Cheapest Car Insurance Quotes in Saulsbury

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Saulsbury Car Insurance

^$ 30

/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 $1159 for a six-month policy, which is $281 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $565, 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

$1159

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Saulsbury

1st place: AutoOwners Insurance Co

At $565 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 $595 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 $635 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 $565 for a six-month term. This is followed by Westfield, which has an average six-month premium of $595.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1905 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	$565	$96
Westfield	$595	$99
Tennessee Farm Bureau	$635	$108
Erie	$886	$149
Travelers	$925	$156
USAA	$1003	$169
Grange	$1090	$183
Farm Bureau of Tennessee	$1129	$189
Auto-Owners	$1160	$197
Farmers	$1254	$211
Tennessee Farmers	$1262	$215
Penn National	$1365	$227
Nationwide	$1513	$257
State Farm	$1529	$257
Progressive	$1741	$293
Allstate	$1905	$318

Key Takeaways

Way's key takeaways about car insurance in Saulsbury

The auto insurance costs in Saulsbury fall around $565 for six months.
The cheapest auto insurance company in Saulsbury is Westfield.
Teen drivers pay the highest rate in Saulsbury at $1187 per month.

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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 $181. Allstate is the most expensive at $635 for the same period.

Cheapest Liability Coverage in Saulsbury, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Auto-Owners Insurance Co	$211	$36
Tennessee Farm Bureau	$219	$37
Farm Bureau of Tennessee	$227	$38
Tennessee Farmers	$259	$44
USAA	$259	$44
Cincinnati	$267	$45
Erie	$298	$50
Travelers	$298	$50
Penn National	$322	$54
Auto-Owners	$337	$57
Farmers	$368	$62
State Farm	$384	$65
Progressive	$432	$73
Allstate	$635	$107

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 $96 per month and $565 for six months.

Cheapest Full Coverage Car Insurance Quotes in Saulsbury, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$565	$96
Westfield	$595	$99
Tennessee Farm Bureau	$635	$108
Erie	$886	$149
Travelers	$925	$156
USAA	$1003	$169
Grange	$1090	$183
Farm Bureau of Tennessee	$1129	$189
Auto-Owners	$1160	$197
Farmers	$1254	$211
Tennessee Farmers	$1262	$215
Penn National	$1365	$227
Nationwide	$1513	$257
State Farm	$1529	$257
Progressive	$1741	$293
Allstate	$1905	$318

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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

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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 $36 per month. At $6979 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$36
Tennessee Farm Bureau	$298	$50
Auto-Owners Insurance Co	$314	$53
Grange	$337	$57
Cincinnati	$345	$58
Erie	$1160	$195
USAA	$1160	$195
Travelers	$1224	$206
State Farm	$1851	$312
Farmers	$2117	$356
Progressive	$3128	$527
Auto-Owners	$4022	$671
Allstate	$6979	$1187

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 Saulsbury, Tennessee Farm Bureau is the cheapest car insurance provider. At $251 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 State Farm, offering rates of around $6571 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$251	$42
Westfield	$329	$55
Grange	$392	$66
Cincinnati	$462	$79
Travelers	$1176	$198
Farmers	$1357	$228
USAA	$1387	$231
Progressive	$1560	$263
Erie	$1592	$268
Auto-Owners	$3066	$521
Allstate	$3317	$553
State Farm	$6571	$1117

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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 $219 and $227, respectively. Allstate is an expensive provider with an average six-month premium of $3803.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$219	$37
Farm Bureau of Tennessee	$227	$38
Westfield	$306	$51
Auto-Owners Insurance Co	$392	$67
Grange	$424	$70
Travelers	$651	$110
Erie	$714	$120
USAA	$729	$123
State Farm	$776	$131
Farmers	$886	$149
Progressive	$1357	$228
Auto-Owners	$1976	$337
Allstate	$3803	$634

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 $1310 for a six month policy. While the rate increases by $251 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	$1309	$218
Not-at-fault accident	$1317	$224
One Med/PIP claim	$1325	$220
One comp claim	$1341	$228
Two comp claims	$1357	$226
Two Med/PIP claims	$1357	$231
Failure to wear a seat belt	$1505	$251
Failure to show documents	$1529	$260
Child safety restraint	$1536	$256
Driving without lights	$1536	$261
Cell phone violation	$1560	$260
Driving with expired registration	$1560	$265
Speeding 6 - 10 MPH over limit	$1560	$260
Driving too slowly	$1568	$267
Speeding 11 - 15 MPH over limit	$1568	$261
Speeding in school zone	$1568	$267
Failure to yield	$1576	$263
Following too closely	$1576	$268
Illegal turn	$1576	$263
Speeding 16 - 20 MPH over limit	$1576	$268
Texting while driving	$1576	$263
Improper passing	$1592	$271
Wrong way/wrong lane	$1592	$265
Failure to stop at a red light	$1600	$272
In 65 MPH zone	$1624	$271
Speeding 21 - 25 MPH over limit	$1662	$282
At-fault accident - less than $1000	$1686	$281
Passing school bus	$1686	$286
Operating a vehicle without permission	$1787	$298
Open container	$1803	$306
At-fault accident - $1000-$2000	$1944	$325
At-fault accident - greater than $2000	$1944	$330
Reckless driving	$2454	$409
Racing	$2462	$418
Driving with a suspended license	$2525	$421
Refusal to submit to a chemical test	$2571	$437
DUI	$2619	$437
Leaving scene of an accident/hit and run	$2619	$445

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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 $345 for a six-month policy. However, it can be as expensive as $2760 with companies like AutoOwners.

Saulsbury car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$345	$58
Grange	$533	$88
Travelers	$909	$153
Farmers	$1043	$176
USAA	$1239	$209
Erie	$1286	$216
Progressive	$1294	$218
Tennessee Farmers	$1521	$253
State Farm	$1536	$259
Allstate	$2360	$397
Auto-Owners	$2760	$470

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 $211. However, it can be as expensive as $2784 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Saulsbury after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$36
Tennessee Farm Bureau	$219	$37
Auto-Owners Insurance Co	$306	$51
Cincinnati	$322	$54
Chubb	$352	$59
Erie	$760	$128
Travelers	$902	$152
USAA	$925	$157
State Farm	$1003	$169
Auto-Owners	$1160	$197
Progressive	$1451	$244
Farmers	$1976	$337
Allstate	$2784	$463

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 rose by $230 in January compared to $127 of December. In other words, there has been an increase by $103 when you compare January and December.

The average cost of liability insurance in the Saulsbury rose to $55 in January, compared to $49 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 Saulsbury?

The car insurance in Saulsbury is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Saulsbury?

The cheapest car insurance in Saulsbury is $96 per month for full coverage.

How much is car insurance in Saulsbury for teenagers?

Car insurance for teenagers costs $211 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 $878 for a six-month policy. It will cost around $195 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: Westfield

3rd place: Tennessee Farm Bureau

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 N/A 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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