Cheapest Car Insurance Quotes in Shiloh

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Shiloh 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 Shiloh

The car insurance rate in Shiloh is $957 for a six-month policy, which is $79 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $467, making it a popular choice for budget-conscious drivers. Rates in Shiloh 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 Shiloh

$957

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Shiloh

1st place: AutoOwners Insurance Co

At $467 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 $492 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 $524 for six months, making it the third cheapest auto insurance company in Shiloh.

Shiloh Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shiloh, TN is AutoOwners Insurance Co, offering policies at just $467 for a six-month term. This is followed by Westfield, which has an average six-month premium of $492.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1573 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shiloh drivers find the best deals.

Cheap Car Insurance Companies in Shiloh, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$467	$80
Westfield	$492	$82
Tennessee Farm Bureau	$524	$89
Erie	$731	$123
Travelers	$764	$129
USAA	$828	$140
Grange	$900	$152
Farm Bureau of Tennessee	$932	$156
Auto-Owners	$958	$162
Farmers	$1036	$174
Tennessee Farmers	$1042	$178
Penn National	$1127	$187
Nationwide	$1249	$213
State Farm	$1262	$213
Progressive	$1438	$242
Allstate	$1573	$263

Key Takeaways

Way's key takeaways about car insurance in Shiloh

The auto insurance costs in Shiloh fall around $467 for six months.
The cheapest auto insurance company in Shiloh is Westfield.
Teen drivers pay the highest rate in Shiloh at $980 per month.

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Cheapest Minimum Liability Car Insurance in Shiloh

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 Shiloh are given below.

Westfield provides the cheapest minimum car insurance coverage in Shiloh. Their Average 6 Month Premium is $149. Allstate is the most expensive at $524 for the same period.

Cheapest Liability Coverage in Shiloh, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Auto-Owners Insurance Co	$174	$29
Tennessee Farm Bureau	$181	$31
Farm Bureau of Tennessee	$187	$32
Tennessee Farmers	$214	$36
USAA	$214	$36
Cincinnati	$220	$37
Erie	$246	$41
Travelers	$246	$41
Penn National	$266	$45
Auto-Owners	$278	$47
Farmers	$304	$51
State Farm	$317	$53
Progressive	$356	$60
Allstate	$524	$88

Cheapest Full Coverage Car Insurance in Shiloh

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 Shiloh is AutoOwners Insurance Co at $80 per month and $467 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shiloh, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$467	$80
Westfield	$492	$82
Tennessee Farm Bureau	$524	$89
Erie	$731	$123
Travelers	$764	$129
USAA	$828	$140
Grange	$900	$152
Farm Bureau of Tennessee	$932	$156
Auto-Owners	$958	$162
Farmers	$1036	$174
Tennessee Farmers	$1042	$178
Penn National	$1127	$187
Nationwide	$1249	$213
State Farm	$1262	$213
Progressive	$1438	$242
Allstate	$1573	$263

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Average Car Insurance in Shiloh 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 Shiloh, TN increasing?

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

Car Insurance Premiums by Age in Shiloh

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 Shiloh,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Shiloh at $29 per month. At $5763 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Tennessee Farm Bureau	$246	$41
Auto-Owners Insurance Co	$259	$44
Grange	$278	$47
Cincinnati	$284	$48
Erie	$958	$161
USAA	$958	$161
Travelers	$1010	$170
State Farm	$1528	$257
Farmers	$1748	$294
Progressive	$2583	$435
Auto-Owners	$3321	$554
Allstate	$5763	$980

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 Shiloh, Tennessee Farm Bureau is the cheapest car insurance provider. At $207 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 Shiloh is State Farm, offering rates of around $5426 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$207	$35
Westfield	$271	$46
Grange	$324	$55
Cincinnati	$382	$65
Travelers	$971	$164
Farmers	$1121	$189
USAA	$1146	$191
Progressive	$1288	$217
Erie	$1315	$221
Auto-Owners	$2532	$431
Allstate	$2739	$457
State Farm	$5426	$922

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

Car Insurance Rates with An Accident in Shiloh

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

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

The cheapest car insurance companies after an at-fault accident in Shiloh include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $181 and $187, respectively. Allstate is an expensive provider with an average six-month premium of $3140.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$181	$31
Farm Bureau of Tennessee	$187	$32
Westfield	$253	$43
Auto-Owners Insurance Co	$324	$56
Grange	$350	$58
Travelers	$537	$90
Erie	$590	$99
USAA	$602	$101
State Farm	$641	$108
Farmers	$731	$123
Progressive	$1121	$189
Auto-Owners	$1632	$278
Allstate	$3140	$523

Shiloh Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shiloh TN. For example, the car insurance in Shiloh after a DUI increases to $1082 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Shiloh auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1081	$180
Not-at-fault accident	$1088	$185
One Med/PIP claim	$1094	$182
One comp claim	$1107	$189
Two comp claims	$1121	$186
Two Med/PIP claims	$1121	$191
Failure to wear a seat belt	$1243	$207
Failure to show documents	$1262	$215
Child safety restraint	$1269	$211
Driving without lights	$1269	$216
Cell phone violation	$1288	$215
Driving with expired registration	$1288	$219
Speeding 6 - 10 MPH over limit	$1288	$215
Driving too slowly	$1295	$220
Speeding 11 - 15 MPH over limit	$1295	$216
Speeding in school zone	$1295	$220
Failure to yield	$1301	$217
Following too closely	$1301	$221
Illegal turn	$1301	$217
Speeding 16 - 20 MPH over limit	$1301	$221
Texting while driving	$1301	$217
Improper passing	$1315	$223
Wrong way/wrong lane	$1315	$219
Failure to stop at a red light	$1321	$225
In 65 MPH zone	$1341	$223
Speeding 21 - 25 MPH over limit	$1372	$233
At-fault accident - less than $1000	$1392	$232
Passing school bus	$1392	$237
Operating a vehicle without permission	$1476	$246
Open container	$1489	$253
At-fault accident - $1000-$2000	$1606	$268
At-fault accident - greater than $2000	$1606	$273
Reckless driving	$2026	$338
Racing	$2033	$346
Driving with a suspended license	$2085	$348
Refusal to submit to a chemical test	$2123	$361
DUI	$2163	$361
Leaving scene of an accident/hit and run	$2163	$367

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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 Shiloh 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 Shiloh.

The cheapest car insurance premiums in Shiloh are offered by Tennessee Farm Bureau at $284 for a six-month policy. However, it can be as expensive as $2279 with companies like AutoOwners.

Shiloh car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$284	$48
Grange	$440	$73
Travelers	$751	$126
Farmers	$861	$145
USAA	$1024	$172
Erie	$1062	$179
Progressive	$1068	$180
Tennessee Farmers	$1256	$209
State Farm	$1269	$214
Allstate	$1949	$328
Auto-Owners	$2279	$388

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 Shiloh are offered by Westfield at $174. However, it can be as expensive as $2299 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shiloh after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Tennessee Farm Bureau	$181	$31
Auto-Owners Insurance Co	$253	$43
Cincinnati	$266	$45
Chubb	$291	$49
Erie	$628	$106
Travelers	$744	$125
USAA	$764	$130
State Farm	$828	$140
Auto-Owners	$958	$162
Progressive	$1198	$202
Farmers	$1632	$278
Allstate	$2299	$383

Car Insurance Price Trends in Shiloh, Tennessee

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

The average cost of full coverage in the Shiloh rose by $190 in January compared to $105 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 Shiloh rose to $46 in January, compared to $40 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 Shiloh?

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

What is the cheapest car insurance in Shiloh?

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

How much is car insurance in Shiloh for teenagers?

Car insurance for teenagers costs $174 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 Shiloh?

The average cost of car insurance is $878 for a six-month policy. It will cost around $161 per month to insure your car in Shiloh.

Is car insurance expensive in Shiloh?

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

Cheapest Car Insurance Quotes in Shiloh

Why you can trust Way?

How Much Is Car Insurance in Shiloh

Avg. Car Insurance in Shiloh

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Shiloh

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Shiloh Car Insurance Rates by Company

Cheap Car Insurance Companies in Shiloh, TN

Way's key takeaways about car insurance in Shiloh

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shiloh

Cheapest Liability Coverage in Shiloh, TN

Cheapest Full Coverage Car Insurance in Shiloh

Cheapest Full Coverage Car Insurance Quotes in Shiloh, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shiloh by Rating Factor

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

Car Insurance Premiums by Age in Shiloh

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shiloh,TN

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

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 Shiloh

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

Shiloh Car Insurance Rates by Violation

Shiloh auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shiloh after a DUI

Shiloh car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shiloh after Speeding ticket

Car Insurance Price Trends in Shiloh, Tennessee

Average Car Insurance Cost in Shiloh by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shiloh, TN

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

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