Cheapest Car Insurance Quotes in Rossville

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Rossville Car Insurance

^$ 27

/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 $1045 for a six-month policy, which is $167 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, 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

$1045

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Rossville

1st place: AutoOwners Insurance Co

At $509 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 $537 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 $572 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 $509 for a six-month term. This is followed by Westfield, which has an average six-month premium of $537.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1717 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	$509	$87
Westfield	$537	$89
Tennessee Farm Bureau	$572	$98
Erie	$798	$134
Travelers	$834	$140
USAA	$904	$152
Grange	$983	$165
Farm Bureau of Tennessee	$1017	$170
Auto-Owners	$1046	$177
Farmers	$1131	$190
Tennessee Farmers	$1138	$194
Penn National	$1230	$205
Nationwide	$1364	$232
State Farm	$1378	$232
Progressive	$1570	$264
Allstate	$1717	$287

Key Takeaways

Way's key takeaways about car insurance in Rossville

The auto insurance costs in Rossville fall around $509 for six months.
The cheapest auto insurance company in Rossville is Westfield.
Teen drivers pay the highest rate in Rossville at $1070 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 $163. Allstate is the most expensive at $572 for the same period.

Cheapest Liability Coverage in Rossville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$27
Auto-Owners Insurance Co	$190	$32
Tennessee Farm Bureau	$198	$33
Farm Bureau of Tennessee	$205	$35
Tennessee Farmers	$233	$39
USAA	$233	$39
Cincinnati	$240	$40
Erie	$269	$45
Travelers	$269	$45
Penn National	$290	$49
Auto-Owners	$303	$51
Farmers	$332	$56
State Farm	$346	$58
Progressive	$389	$65
Allstate	$572	$96

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 $87 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rossville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$509	$87
Westfield	$537	$89
Tennessee Farm Bureau	$572	$98
Erie	$798	$134
Travelers	$834	$140
USAA	$904	$152
Grange	$983	$165
Farm Bureau of Tennessee	$1017	$170
Auto-Owners	$1046	$177
Farmers	$1131	$190
Tennessee Farmers	$1138	$194
Penn National	$1230	$205
Nationwide	$1364	$232
State Farm	$1378	$232
Progressive	$1570	$264
Allstate	$1717	$287

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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

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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 $32 per month. At $6292 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
Tennessee Farm Bureau	$269	$45
Auto-Owners Insurance Co	$283	$48
Grange	$303	$51
Cincinnati	$311	$52
Erie	$1046	$176
USAA	$1046	$176
Travelers	$1103	$186
State Farm	$1668	$281
Farmers	$1909	$321
Progressive	$2820	$475
Auto-Owners	$3626	$605
Allstate	$6292	$1070

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 Rossville, Tennessee Farm Bureau is the cheapest car insurance provider. At $226 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 State Farm, offering rates of around $5924 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$226	$38
Westfield	$296	$50
Grange	$353	$60
Cincinnati	$417	$71
Travelers	$1060	$179
Farmers	$1223	$206
USAA	$1251	$208
Progressive	$1407	$237
Erie	$1435	$242
Auto-Owners	$2764	$470
Allstate	$2990	$499
State Farm	$5924	$1007

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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 $198 and $205, respectively. Allstate is an expensive provider with an average six-month premium of $3428.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$198	$33
Farm Bureau of Tennessee	$205	$35
Westfield	$276	$46
Auto-Owners Insurance Co	$353	$61
Grange	$382	$63
Travelers	$587	$99
Erie	$644	$108
USAA	$657	$111
State Farm	$700	$118
Farmers	$798	$134
Progressive	$1223	$206
Auto-Owners	$1781	$303
Allstate	$3428	$571

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 $1181 for a six month policy. While the rate increases by $227 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	$1180	$196
Not-at-fault accident	$1188	$202
One Med/PIP claim	$1195	$199
One comp claim	$1209	$206
Two comp claims	$1223	$203
Two Med/PIP claims	$1223	$208
Failure to wear a seat belt	$1357	$226
Failure to show documents	$1378	$234
Child safety restraint	$1385	$231
Driving without lights	$1385	$236
Cell phone violation	$1407	$234
Driving with expired registration	$1407	$239
Speeding 6 - 10 MPH over limit	$1407	$234
Driving too slowly	$1414	$240
Speeding 11 - 15 MPH over limit	$1414	$236
Speeding in school zone	$1414	$240
Failure to yield	$1421	$237
Following too closely	$1421	$242
Illegal turn	$1421	$237
Speeding 16 - 20 MPH over limit	$1421	$242
Texting while driving	$1421	$237
Improper passing	$1435	$244
Wrong way/wrong lane	$1435	$239
Failure to stop at a red light	$1442	$245
In 65 MPH zone	$1464	$244
Speeding 21 - 25 MPH over limit	$1498	$255
At-fault accident - less than $1000	$1520	$253
Passing school bus	$1520	$258
Operating a vehicle without permission	$1611	$269
Open container	$1626	$276
At-fault accident - $1000-$2000	$1753	$293
At-fault accident - greater than $2000	$1753	$298
Reckless driving	$2212	$369
Racing	$2219	$377
Driving with a suspended license	$2276	$380
Refusal to submit to a chemical test	$2318	$394
DUI	$2361	$394
Leaving scene of an accident/hit and run	$2361	$401

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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 $311 for a six-month policy. However, it can be as expensive as $2488 with companies like AutoOwners.

Rossville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$311	$52
Grange	$481	$80
Travelers	$820	$138
Farmers	$940	$158
USAA	$1117	$188
Erie	$1159	$195
Progressive	$1166	$196
Tennessee Farmers	$1371	$228
State Farm	$1385	$233
Allstate	$2128	$358
Auto-Owners	$2488	$424

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 $190. However, it can be as expensive as $2510 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rossville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
Tennessee Farm Bureau	$198	$33
Auto-Owners Insurance Co	$276	$46
Cincinnati	$290	$49
Chubb	$318	$54
Erie	$685	$115
Travelers	$813	$137
USAA	$834	$142
State Farm	$904	$152
Auto-Owners	$1046	$177
Progressive	$1308	$220
Farmers	$1781	$303
Allstate	$2510	$418

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 rose by $207 in January compared to $114 of December. In other words, there has been an increase by $93 when you compare January and December.

The average cost of liability insurance in the Rossville rose to $50 in January, compared to $44 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rossville?

The car insurance in Rossville is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Rossville?

The cheapest car insurance in Rossville is $87 per month for full coverage.

How much is car insurance in Rossville for teenagers?

Car insurance for teenagers costs $190 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 $878 for a six-month policy. It will cost around $176 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: Westfield

3rd place: Tennessee Farm Bureau

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 N/A 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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