Cheapest Car Insurance Quotes in Sharon

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Sharon Car Insurance

^$ 25

/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 Sharon

The car insurance rate in Sharon is $966 for a six-month policy, which is $88 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Sharon 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 Sharon

$966

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Sharon

1st place: AutoOwners Insurance Co

At $471 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 $496 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 $529 for six months, making it the third cheapest auto insurance company in Sharon.

Sharon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sharon, TN is AutoOwners Insurance Co, offering policies at just $471 for a six-month term. This is followed by Westfield, which has an average six-month premium of $496.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1587 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sharon drivers find the best deals.

Cheap Car Insurance Companies in Sharon, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$471	$80
Westfield	$496	$83
Tennessee Farm Bureau	$529	$90
Erie	$738	$124
Travelers	$771	$130
USAA	$836	$141
Grange	$909	$153
Farm Bureau of Tennessee	$941	$157
Auto-Owners	$967	$164
Farmers	$1045	$176
Tennessee Farmers	$1052	$179
Penn National	$1137	$189
Nationwide	$1261	$215
State Farm	$1274	$215
Progressive	$1451	$244
Allstate	$1587	$265

Key Takeaways

Way's key takeaways about car insurance in Sharon

The auto insurance costs in Sharon fall around $471 for six months.
The cheapest auto insurance company in Sharon is Westfield.
Teen drivers pay the highest rate in Sharon at $989 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Sharon

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 Sharon are given below.

Westfield provides the cheapest minimum car insurance coverage in Sharon. Their Average 6 Month Premium is $151. Allstate is the most expensive at $529 for the same period.

Cheapest Liability Coverage in Sharon, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$25
Auto-Owners Insurance Co	$176	$30
Tennessee Farm Bureau	$183	$31
Farm Bureau of Tennessee	$189	$32
Tennessee Farmers	$216	$36
USAA	$216	$36
Cincinnati	$222	$37
Erie	$249	$42
Travelers	$249	$42
Penn National	$268	$45
Auto-Owners	$281	$47
Farmers	$307	$52
State Farm	$320	$54
Progressive	$360	$61
Allstate	$529	$89

Cheapest Full Coverage Car Insurance in Sharon

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 Sharon is AutoOwners Insurance Co at $80 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sharon, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$471	$80
Westfield	$496	$83
Tennessee Farm Bureau	$529	$90
Erie	$738	$124
Travelers	$771	$130
USAA	$836	$141
Grange	$909	$153
Farm Bureau of Tennessee	$941	$157
Auto-Owners	$967	$164
Farmers	$1045	$176
Tennessee Farmers	$1052	$179
Penn National	$1137	$189
Nationwide	$1261	$215
State Farm	$1274	$215
Progressive	$1451	$244
Allstate	$1587	$265

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Average Car Insurance in Sharon 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 Sharon, TN increasing?

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

Car Insurance Premiums by Age in Sharon

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 Sharon,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Sharon at $30 per month. At $5816 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$176	$30
Tennessee Farm Bureau	$249	$42
Auto-Owners Insurance Co	$262	$44
Grange	$281	$47
Cincinnati	$287	$48
Erie	$967	$163
USAA	$967	$163
Travelers	$1020	$172
State Farm	$1542	$260
Farmers	$1764	$297
Progressive	$2607	$439
Auto-Owners	$3352	$559
Allstate	$5816	$989

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 Sharon, Tennessee Farm Bureau is the cheapest car insurance provider. At $209 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 Sharon is State Farm, offering rates of around $5476 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$209	$35
Westfield	$274	$46
Grange	$327	$55
Cincinnati	$385	$66
Travelers	$980	$165
Farmers	$1131	$190
USAA	$1156	$193
Progressive	$1300	$219
Erie	$1327	$223
Auto-Owners	$2555	$435
Allstate	$2764	$461
State Farm	$5476	$931

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

Car Insurance Rates with An Accident in Sharon

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

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

The cheapest car insurance companies after an at-fault accident in Sharon include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $183 and $189, respectively. Allstate is an expensive provider with an average six-month premium of $3169.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$183	$31
Farm Bureau of Tennessee	$189	$32
Westfield	$255	$43
Auto-Owners Insurance Co	$327	$56
Grange	$353	$58
Travelers	$542	$91
Erie	$595	$100
USAA	$607	$102
State Farm	$647	$109
Farmers	$738	$124
Progressive	$1131	$190
Auto-Owners	$1647	$281
Allstate	$3169	$528

Sharon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sharon TN. For example, the car insurance in Sharon after a DUI increases to $1091 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Sharon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1091	$182
Not-at-fault accident	$1098	$187
One Med/PIP claim	$1104	$184
One comp claim	$1118	$190
Two comp claims	$1131	$188
Two Med/PIP claims	$1131	$193
Failure to wear a seat belt	$1254	$209
Failure to show documents	$1274	$217
Child safety restraint	$1280	$213
Driving without lights	$1280	$218
Cell phone violation	$1300	$217
Driving with expired registration	$1300	$221
Speeding 6 - 10 MPH over limit	$1300	$217
Driving too slowly	$1307	$222
Speeding 11 - 15 MPH over limit	$1307	$218
Speeding in school zone	$1307	$222
Failure to yield	$1313	$219
Following too closely	$1313	$223
Illegal turn	$1313	$219
Speeding 16 - 20 MPH over limit	$1313	$223
Texting while driving	$1313	$219
Improper passing	$1327	$226
Wrong way/wrong lane	$1327	$221
Failure to stop at a red light	$1333	$227
In 65 MPH zone	$1353	$226
Speeding 21 - 25 MPH over limit	$1385	$235
At-fault accident - less than $1000	$1405	$234
Passing school bus	$1405	$239
Operating a vehicle without permission	$1489	$249
Open container	$1503	$255
At-fault accident - $1000-$2000	$1620	$271
At-fault accident - greater than $2000	$1620	$275
Reckless driving	$2045	$341
Racing	$2052	$349
Driving with a suspended license	$2104	$351
Refusal to submit to a chemical test	$2143	$364
DUI	$2182	$364
Leaving scene of an accident/hit and run	$2182	$371

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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 Sharon 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 Sharon.

The cheapest car insurance premiums in Sharon are offered by Tennessee Farm Bureau at $287 for a six-month policy. However, it can be as expensive as $2300 with companies like AutoOwners.

Sharon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$287	$48
Grange	$444	$74
Travelers	$758	$128
Farmers	$869	$146
USAA	$1033	$174
Erie	$1071	$180
Progressive	$1078	$182
Tennessee Farmers	$1267	$211
State Farm	$1280	$216
Allstate	$1967	$331
Auto-Owners	$2300	$392

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 Sharon are offered by Westfield at $176. However, it can be as expensive as $2320 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sharon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$176	$30
Tennessee Farm Bureau	$183	$31
Auto-Owners Insurance Co	$255	$43
Cincinnati	$268	$45
Chubb	$294	$50
Erie	$634	$107
Travelers	$751	$127
USAA	$771	$131
State Farm	$836	$141
Auto-Owners	$967	$164
Progressive	$1209	$204
Farmers	$1647	$281
Allstate	$2320	$386

Car Insurance Price Trends in Sharon, Tennessee

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

The average cost of full coverage in the Sharon rose by $191 in January compared to $106 of December. In other words, there has been an increase by $85 when you compare January and December.

The average cost of liability insurance in the Sharon rose to $46 in January, compared to $41 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sharon?

The car insurance in Sharon is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Sharon?

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

How much is car insurance in Sharon for teenagers?

Car insurance for teenagers costs $176 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 Sharon?

The average cost of car insurance is $878 for a six-month policy. It will cost around $163 per month to insure your car in Sharon.

Is car insurance expensive in Sharon?

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

Cheapest Car Insurance Quotes in Sharon

Why you can trust Way?

How Much Is Car Insurance in Sharon

Avg. Car Insurance in Sharon

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Sharon

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Sharon Car Insurance Rates by Company

Cheap Car Insurance Companies in Sharon, TN

Way's key takeaways about car insurance in Sharon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sharon

Cheapest Liability Coverage in Sharon, TN

Cheapest Full Coverage Car Insurance in Sharon

Cheapest Full Coverage Car Insurance Quotes in Sharon, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sharon by Rating Factor

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

Car Insurance Premiums by Age in Sharon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sharon,TN

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

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 Sharon

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

Sharon Car Insurance Rates by Violation

Sharon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sharon after a DUI

Sharon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sharon after Speeding ticket

Car Insurance Price Trends in Sharon, Tennessee

Average Car Insurance Cost in Sharon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sharon, TN

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

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