budget-conscious drivers. Rates in Roan Mountain 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 Roan Mountain

$773

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Roan Mountain

1st place: AutoOwners Insurance Co

At $377 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 $397 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 $423 for six months, making it the third cheapest auto insurance company in Roan Mountain.

Roan Mountain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roan Mountain, TN is AutoOwners Insurance Co, offering policies at just $377 for a six-month term. This is followed by Westfield, which has an average six-month premium of $397.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1270 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roan Mountain drivers find the best deals.

Cheap Car Insurance Companies in Roan Mountain, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$377	$64
Westfield	$397	$66
Tennessee Farm Bureau	$423	$72
Erie	$590	$99
Travelers	$617	$104
USAA	$669	$113
Grange	$727	$122
Farm Bureau of Tennessee	$752	$126
Auto-Owners	$774	$131
Farmers	$836	$141
Tennessee Farmers	$841	$143
Penn National	$910	$151
Nationwide	$1008	$172
State Farm	$1019	$172
Progressive	$1161	$195
Allstate	$1270	$212

Key Takeaways

Way's key takeaways about car insurance in Roan Mountain

The auto insurance costs in Roan Mountain fall around $377 for six months.
The cheapest auto insurance company in Roan Mountain is Westfield.
Teen drivers pay the highest rate in Roan Mountain at $791 per month.

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Cheapest Minimum Liability Car Insurance in Roan Mountain

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 Roan Mountain are given below.

Westfield provides the cheapest minimum car insurance coverage in Roan Mountain. Their Average 6 Month Premium is $121. Allstate is the most expensive at $423 for the same period.

Cheapest Liability Coverage in Roan Mountain, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
Auto-Owners Insurance Co	$141	$24
Tennessee Farm Bureau	$146	$25
Farm Bureau of Tennessee	$151	$26
Tennessee Farmers	$172	$29
USAA	$172	$29
Cincinnati	$178	$30
Erie	$199	$33
Travelers	$199	$33
Penn National	$215	$36
Auto-Owners	$224	$38
Farmers	$246	$41
State Farm	$256	$43
Progressive	$288	$48
Allstate	$423	$71

Cheapest Full Coverage Car Insurance in Roan Mountain

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 Roan Mountain is AutoOwners Insurance Co at $64 per month and $377 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roan Mountain, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$377	$64
Westfield	$397	$66
Tennessee Farm Bureau	$423	$72
Erie	$590	$99
Travelers	$617	$104
USAA	$669	$113
Grange	$727	$122
Farm Bureau of Tennessee	$752	$126
Auto-Owners	$774	$131
Farmers	$836	$141
Tennessee Farmers	$841	$143
Penn National	$910	$151
Nationwide	$1008	$172
State Farm	$1019	$172
Progressive	$1161	$195
Allstate	$1270	$212

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Average Car Insurance in Roan Mountain 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 Roan Mountain, TN increasing?

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

Car Insurance Premiums by Age in Roan Mountain

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 Roan Mountain,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Roan Mountain at $24 per month. At $4653 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
Tennessee Farm Bureau	$199	$33
Auto-Owners Insurance Co	$209	$35
Grange	$224	$38
Cincinnati	$230	$39
Erie	$774	$130
USAA	$774	$130
Travelers	$816	$137
State Farm	$1234	$208
Farmers	$1412	$238
Progressive	$2086	$351
Auto-Owners	$2681	$447
Allstate	$4653	$791

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 Roan Mountain, Tennessee Farm Bureau is the cheapest car insurance provider. At $167 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 Roan Mountain is State Farm, offering rates of around $4381 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$167	$28
Westfield	$219	$37
Grange	$261	$44
Cincinnati	$308	$53
Travelers	$784	$132
Farmers	$905	$152
USAA	$925	$154
Progressive	$1040	$175
Erie	$1061	$179
Auto-Owners	$2044	$348
Allstate	$2211	$369
State Farm	$4381	$744

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

Car Insurance Rates with An Accident in Roan Mountain

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

Cheapest Car Insurance Companies after an At-Fault Accident in Roan Mountain

The cheapest car insurance companies after an at-fault accident in Roan Mountain include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $146 and $151, respectively. Allstate is an expensive provider with an average six-month premium of $2535.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$146	$25
Farm Bureau of Tennessee	$151	$26
Westfield	$204	$34
Auto-Owners Insurance Co	$261	$45
Grange	$282	$47
Travelers	$434	$73
Erie	$476	$80
USAA	$486	$82
State Farm	$517	$87
Farmers	$590	$99
Progressive	$905	$152
Auto-Owners	$1317	$224
Allstate	$2535	$422

Roan Mountain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roan Mountain TN. For example, the car insurance in Roan Mountain after a DUI increases to $873 for a six month policy. While the rate increases by $167 for a six-month policy in the case of a speeding ticket.

Roan Mountain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$873	$145
Not-at-fault accident	$878	$150
One Med/PIP claim	$884	$147
One comp claim	$894	$152
Two comp claims	$905	$150
Two Med/PIP claims	$905	$154
Failure to wear a seat belt	$1003	$167
Failure to show documents	$1019	$173
Child safety restraint	$1024	$171
Driving without lights	$1024	$174
Cell phone violation	$1040	$173
Driving with expired registration	$1040	$177
Speeding 6 - 10 MPH over limit	$1040	$173
Driving too slowly	$1045	$178
Speeding 11 - 15 MPH over limit	$1045	$174
Speeding in school zone	$1045	$178
Failure to yield	$1051	$175
Following too closely	$1051	$179
Illegal turn	$1051	$175
Speeding 16 - 20 MPH over limit	$1051	$179
Texting while driving	$1051	$175
Improper passing	$1061	$180
Wrong way/wrong lane	$1061	$177
Failure to stop at a red light	$1067	$181
In 65 MPH zone	$1082	$180
Speeding 21 - 25 MPH over limit	$1108	$188
At-fault accident - less than $1000	$1124	$187
Passing school bus	$1124	$191
Operating a vehicle without permission	$1192	$199
Open container	$1202	$204
At-fault accident - $1000-$2000	$1296	$216
At-fault accident - greater than $2000	$1296	$220
Reckless driving	$1636	$273
Racing	$1641	$279
Driving with a suspended license	$1683	$281
Refusal to submit to a chemical test	$1714	$291
DUI	$1746	$291
Leaving scene of an accident/hit and run	$1746	$297

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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 Roan Mountain 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 Roan Mountain.

The cheapest car insurance premiums in Roan Mountain are offered by Tennessee Farm Bureau at $230 for a six-month policy. However, it can be as expensive as $1840 with companies like AutoOwners.

Roan Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$230	$39
Grange	$356	$59
Travelers	$606	$102
Farmers	$695	$117
USAA	$826	$139
Erie	$857	$144
Progressive	$862	$145
Tennessee Farmers	$1014	$169
State Farm	$1024	$172
Allstate	$1573	$265
Auto-Owners	$1840	$313

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 Roan Mountain are offered by Westfield at $141. However, it can be as expensive as $1856 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Roan Mountain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
Tennessee Farm Bureau	$146	$25
Auto-Owners Insurance Co	$204	$34
Cincinnati	$215	$36
Chubb	$235	$40
Erie	$507	$85
Travelers	$601	$101
USAA	$617	$105
State Farm	$669	$113
Auto-Owners	$774	$131
Progressive	$967	$163
Farmers	$1317	$224
Allstate	$1856	$309

Car Insurance Price Trends in Roan Mountain, Tennessee

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

The average cost of full coverage in the Roan Mountain rose by $153 in January compared to $84 of December. In other words, there has been an increase by $69 when you compare January and December.

The average cost of liability insurance in the Roan Mountain rose to $37 in January, compared to $33 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Roan Mountain?

The car insurance in Roan Mountain is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Roan Mountain?

The cheapest car insurance in Roan Mountain is $64 per month for full coverage.

How much is car insurance in Roan Mountain for teenagers?

Car insurance for teenagers costs $141 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 Roan Mountain?

The average cost of car insurance is $878 for a six-month policy. It will cost around $130 per month to insure your car in Roan Mountain.

Is car insurance expensive in Roan Mountain?

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

Cheapest Car Insurance Quotes in Roan Mountain

Why you can trust Way?

How Much Is Car Insurance in Roan Mountain

Avg. Car Insurance in Roan Mountain

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Roan Mountain

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Roan Mountain Car Insurance Rates by Company

Cheap Car Insurance Companies in Roan Mountain, TN

Way's key takeaways about car insurance in Roan Mountain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Roan Mountain

Cheapest Liability Coverage in Roan Mountain, TN

Cheapest Full Coverage Car Insurance in Roan Mountain

Cheapest Full Coverage Car Insurance Quotes in Roan Mountain, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Roan Mountain by Rating Factor

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

Car Insurance Premiums by Age in Roan Mountain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Roan Mountain,TN

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

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 Roan Mountain

Cheapest Car Insurance Companies after an At-Fault Accident in Roan Mountain

Roan Mountain Car Insurance Rates by Violation

Roan Mountain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Roan Mountain after a DUI

Roan Mountain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Roan Mountain after Speeding ticket

Car Insurance Price Trends in Roan Mountain, Tennessee

Average Car Insurance Cost in Roan Mountain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Roan Mountain, TN

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

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