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Finding the cheapest car insurance quotes in Turtletown 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 Turtletown
The car insurance rate in Turtletown is $800 for a six-month policy, which is $16 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, making it a popular choice for budget-conscious drivers. Rates in Turtletown 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 $419 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 $442 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $442
for six months, making it
the third cheapest auto insurance company in Turtletown.
Turtletown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Turtletown, TN is AutoOwners Insurance Co, offering policies at just $419 for a six-month term. This is followed by Erie, which has an average six-month premium of $442.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1339 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Turtletown drivers find the best deals.
Way's key takeaways about car insurance in Turtletown
The auto insurance costs in Turtletown fall around $419 for six
months.
The cheapest auto insurance company in Turtletown is Westfield.
Teen drivers pay the highest rate in Turtletown at $47 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 Turtletown
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 Turtletown are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Turtletown. Their Average 6 Month Premium is $134.
AutoOwners is the most
expensive at $192 for the same
period.
Cheapest Full Coverage Car Insurance in Turtletown
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 Turtletown is AutoOwners Insurance Co
at $70 per month and $419
for six months.
Cheapest Full Coverage Car Insurance Quotes in Turtletown,
TN
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Instantly!
Average Car Insurance in Turtletown 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 Turtletown, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Turtletown, 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, Turtletown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Turtletown
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
$594
30s
Penn National
$409
40s
Penn National
$370
50s
Penn National
$343
60s
Penn National
$360
70s
Penn National
$414
Cheapest Car Insurance Rates for Teen Drivers in
Turtletown,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Turtletown at $26
per
month. At $279 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 Turtletown.
As young drivers face the highest rates in Turtletown, Penn National
offers the cheapest auto insurance rates at $594 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 Turtletown,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $186 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
Turtletown is Erie, offering
rates of around $367 for six
months.
Save up to $971/yr on car insurance rates in Turtletown.
Car Insurance Rates with An Accident in Turtletown
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 Turtletown, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Turtletown
The cheapest car insurance companies after an at-fault accident in
Turtletown include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $163
and $169,
respectively. Grange is an expensive provider
with an average six-month premium of
$315.
Here is a list of driving violations that can increase your car
insurance rates in Turtletown TN. For example, the car
insurance in Turtletown
after a DUI increases to $972 for a six
month policy. While the rate increases by $186 for a six-month policy in the case of
a speeding ticket.
Turtletown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$972
$162
Not-at-fault accident
$978
$167
One Med/PIP claim
$984
$164
One comp claim
$996
$170
Two comp claims
$1007
$168
Two Med/PIP claims
$1007
$172
Failure to wear a seat belt
$1117
$186
Failure to show documents
$1135
$193
Child safety restraint
$1141
$190
Driving without lights
$1141
$194
Cell phone violation
$1158
$193
Driving with expired registration
$1158
$197
Speeding 6 - 10 MPH over limit
$1158
$193
Driving too slowly
$1164
$198
Speeding 11 - 15 MPH over limit
$1164
$194
Speeding in school zone
$1164
$198
Failure to yield
$1170
$195
Following too closely
$1170
$199
Illegal turn
$1170
$195
Speeding 16 - 20 MPH over limit
$1170
$199
Texting while driving
$1170
$195
Improper passing
$1182
$201
Wrong way/wrong lane
$1182
$197
Failure to stop at a red light
$1188
$202
In 65 MPH zone
$1205
$201
Speeding 21 - 25 MPH over limit
$1234
$210
At-fault accident - less than $1000
$1251
$209
Passing school bus
$1251
$213
Operating a vehicle without permission
$1327
$221
Open container
$1339
$227
At-fault accident - $1000-$2000
$1444
$241
At-fault accident - greater than $2000
$1444
$245
Reckless driving
$1822
$304
Racing
$1828
$311
Driving with a suspended license
$1875
$313
Refusal to submit to a chemical test
$1909
$324
DUI
$1944
$324
Leaving scene of an accident/hit and run
$1944
$330
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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 Turtletown 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 Turtletown.
The cheapest car insurance premiums in
Turtletown are
offered by Tennessee Farm Bureau at $256 for a six-month policy.
However, it can be as
expensive as $1606 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 Turtletown are offered by Westfield
at $157. However,
it can be as expensive as $268
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Turtletown after Speeding ticket
Car Insurance Price Trends in Turtletown,
Tennessee
Car insurance rates in Turtletown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Turtletown remained steady at $94 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Turtletown remained steady at $36 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Turtletown by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Turtletown. At $1599 for a
six-month policy, insuring
your car at 37391 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 Turtletown?
The car insurance in Turtletown is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Turtletown?
The cheapest car insurance in Turtletown
is $70 per month
for full coverage.
How much is car insurance in Turtletown for teenagers?
Car insurance for teenagers costs $157 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
Turtletown?
The average cost of car insurance is $816 for a six-month
policy. It will cost around $134 per month to insure your
car in Turtletown.
Is car insurance expensive in Turtletown?
Car insurance can be expensive in Turtletown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Turtletown can be
affordable.
What is the best car insurance in Turtletown,
TN?
The best car insurance company in Turtletown
TN is
AutoOwners Insurance Co, offering $419 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Turtletown, TN
Car Insurance Rates by State in the USA (2025 Update)
Turtletown Car Insurance
