Cheapest Car Insurance Quotes in Saulsbury

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Saulsbury 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 Saulsbury

The car insurance rate in Saulsbury is $971 for a six-month policy, which is $155 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 Saulsbury 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 Saulsbury

$971

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Saulsbury

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: Erie

Erie offers auto insurance rates at $537 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $537 for six months, making it the third cheapest auto insurance company in Saulsbury.

Saulsbury Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Saulsbury, TN is AutoOwners Insurance Co, offering policies at just $509 for a six-month term. This is followed by Erie, which has an average six-month premium of $537.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1626 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Saulsbury drivers find the best deals.

Cheap Car Insurance Companies in Saulsbury, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$509	$84
Erie	$537	$92
Westfield	$537	$89
Tennessee Farm Bureau	$572	$98
Travelers	$798	$134
Farmers	$969	$163
USAA	$976	$164
Grange	$983	$165
Farm Bureau of Tennessee	$1017	$170
Tennessee Farmers	$1138	$194
Penn National	$1230	$205
State Farm	$1344	$228
Nationwide	$1364	$227
Progressive	$1626	$276

Key Takeaways

Way's key takeaways about car insurance in Saulsbury

The auto insurance costs in Saulsbury fall around $509 for six months.
The cheapest auto insurance company in Saulsbury is Westfield.
Teen drivers pay the highest rate in Saulsbury at $57 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Saulsbury

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 Saulsbury are given below.

Westfield provides the cheapest minimum car insurance coverage in Saulsbury. Their Average 6 Month Premium is $163. AutoOwners is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Saulsbury, 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	$255	$43
Travelers	$255	$43
Farmers	$269	$45
Penn National	$290	$49
Progressive	$318	$54
State Farm	$318	$54
Allstate	$516	$88
Auto-Owners	$233	$39

Cheapest Full Coverage Car Insurance in Saulsbury

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 Saulsbury is AutoOwners Insurance Co at $84 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Saulsbury, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$509	$84
Erie	$537	$92
Westfield	$537	$89
Tennessee Farm Bureau	$572	$98
Travelers	$798	$134
Farmers	$969	$163
USAA	$976	$164
Grange	$983	$165
Farm Bureau of Tennessee	$1017	$170
Tennessee Farmers	$1138	$194
Penn National	$1230	$205
State Farm	$1344	$228
Nationwide	$1364	$227
Progressive	$1626	$276

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Average Car Insurance in Saulsbury 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 Saulsbury, TN increasing?

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

Car Insurance Premiums by Age in Saulsbury

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	$721
30s	Penn National	$496
40s	Penn National	$450
50s	Penn National	$417
60s	Penn National	$437
70s	Penn National	$502

Cheapest Car Insurance Rates for Teen Drivers in Saulsbury,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Saulsbury at $32 per month. At $339 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
USAA	$226	$38
Tennessee Farm Bureau	$269	$45
Travelers	$269	$45
Auto-Owners Insurance Co	$283	$48
Farmers	$303	$51
Grange	$303	$51
Progressive	$303	$51
Cincinnati	$311	$52
Erie	$311	$52
State Farm	$339	$57

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 Saulsbury.

As young drivers face the highest rates in Saulsbury, Penn National offers the cheapest auto insurance rates at $721 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 Saulsbury, 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 Saulsbury is Erie, offering rates of around $445 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$226	$38
Westfield	$296	$50
Grange	$353	$61
Farmers	$382	$63
Progressive	$382	$65
Travelers	$382	$63
Cincinnati	$417	$71
Erie	$445	$74

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

Car Insurance Rates with An Accident in Saulsbury

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

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

The cheapest car insurance companies after an at-fault accident in Saulsbury include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $198 and $205, respectively. Grange is an expensive provider with an average six-month premium of $382.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$198	$33
Farm Bureau of Tennessee	$205	$35
Westfield	$276	$46
USAA	$296	$50
Farmers	$303	$51
Travelers	$311	$52
Progressive	$325	$55
Erie	$346	$58
State Farm	$346	$58
Auto-Owners Insurance Co	$353	$61
Grange	$382	$63

Saulsbury Car Insurance Rates by Violation

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

Saulsbury 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 Saulsbury 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 Saulsbury.

The cheapest car insurance premiums in Saulsbury are offered by Tennessee Farm Bureau at $311 for a six-month policy. However, it can be as expensive as $1950 with companies like Allstate.

Saulsbury car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$311	$52
Farmers	$361	$61
Erie	$368	$63
Grange	$481	$80
Travelers	$594	$100
State Farm	$856	$144
Progressive	$890	$150
USAA	$1010	$170
Tennessee Farmers	$1371	$233
Allstate	$1950	$325

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 Saulsbury are offered by Westfield at $190. However, it can be as expensive as $325 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Saulsbury after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
Tennessee Farm Bureau	$198	$33
Erie	$226	$38
Auto-Owners Insurance Co	$276	$46
State Farm	$276	$46
Cincinnati	$290	$49
Travelers	$311	$52
Chubb	$318	$54
Progressive	$325	$55

Car Insurance Price Trends in Saulsbury, Tennessee

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

The average cost of full coverage in the Saulsbury remained steady at $114 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Saulsbury remained steady at $44 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 Saulsbury?

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

What is the cheapest car insurance in Saulsbury?

The cheapest car insurance in Saulsbury is $84 per month for full coverage.

How much is car insurance in Saulsbury 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 Saulsbury?

The average cost of car insurance is $816 for a six-month policy. It will cost around $163 per month to insure your car in Saulsbury.

Is car insurance expensive in Saulsbury?

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

Cheapest Car Insurance Quotes in Saulsbury

Why you can trust Way?

How Much Is Car Insurance in Saulsbury

Avg. Car Insurance in Saulsbury

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Saulsbury

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Saulsbury Car Insurance Rates by Company

Cheap Car Insurance Companies in Saulsbury, TN

Way's key takeaways about car insurance in Saulsbury

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Saulsbury

Cheapest Liability Coverage in Saulsbury, TN

Cheapest Full Coverage Car Insurance in Saulsbury

Cheapest Full Coverage Car Insurance Quotes in Saulsbury, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Saulsbury by Rating Factor

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

Car Insurance Premiums by Age in Saulsbury

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Saulsbury,TN

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

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 Saulsbury

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

Saulsbury Car Insurance Rates by Violation

Saulsbury auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Saulsbury after a DUI

Saulsbury car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Saulsbury after Speeding ticket

Car Insurance Price Trends in Saulsbury, Tennessee

Average Car Insurance Cost in Saulsbury by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Saulsbury, TN

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

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