Cheapest Car Insurance Quotes in Sunbright

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Sunbright Car Insurance

^$ 23

/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 Sunbright

The car insurance rate in Sunbright is $824 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Sunbright 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 Sunbright

$824

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Sunbright

1st place: AutoOwners Insurance Co

At $432 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 $456 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $456 for six months, making it the third cheapest auto insurance company in Sunbright.

Sunbright Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sunbright, TN is AutoOwners Insurance Co, offering policies at just $432 for a six-month term. This is followed by Erie, which has an average six-month premium of $456.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1380 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunbright drivers find the best deals.

Cheap Car Insurance Companies in Sunbright, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$72
Erie	$456	$78
Westfield	$456	$76
Tennessee Farm Bureau	$486	$83
Travelers	$678	$114
Farmers	$822	$138
USAA	$828	$139
Grange	$834	$140
Farm Bureau of Tennessee	$864	$144
Tennessee Farmers	$966	$165
Penn National	$1044	$174
State Farm	$1140	$194
Nationwide	$1157	$193
Progressive	$1380	$234

Key Takeaways

Way's key takeaways about car insurance in Sunbright

The auto insurance costs in Sunbright fall around $432 for six months.
The cheapest auto insurance company in Sunbright is Westfield.
Teen drivers pay the highest rate in Sunbright at $48 per month.

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Cheapest Minimum Liability Car Insurance in Sunbright

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 Sunbright are given below.

Westfield provides the cheapest minimum car insurance coverage in Sunbright. Their Average 6 Month Premium is $138. AutoOwners is the most expensive at $198 for the same period.

Cheapest Liability Coverage in Sunbright, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
Auto-Owners Insurance Co	$162	$27
Tennessee Farm Bureau	$168	$28
Farm Bureau of Tennessee	$174	$29
Tennessee Farmers	$198	$33
USAA	$198	$33
Cincinnati	$204	$34
Erie	$216	$36
Travelers	$216	$36
Farmers	$228	$38
Penn National	$246	$41
Progressive	$270	$45
State Farm	$270	$45
Allstate	$438	$75
Auto-Owners	$198	$33

Cheapest Full Coverage Car Insurance in Sunbright

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 Sunbright is AutoOwners Insurance Co at $72 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunbright, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$72
Erie	$456	$78
Westfield	$456	$76
Tennessee Farm Bureau	$486	$83
Travelers	$678	$114
Farmers	$822	$138
USAA	$828	$139
Grange	$834	$140
Farm Bureau of Tennessee	$864	$144
Tennessee Farmers	$966	$165
Penn National	$1044	$174
State Farm	$1140	$194
Nationwide	$1157	$193
Progressive	$1380	$234

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Average Car Insurance in Sunbright 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 Sunbright, TN increasing?

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

Car Insurance Premiums by Age in Sunbright

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	$612
30s	Penn National	$421
40s	Penn National	$382
50s	Penn National	$354
60s	Penn National	$371
70s	Penn National	$426

Cheapest Car Insurance Rates for Teen Drivers in Sunbright,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Sunbright at $27 per month. At $288 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
USAA	$192	$32
Tennessee Farm Bureau	$228	$38
Travelers	$228	$38
Auto-Owners Insurance Co	$240	$40
Farmers	$258	$43
Grange	$258	$43
Progressive	$258	$43
Cincinnati	$264	$44
Erie	$264	$44
State Farm	$288	$48

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 Sunbright.

As young drivers face the highest rates in Sunbright, Penn National offers the cheapest auto insurance rates at $612 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 Sunbright, Tennessee Farm Bureau is the cheapest car insurance provider. At $192 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 Sunbright is Erie, offering rates of around $378 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$192	$32
Westfield	$251	$42
Grange	$300	$52
Farmers	$324	$54
Progressive	$324	$56
Travelers	$324	$54
Cincinnati	$354	$61
Erie	$378	$63

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Car Insurance Rates with An Accident in Sunbright

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

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

The cheapest car insurance companies after an at-fault accident in Sunbright include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $168 and $174, respectively. Grange is an expensive provider with an average six-month premium of $324.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$168	$28
Farm Bureau of Tennessee	$174	$29
Westfield	$234	$39
USAA	$251	$42
Farmers	$258	$43
Travelers	$264	$44
Progressive	$276	$46
Erie	$294	$49
State Farm	$294	$49
Auto-Owners Insurance Co	$300	$52
Grange	$324	$54

Sunbright Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sunbright TN. For example, the car insurance in Sunbright after a DUI increases to $1002 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Sunbright auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$167
Not-at-fault accident	$1008	$172
One Med/PIP claim	$1014	$169
One comp claim	$1026	$175
Two comp claims	$1038	$173
Two Med/PIP claims	$1038	$177
Failure to wear a seat belt	$1151	$192
Failure to show documents	$1170	$199
Child safety restraint	$1176	$196
Driving without lights	$1176	$200
Cell phone violation	$1194	$199
Driving with expired registration	$1194	$203
Speeding 6 - 10 MPH over limit	$1194	$199
Driving too slowly	$1200	$204
Speeding 11 - 15 MPH over limit	$1200	$200
Speeding in school zone	$1200	$204
Failure to yield	$1206	$201
Following too closely	$1206	$205
Illegal turn	$1206	$201
Speeding 16 - 20 MPH over limit	$1206	$205
Texting while driving	$1206	$201
Improper passing	$1218	$207
Wrong way/wrong lane	$1218	$203
Failure to stop at a red light	$1224	$208
In 65 MPH zone	$1242	$207
Speeding 21 - 25 MPH over limit	$1272	$216
At-fault accident - less than $1000	$1290	$215
Passing school bus	$1290	$219
Operating a vehicle without permission	$1368	$228
Open container	$1380	$234
At-fault accident - $1000-$2000	$1488	$248
At-fault accident - greater than $2000	$1488	$253
Reckless driving	$1878	$313
Racing	$1884	$320
Driving with a suspended license	$1932	$322
Refusal to submit to a chemical test	$1967	$334
DUI	$2004	$334
Leaving scene of an accident/hit and run	$2004	$340

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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 Sunbright 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 Sunbright.

The cheapest car insurance premiums in Sunbright are offered by Tennessee Farm Bureau at $264 for a six-month policy. However, it can be as expensive as $1655 with companies like Allstate.

Sunbright car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$264	$44
Farmers	$306	$52
Erie	$312	$54
Grange	$408	$68
Travelers	$504	$85
State Farm	$726	$122
Progressive	$755	$127
USAA	$857	$144
Tennessee Farmers	$1164	$198
Allstate	$1655	$276

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 Sunbright are offered by Westfield at $162. However, it can be as expensive as $276 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Sunbright after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Tennessee Farm Bureau	$168	$28
Erie	$192	$32
Auto-Owners Insurance Co	$234	$39
State Farm	$234	$39
Cincinnati	$246	$41
Travelers	$264	$44
Chubb	$270	$45
Progressive	$276	$46

Car Insurance Price Trends in Sunbright, Tennessee

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

The average cost of full coverage in the Sunbright remained steady at $97 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sunbright remained steady at $37 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 Sunbright?

The car insurance in Sunbright is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Sunbright?

The cheapest car insurance in Sunbright is $72 per month for full coverage.

How much is car insurance in Sunbright for teenagers?

Car insurance for teenagers costs $162 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 Sunbright?

The average cost of car insurance is $816 for a six-month policy. It will cost around $138 per month to insure your car in Sunbright.

Is car insurance expensive in Sunbright?

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

Cheapest Car Insurance Quotes in Sunbright

Why you can trust Way?

How Much Is Car Insurance in Sunbright

Avg. Car Insurance in Sunbright

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Sunbright

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Sunbright Car Insurance Rates by Company

Cheap Car Insurance Companies in Sunbright, TN

Way's key takeaways about car insurance in Sunbright

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sunbright

Cheapest Liability Coverage in Sunbright, TN

Cheapest Full Coverage Car Insurance in Sunbright

Cheapest Full Coverage Car Insurance Quotes in Sunbright, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sunbright by Rating Factor

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

Car Insurance Premiums by Age in Sunbright

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sunbright,TN

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

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 Sunbright

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

Sunbright Car Insurance Rates by Violation

Sunbright auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sunbright after a DUI

Sunbright car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sunbright after Speeding ticket

Car Insurance Price Trends in Sunbright, Tennessee

Average Car Insurance Cost in Sunbright by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sunbright, TN

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

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