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Finding the cheapest car insurance quotes in Tipton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Tipton
The car insurance rate in Tipton is $930 for a six-month policy, which is $114 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Tipton 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.
At $488 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 $514 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $514
for six months, making it
the third cheapest auto insurance company in Tipton.
Tipton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Tipton, TN is AutoOwners Insurance Co, offering policies at just $488 for a six-month term. This is followed by Erie, which has an average six-month premium of $514.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1557 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tipton drivers find the best deals.
The auto insurance costs in Tipton fall around $488 for six
months.
The cheapest auto insurance company in Tipton is Westfield.
Teen drivers pay the highest rate in Tipton at $55 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Tipton
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 Tipton are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Tipton. Their Average 6 Month Premium is $156.
AutoOwners is the most
expensive at $223 for the same
period.
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 Tipton is AutoOwners Insurance Co
at $81 per month and $488
for six months.
Cheapest Full Coverage Car Insurance Quotes in Tipton,
TN
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 Tipton, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Tipton, 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, Tipton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Tipton
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
$691
30s
Penn National
$475
40s
Penn National
$431
50s
Penn National
$399
60s
Penn National
$418
70s
Penn National
$481
Cheapest Car Insurance Rates for Teen Drivers in
Tipton,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Tipton at $31
per
month. At $325 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties Penn National is
the best choice for car
insurance in Tipton.
As young drivers face the highest rates in Tipton, Penn National
offers the cheapest auto insurance rates at $691 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 Tipton,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $217 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
Tipton is Erie, offering
rates of around $426 for six
months.
Save up to $971/yr on car insurance rates in Tipton.
Car Insurance Rates with An Accident in Tipton
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 Tipton, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Tipton
The cheapest car insurance companies after an at-fault accident in
Tipton include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $189
and $196,
respectively. Grange is an expensive provider
with an average six-month premium of
$366.
Here is a list of driving violations that can increase your car
insurance rates in Tipton TN. For example, the car
insurance in Tipton
after a DUI increases to $1131 for a six
month policy. While the rate increases by $216 for a six-month policy in the case of
a speeding ticket.
Tipton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1131
$188
Not-at-fault accident
$1138
$194
One Med/PIP claim
$1145
$190
One comp claim
$1158
$197
Two comp claims
$1172
$195
Two Med/PIP claims
$1172
$199
Failure to wear a seat belt
$1300
$217
Failure to show documents
$1320
$225
Child safety restraint
$1327
$221
Driving without lights
$1327
$226
Cell phone violation
$1347
$225
Driving with expired registration
$1347
$229
Speeding 6 - 10 MPH over limit
$1347
$225
Driving too slowly
$1354
$230
Speeding 11 - 15 MPH over limit
$1354
$226
Speeding in school zone
$1354
$230
Failure to yield
$1361
$227
Following too closely
$1361
$231
Illegal turn
$1361
$227
Speeding 16 - 20 MPH over limit
$1361
$231
Texting while driving
$1361
$227
Improper passing
$1375
$234
Wrong way/wrong lane
$1375
$229
Failure to stop at a red light
$1382
$235
In 65 MPH zone
$1402
$234
Speeding 21 - 25 MPH over limit
$1435
$244
At-fault accident - less than $1000
$1456
$243
Passing school bus
$1456
$247
Operating a vehicle without permission
$1544
$258
Open container
$1557
$264
At-fault accident - $1000-$2000
$1679
$280
At-fault accident - greater than $2000
$1679
$285
Reckless driving
$2119
$353
Racing
$2126
$361
Driving with a suspended license
$2181
$364
Refusal to submit to a chemical test
$2221
$377
DUI
$2262
$377
Leaving scene of an accident/hit and run
$2262
$384
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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 Tipton 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 Tipton.
The cheapest car insurance premiums in
Tipton are
offered by Tennessee Farm Bureau at $298 for a six-month policy.
However, it can be as
expensive as $1868 with companies
like Allstate.
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 Tipton are offered by Westfield
at $182. However,
it can be as expensive as $311
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Tipton after Speeding ticket
Car insurance rates in Tipton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Tipton remained steady at $109 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Tipton remained steady at $42 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Tipton. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Tipton?
The car insurance in Tipton is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Tipton?
The cheapest car insurance in Tipton
is $81 per month
for full coverage.
How much is car insurance in Tipton for teenagers?
Car insurance for teenagers costs $182 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
Tipton?
The average cost of car insurance is $816 for a six-month
policy. It will cost around $156 per month to insure your
car in Tipton.
Is car insurance expensive in Tipton?
Car insurance can be expensive in Tipton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Tipton can be
affordable.
What is the best car insurance in Tipton,
TN?
The best car insurance company in Tipton
TN is
AutoOwners Insurance Co, offering $488 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Tipton, TN
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Tipton Car Insurance
