Cheapest Car Insurance Quotes in Rossville

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Rossville Car Insurance

^$ 26

/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 Rossville

The car insurance rate in Rossville is $922 for a six-month policy, which is $106 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Rossville 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 Rossville

$922

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Rossville

1st place: AutoOwners Insurance Co

At $484 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 $510 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $510 for six months, making it the third cheapest auto insurance company in Rossville.

Rossville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rossville, TN is AutoOwners Insurance Co, offering policies at just $484 for a six-month term. This is followed by Erie, which has an average six-month premium of $510.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1544 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rossville drivers find the best deals.

Cheap Car Insurance Companies in Rossville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$484	$80
Erie	$510	$87
Westfield	$510	$85
Tennessee Farm Bureau	$544	$93
Travelers	$758	$128
Farmers	$920	$155
USAA	$927	$156
Grange	$933	$157
Farm Bureau of Tennessee	$966	$162
Tennessee Farmers	$1080	$184
Penn National	$1168	$194
State Farm	$1276	$217
Nationwide	$1295	$216
Progressive	$1544	$262

Key Takeaways

Way's key takeaways about car insurance in Rossville

The auto insurance costs in Rossville fall around $484 for six months.
The cheapest auto insurance company in Rossville is Westfield.
Teen drivers pay the highest rate in Rossville at $54 per month.

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Cheapest Minimum Liability Car Insurance in Rossville

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 Rossville are given below.

Westfield provides the cheapest minimum car insurance coverage in Rossville. Their Average 6 Month Premium is $155. AutoOwners is the most expensive at $221 for the same period.

Cheapest Liability Coverage in Rossville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
Auto-Owners Insurance Co	$181	$31
Tennessee Farm Bureau	$188	$32
Farm Bureau of Tennessee	$194	$33
Tennessee Farmers	$221	$37
USAA	$221	$37
Cincinnati	$228	$38
Erie	$242	$41
Travelers	$242	$41
Farmers	$255	$43
Penn National	$276	$46
Progressive	$302	$51
State Farm	$302	$51
Allstate	$490	$84
Auto-Owners	$221	$37

Cheapest Full Coverage Car Insurance in Rossville

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 Rossville is AutoOwners Insurance Co at $80 per month and $484 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rossville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$484	$80
Erie	$510	$87
Westfield	$510	$85
Tennessee Farm Bureau	$544	$93
Travelers	$758	$128
Farmers	$920	$155
USAA	$927	$156
Grange	$933	$157
Farm Bureau of Tennessee	$966	$162
Tennessee Farmers	$1080	$184
Penn National	$1168	$194
State Farm	$1276	$217
Nationwide	$1295	$216
Progressive	$1544	$262

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Average Car Insurance in Rossville 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 Rossville, TN increasing?

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

Car Insurance Premiums by Age in Rossville

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	$685
30s	Penn National	$471
40s	Penn National	$427
50s	Penn National	$395
60s	Penn National	$415
70s	Penn National	$477

Cheapest Car Insurance Rates for Teen Drivers in Rossville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rossville at $31 per month. At $322 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$31
USAA	$215	$36
Tennessee Farm Bureau	$255	$43
Travelers	$255	$43
Auto-Owners Insurance Co	$269	$45
Farmers	$288	$49
Grange	$288	$49
Progressive	$288	$49
Cincinnati	$295	$50
Erie	$295	$50
State Farm	$322	$54

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 Rossville.

As young drivers face the highest rates in Rossville, Penn National offers the cheapest auto insurance rates at $685 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 Rossville, Tennessee Farm Bureau is the cheapest car insurance provider. At $215 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 Rossville is Erie, offering rates of around $423 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$215	$36
Westfield	$281	$47
Grange	$336	$58
Farmers	$363	$60
Progressive	$363	$62
Travelers	$363	$60
Cincinnati	$395	$68
Erie	$423	$70

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Car Insurance Rates with An Accident in Rossville

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

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

The cheapest car insurance companies after an at-fault accident in Rossville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $188 and $194, respectively. Grange is an expensive provider with an average six-month premium of $363.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$188	$32
Farm Bureau of Tennessee	$194	$33
Westfield	$262	$44
USAA	$281	$47
Farmers	$288	$49
Travelers	$295	$50
Progressive	$308	$52
Erie	$329	$55
State Farm	$329	$55
Auto-Owners Insurance Co	$336	$58
Grange	$363	$60

Rossville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rossville TN. For example, the car insurance in Rossville after a DUI increases to $1121 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.

Rossville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1121	$186
Not-at-fault accident	$1128	$192
One Med/PIP claim	$1135	$189
One comp claim	$1148	$195
Two comp claims	$1162	$193
Two Med/PIP claims	$1162	$198
Failure to wear a seat belt	$1288	$215
Failure to show documents	$1309	$223
Child safety restraint	$1315	$219
Driving without lights	$1315	$224
Cell phone violation	$1336	$223
Driving with expired registration	$1336	$227
Speeding 6 - 10 MPH over limit	$1336	$223
Driving too slowly	$1342	$228
Speeding 11 - 15 MPH over limit	$1342	$224
Speeding in school zone	$1342	$228
Failure to yield	$1349	$225
Following too closely	$1349	$229
Illegal turn	$1349	$225
Speeding 16 - 20 MPH over limit	$1349	$229
Texting while driving	$1349	$225
Improper passing	$1363	$232
Wrong way/wrong lane	$1363	$227
Failure to stop at a red light	$1370	$233
In 65 MPH zone	$1390	$232
Speeding 21 - 25 MPH over limit	$1423	$242
At-fault accident - less than $1000	$1443	$241
Passing school bus	$1443	$245
Operating a vehicle without permission	$1530	$255
Open container	$1544	$262
At-fault accident - $1000-$2000	$1664	$278
At-fault accident - greater than $2000	$1664	$283
Reckless driving	$2101	$350
Racing	$2107	$358
Driving with a suspended license	$2162	$360
Refusal to submit to a chemical test	$2201	$374
DUI	$2242	$374
Leaving scene of an accident/hit and run	$2242	$381

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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 Rossville 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 Rossville.

The cheapest car insurance premiums in Rossville are offered by Tennessee Farm Bureau at $295 for a six-month policy. However, it can be as expensive as $1852 with companies like Allstate.

Rossville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$295	$50
Farmers	$342	$58
Erie	$349	$60
Grange	$457	$76
Travelers	$564	$95
State Farm	$812	$137
Progressive	$845	$142
USAA	$959	$162
Tennessee Farmers	$1302	$221
Allstate	$1852	$308

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 Rossville are offered by Westfield at $181. However, it can be as expensive as $308 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Rossville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$31
Tennessee Farm Bureau	$188	$32
Erie	$215	$36
Auto-Owners Insurance Co	$262	$44
State Farm	$262	$44
Cincinnati	$276	$46
Travelers	$295	$50
Chubb	$302	$51
Progressive	$308	$52

Car Insurance Price Trends in Rossville, Tennessee

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

The average cost of full coverage in the Rossville remained steady at $108 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Rossville remained steady at $42 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 Rossville?

The car insurance in Rossville is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Rossville?

The cheapest car insurance in Rossville is $80 per month for full coverage.

How much is car insurance in Rossville for teenagers?

Car insurance for teenagers costs $181 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 Rossville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $155 per month to insure your car in Rossville.

Is car insurance expensive in Rossville?

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

Cheapest Car Insurance Quotes in Rossville

Why you can trust Way?

How Much Is Car Insurance in Rossville

Avg. Car Insurance in Rossville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Rossville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Rossville Car Insurance Rates by Company

Cheap Car Insurance Companies in Rossville, TN

Way's key takeaways about car insurance in Rossville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rossville

Cheapest Liability Coverage in Rossville, TN

Cheapest Full Coverage Car Insurance in Rossville

Cheapest Full Coverage Car Insurance Quotes in Rossville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rossville by Rating Factor

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

Car Insurance Premiums by Age in Rossville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rossville,TN

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

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 Rossville

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

Rossville Car Insurance Rates by Violation

Rossville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rossville after a DUI

Rossville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rossville after Speeding ticket

Car Insurance Price Trends in Rossville, Tennessee

Average Car Insurance Cost in Rossville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rossville, TN

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

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