Cheapest Car Insurance Quotes in Somerville

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Somerville Car Insurance

^$ 29

/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 Somerville

The car insurance rate in Somerville is $1106 for a six-month policy, which is $228 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Somerville 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 Somerville

$1106

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Somerville

1st place: AutoOwners Insurance Co

At $539 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 $568 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 $606 for six months, making it the third cheapest auto insurance company in Somerville.

Somerville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Somerville, TN is AutoOwners Insurance Co, offering policies at just $539 for a six-month term. This is followed by Westfield, which has an average six-month premium of $568.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1818 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Somerville drivers find the best deals.

Cheap Car Insurance Companies in Somerville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$539	$92
Westfield	$568	$95
Tennessee Farm Bureau	$606	$103
Erie	$845	$142
Travelers	$883	$149
USAA	$958	$161
Grange	$1041	$175
Farm Bureau of Tennessee	$1077	$180
Auto-Owners	$1108	$188
Farmers	$1197	$202
Tennessee Farmers	$1205	$205
Penn National	$1303	$217
Nationwide	$1444	$246
State Farm	$1459	$246
Progressive	$1662	$280
Allstate	$1818	$304

Key Takeaways

Way's key takeaways about car insurance in Somerville

The auto insurance costs in Somerville fall around $539 for six months.
The cheapest auto insurance company in Somerville is Westfield.
Teen drivers pay the highest rate in Somerville at $1133 per month.

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Cheapest Minimum Liability Car Insurance in Somerville

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 Somerville are given below.

Westfield provides the cheapest minimum car insurance coverage in Somerville. Their Average 6 Month Premium is $173. Allstate is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Somerville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$202	$34
Tennessee Farm Bureau	$209	$35
Farm Bureau of Tennessee	$217	$37
Tennessee Farmers	$247	$42
USAA	$247	$42
Cincinnati	$255	$43
Erie	$285	$48
Travelers	$285	$48
Penn National	$307	$52
Auto-Owners	$321	$54
Farmers	$352	$59
State Farm	$367	$62
Progressive	$412	$69
Allstate	$606	$102

Cheapest Full Coverage Car Insurance in Somerville

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 Somerville is AutoOwners Insurance Co at $92 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in Somerville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$539	$92
Westfield	$568	$95
Tennessee Farm Bureau	$606	$103
Erie	$845	$142
Travelers	$883	$149
USAA	$958	$161
Grange	$1041	$175
Farm Bureau of Tennessee	$1077	$180
Auto-Owners	$1108	$188
Farmers	$1197	$202
Tennessee Farmers	$1205	$205
Penn National	$1303	$217
Nationwide	$1444	$246
State Farm	$1459	$246
Progressive	$1662	$280
Allstate	$1818	$304

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Average Car Insurance in Somerville 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 Somerville, TN increasing?

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

Car Insurance Premiums by Age in Somerville

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 Somerville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Somerville at $34 per month. At $6662 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$202	$34
Tennessee Farm Bureau	$285	$48
Auto-Owners Insurance Co	$300	$50
Grange	$321	$54
Cincinnati	$329	$55
Erie	$1108	$186
USAA	$1108	$186
Travelers	$1168	$197
State Farm	$1767	$297
Farmers	$2021	$340
Progressive	$2986	$503
Auto-Owners	$3839	$640
Allstate	$6662	$1133

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 Somerville, Tennessee Farm Bureau is the cheapest car insurance provider. At $239 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 Somerville is State Farm, offering rates of around $6272 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$239	$40
Westfield	$314	$53
Grange	$374	$63
Cincinnati	$441	$76
Travelers	$1123	$189
Farmers	$1295	$218
USAA	$1324	$221
Progressive	$1489	$251
Erie	$1520	$256
Auto-Owners	$2927	$498
Allstate	$3166	$528
State Farm	$6272	$1066

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

Car Insurance Rates with An Accident in Somerville

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

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

The cheapest car insurance companies after an at-fault accident in Somerville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $209 and $217, respectively. Allstate is an expensive provider with an average six-month premium of $3630.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$209	$35
Farm Bureau of Tennessee	$217	$37
Westfield	$292	$49
Auto-Owners Insurance Co	$374	$64
Grange	$404	$67
Travelers	$621	$105
Erie	$682	$115
USAA	$696	$117
State Farm	$741	$125
Farmers	$845	$142
Progressive	$1295	$218
Auto-Owners	$1886	$321
Allstate	$3630	$605

Somerville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Somerville TN. For example, the car insurance in Somerville after a DUI increases to $1250 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Somerville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1250	$208
Not-at-fault accident	$1257	$214
One Med/PIP claim	$1265	$210
One comp claim	$1280	$218
Two comp claims	$1295	$215
Two Med/PIP claims	$1295	$221
Failure to wear a seat belt	$1436	$239
Failure to show documents	$1459	$248
Child safety restraint	$1467	$244
Driving without lights	$1467	$249
Cell phone violation	$1489	$248
Driving with expired registration	$1489	$253
Speeding 6 - 10 MPH over limit	$1489	$248
Driving too slowly	$1497	$255
Speeding 11 - 15 MPH over limit	$1497	$249
Speeding in school zone	$1497	$255
Failure to yield	$1504	$251
Following too closely	$1504	$256
Illegal turn	$1504	$251
Speeding 16 - 20 MPH over limit	$1504	$256
Texting while driving	$1504	$251
Improper passing	$1520	$258
Wrong way/wrong lane	$1520	$253
Failure to stop at a red light	$1527	$260
In 65 MPH zone	$1550	$258
Speeding 21 - 25 MPH over limit	$1586	$270
At-fault accident - less than $1000	$1609	$268
Passing school bus	$1609	$273
Operating a vehicle without permission	$1706	$285
Open container	$1721	$292
At-fault accident - $1000-$2000	$1856	$310
At-fault accident - greater than $2000	$1856	$315
Reckless driving	$2342	$391
Racing	$2350	$399
Driving with a suspended license	$2410	$402
Refusal to submit to a chemical test	$2454	$417
DUI	$2500	$417
Leaving scene of an accident/hit and run	$2500	$425

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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 Somerville 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 Somerville.

The cheapest car insurance premiums in Somerville are offered by Tennessee Farm Bureau at $329 for a six-month policy. However, it can be as expensive as $2635 with companies like AutoOwners.

Somerville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$329	$55
Grange	$509	$84
Travelers	$868	$146
Farmers	$995	$168
USAA	$1183	$199
Erie	$1227	$207
Progressive	$1235	$208
Tennessee Farmers	$1452	$242
State Farm	$1467	$247
Allstate	$2253	$379
Auto-Owners	$2635	$449

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 Somerville are offered by Westfield at $202. However, it can be as expensive as $2657 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Somerville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$202	$34
Tennessee Farm Bureau	$209	$35
Auto-Owners Insurance Co	$292	$49
Cincinnati	$307	$52
Chubb	$336	$57
Erie	$726	$122
Travelers	$861	$145
USAA	$883	$150
State Farm	$958	$161
Auto-Owners	$1108	$188
Progressive	$1385	$233
Farmers	$1886	$321
Allstate	$2657	$442

Car Insurance Price Trends in Somerville, Tennessee

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

The average cost of full coverage in the Somerville rose by $219 in January compared to $121 of December. In other words, there has been an increase by $98 when you compare January and December.

The average cost of liability insurance in the Somerville rose to $53 in January, compared to $47 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 Somerville?

The car insurance in Somerville is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Somerville?

The cheapest car insurance in Somerville is $92 per month for full coverage.

How much is car insurance in Somerville for teenagers?

Car insurance for teenagers costs $202 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 Somerville?

The average cost of car insurance is $878 for a six-month policy. It will cost around $186 per month to insure your car in Somerville.

Is car insurance expensive in Somerville?

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

Cheapest Car Insurance Quotes in Somerville

Why you can trust Way?

How Much Is Car Insurance in Somerville

Avg. Car Insurance in Somerville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Somerville

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Somerville Car Insurance Rates by Company

Cheap Car Insurance Companies in Somerville, TN

Way's key takeaways about car insurance in Somerville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Somerville

Cheapest Liability Coverage in Somerville, TN

Cheapest Full Coverage Car Insurance in Somerville

Cheapest Full Coverage Car Insurance Quotes in Somerville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Somerville by Rating Factor

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

Car Insurance Premiums by Age in Somerville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Somerville,TN

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

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 Somerville

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

Somerville Car Insurance Rates by Violation

Somerville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Somerville after a DUI

Somerville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Somerville after Speeding ticket

Car Insurance Price Trends in Somerville, Tennessee

Average Car Insurance Cost in Somerville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Somerville, TN

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

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