Cheapest Car Insurance Quotes in Tennessee Ridge

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Tennessee Ridge 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 Tennessee Ridge

The car insurance rate in Tennessee Ridge is $1115 for a six-month policy, which is $237 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Tennessee Ridge 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 Tennessee Ridge

$1115

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Tennessee Ridge

1st place: AutoOwners Insurance Co

At $544 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 $573 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 $611 for six months, making it the third cheapest auto insurance company in Tennessee Ridge.

Tennessee Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tennessee Ridge, TN is AutoOwners Insurance Co, offering policies at just $544 for a six-month term. This is followed by Westfield, which has an average six-month premium of $573.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1833 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tennessee Ridge drivers find the best deals.

Cheap Car Insurance Companies in Tennessee Ridge, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$544	$93
Westfield	$573	$95
Tennessee Farm Bureau	$611	$104
Erie	$852	$144
Travelers	$890	$150
USAA	$965	$163
Grange	$1049	$177
Farm Bureau of Tennessee	$1086	$182
Auto-Owners	$1116	$189
Farmers	$1207	$203
Tennessee Farmers	$1214	$207
Penn National	$1313	$218
Nationwide	$1455	$248
State Farm	$1471	$248
Progressive	$1675	$282
Allstate	$1833	$306

Key Takeaways

Way's key takeaways about car insurance in Tennessee Ridge

The auto insurance costs in Tennessee Ridge fall around $544 for six months.
The cheapest auto insurance company in Tennessee Ridge is Westfield.
Teen drivers pay the highest rate in Tennessee Ridge at $1142 per month.

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Cheapest Minimum Liability Car Insurance in Tennessee Ridge

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 Tennessee Ridge are given below.

Westfield provides the cheapest minimum car insurance coverage in Tennessee Ridge. Their Average 6 Month Premium is $174. Allstate is the most expensive at $611 for the same period.

Cheapest Liability Coverage in Tennessee Ridge, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Auto-Owners Insurance Co	$203	$34
Tennessee Farm Bureau	$211	$36
Farm Bureau of Tennessee	$218	$37
Tennessee Farmers	$249	$42
USAA	$249	$42
Cincinnati	$257	$43
Erie	$287	$48
Travelers	$287	$48
Penn National	$310	$52
Auto-Owners	$324	$55
Farmers	$354	$60
State Farm	$370	$62
Progressive	$415	$70
Allstate	$611	$103

Cheapest Full Coverage Car Insurance in Tennessee Ridge

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 Tennessee Ridge is AutoOwners Insurance Co at $93 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tennessee Ridge, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$544	$93
Westfield	$573	$95
Tennessee Farm Bureau	$611	$104
Erie	$852	$144
Travelers	$890	$150
USAA	$965	$163
Grange	$1049	$177
Farm Bureau of Tennessee	$1086	$182
Auto-Owners	$1116	$189
Farmers	$1207	$203
Tennessee Farmers	$1214	$207
Penn National	$1313	$218
Nationwide	$1455	$248
State Farm	$1471	$248
Progressive	$1675	$282
Allstate	$1833	$306

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Average Car Insurance in Tennessee Ridge 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 Tennessee Ridge, TN increasing?

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

Car Insurance Premiums by Age in Tennessee Ridge

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 Tennessee Ridge,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Tennessee Ridge at $34 per month. At $6714 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
Tennessee Farm Bureau	$287	$48
Auto-Owners Insurance Co	$302	$51
Grange	$324	$55
Cincinnati	$331	$56
Erie	$1116	$188
USAA	$1116	$188
Travelers	$1177	$198
State Farm	$1781	$300
Farmers	$2037	$343
Progressive	$3010	$507
Auto-Owners	$3870	$645
Allstate	$6714	$1142

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 Tennessee Ridge, Tennessee Farm Bureau is the cheapest car insurance provider. At $241 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 Tennessee Ridge is State Farm, offering rates of around $6322 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$241	$41
Westfield	$316	$53
Grange	$377	$64
Cincinnati	$445	$76
Travelers	$1132	$191
Farmers	$1306	$220
USAA	$1335	$222
Progressive	$1501	$253
Erie	$1532	$258
Auto-Owners	$2950	$502
Allstate	$3192	$532
State Farm	$6322	$1074

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

Car Insurance Rates with An Accident in Tennessee Ridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Tennessee Ridge

The cheapest car insurance companies after an at-fault accident in Tennessee Ridge include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $211 and $218, respectively. Allstate is an expensive provider with an average six-month premium of $3659.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$211	$36
Farm Bureau of Tennessee	$218	$37
Westfield	$295	$50
Auto-Owners Insurance Co	$377	$65
Grange	$408	$67
Travelers	$626	$105
Erie	$687	$116
USAA	$701	$118
State Farm	$747	$126
Farmers	$852	$144
Progressive	$1306	$220
Auto-Owners	$1901	$324
Allstate	$3659	$610

Tennessee Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tennessee Ridge TN. For example, the car insurance in Tennessee Ridge after a DUI increases to $1260 for a six month policy. While the rate increases by $241 for a six-month policy in the case of a speeding ticket.

Tennessee Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1260	$210
Not-at-fault accident	$1267	$216
One Med/PIP claim	$1275	$212
One comp claim	$1290	$220
Two comp claims	$1306	$217
Two Med/PIP claims	$1306	$222
Failure to wear a seat belt	$1448	$241
Failure to show documents	$1471	$250
Child safety restraint	$1478	$246
Driving without lights	$1478	$251
Cell phone violation	$1501	$250
Driving with expired registration	$1501	$255
Speeding 6 - 10 MPH over limit	$1501	$250
Driving too slowly	$1509	$257
Speeding 11 - 15 MPH over limit	$1509	$251
Speeding in school zone	$1509	$257
Failure to yield	$1516	$253
Following too closely	$1516	$258
Illegal turn	$1516	$253
Speeding 16 - 20 MPH over limit	$1516	$258
Texting while driving	$1516	$253
Improper passing	$1532	$260
Wrong way/wrong lane	$1532	$255
Failure to stop at a red light	$1539	$262
In 65 MPH zone	$1562	$260
Speeding 21 - 25 MPH over limit	$1599	$272
At-fault accident - less than $1000	$1622	$271
Passing school bus	$1622	$276
Operating a vehicle without permission	$1720	$287
Open container	$1735	$295
At-fault accident - $1000-$2000	$1871	$312
At-fault accident - greater than $2000	$1871	$318
Reckless driving	$2361	$394
Racing	$2369	$403
Driving with a suspended license	$2430	$405
Refusal to submit to a chemical test	$2474	$420
DUI	$2520	$420
Leaving scene of an accident/hit and run	$2520	$428

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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 Tennessee Ridge 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 Tennessee Ridge.

The cheapest car insurance premiums in Tennessee Ridge are offered by Tennessee Farm Bureau at $331 for a six-month policy. However, it can be as expensive as $2656 with companies like AutoOwners.

Tennessee Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$331	$56
Grange	$513	$85
Travelers	$875	$147
Farmers	$1003	$169
USAA	$1193	$201
Erie	$1237	$208
Progressive	$1245	$210
Tennessee Farmers	$1463	$244
State Farm	$1478	$249
Allstate	$2271	$382
Auto-Owners	$2656	$452

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 Tennessee Ridge are offered by Westfield at $203. However, it can be as expensive as $2678 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Tennessee Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
Tennessee Farm Bureau	$211	$36
Auto-Owners Insurance Co	$295	$50
Cincinnati	$310	$52
Chubb	$339	$57
Erie	$732	$123
Travelers	$867	$146
USAA	$890	$151
State Farm	$965	$163
Auto-Owners	$1116	$189
Progressive	$1396	$235
Farmers	$1901	$324
Allstate	$2678	$446

Car Insurance Price Trends in Tennessee Ridge, Tennessee

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

The average cost of full coverage in the Tennessee Ridge rose by $221 in January compared to $122 of December. In other words, there has been an increase by $99 when you compare January and December.

The average cost of liability insurance in the Tennessee Ridge 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 Tennessee Ridge?

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

What is the cheapest car insurance in Tennessee Ridge?

The cheapest car insurance in Tennessee Ridge is $93 per month for full coverage.

How much is car insurance in Tennessee Ridge for teenagers?

Car insurance for teenagers costs $203 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 Tennessee Ridge?

The average cost of car insurance is $878 for a six-month policy. It will cost around $188 per month to insure your car in Tennessee Ridge.

Is car insurance expensive in Tennessee Ridge?

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

Cheapest Car Insurance Quotes in Tennessee Ridge

Why you can trust Way?

How Much Is Car Insurance in Tennessee Ridge

Avg. Car Insurance in Tennessee Ridge

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Tennessee Ridge

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Tennessee Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Tennessee Ridge, TN

Way's key takeaways about car insurance in Tennessee Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tennessee Ridge

Cheapest Liability Coverage in Tennessee Ridge, TN

Cheapest Full Coverage Car Insurance in Tennessee Ridge

Cheapest Full Coverage Car Insurance Quotes in Tennessee Ridge, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tennessee Ridge by Rating Factor

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

Car Insurance Premiums by Age in Tennessee Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tennessee Ridge,TN

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

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 Tennessee Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in Tennessee Ridge

Tennessee Ridge Car Insurance Rates by Violation

Tennessee Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tennessee Ridge after a DUI

Tennessee Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tennessee Ridge after Speeding ticket

Car Insurance Price Trends in Tennessee Ridge, Tennessee

Average Car Insurance Cost in Tennessee Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tennessee Ridge, TN

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

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