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Finding the cheapest car insurance quotes in Whites Creek 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 Whites Creek
The car insurance rate in Whites Creek is $992 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 $484, making it a popular choice for budget-conscious drivers. Rates in Whites Creek 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 $484 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 $510 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 $544
for six months, making it
the third cheapest auto insurance company in Whites Creek.
Whites Creek Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Whites Creek, TN is AutoOwners Insurance Co, offering policies at just $484 for a six-month term. This is followed by Westfield, which has an average six-month premium of $510.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1631 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whites Creek drivers find the best deals.
Way's key takeaways about car insurance in Whites Creek
The auto insurance costs in Whites Creek fall around $484 for six
months.
The cheapest auto insurance company in Whites Creek is Westfield.
Teen drivers pay the highest rate in Whites Creek at $1016 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 Whites Creek
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 Whites Creek are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Whites Creek. Their Average 6 Month Premium is $155.
Allstate is the most
expensive at $544 for the same
period.
Cheapest Full Coverage Car Insurance in Whites Creek
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 Whites Creek is AutoOwners Insurance Co
at $82 per month and $484
for six months.
Cheapest Full Coverage Car Insurance Quotes in Whites Creek,
TN
Get Your Car Insurance Quote in Whites Creek
Instantly!
Average Car Insurance in Whites Creek 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 Whites Creek, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Whites Creek, 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, Whites Creek's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Whites Creek
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
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Cheapest Car Insurance Rates for Teen Drivers in
Whites Creek,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Whites Creek at $31
per
month. At $5974 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Whites Creek.
As young drivers face the highest rates in Whites Creek, N/A
offers the cheapest auto insurance rates at $N/A 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 Whites Creek,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $215 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
Whites Creek is State Farm, offering
rates of around $5625 for six
months.
Save up to $971/yr on car insurance rates in Whites Creek.
Car Insurance Rates with An Accident in Whites Creek
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 Whites Creek, TN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Whites Creek
The cheapest car insurance companies after an at-fault accident in
Whites Creek include Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $188
and $194,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3256.
Here is a list of driving violations that can increase your car
insurance rates in Whites Creek TN. For example, the car
insurance in Whites Creek
after a DUI increases to $1121 for a six
month policy. While the rate increases by $215 for a six-month policy in the case of
a speeding ticket.
Whites Creek auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1121
$186
Not-at-fault accident
$1128
$192
One Med/PIP claim
$1135
$189
One comp claim
$1148
$195
Two comp claims
$1162
$193
Two Med/PIP claims
$1162
$198
Failure to wear a seat belt
$1288
$215
Failure to show documents
$1309
$223
Child safety restraint
$1315
$219
Driving without lights
$1315
$224
Cell phone violation
$1336
$223
Driving with expired registration
$1336
$227
Speeding 6 - 10 MPH over limit
$1336
$223
Driving too slowly
$1342
$228
Speeding 11 - 15 MPH over limit
$1342
$224
Speeding in school zone
$1342
$228
Failure to yield
$1349
$225
Following too closely
$1349
$229
Illegal turn
$1349
$225
Speeding 16 - 20 MPH over limit
$1349
$229
Texting while driving
$1349
$225
Improper passing
$1363
$232
Wrong way/wrong lane
$1363
$227
Failure to stop at a red light
$1370
$233
In 65 MPH zone
$1390
$232
Speeding 21 - 25 MPH over limit
$1423
$242
At-fault accident - less than $1000
$1443
$241
Passing school bus
$1443
$245
Operating a vehicle without permission
$1530
$255
Open container
$1544
$262
At-fault accident - $1000-$2000
$1664
$278
At-fault accident - greater than $2000
$1664
$283
Reckless driving
$2101
$350
Racing
$2107
$358
Driving with a suspended license
$2162
$360
Refusal to submit to a chemical test
$2201
$374
DUI
$2242
$374
Leaving scene of an accident/hit and run
$2242
$381
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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 Whites Creek 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 Whites Creek.
The cheapest car insurance premiums in
Whites Creek are
offered by Tennessee Farm Bureau at $295 for a six-month policy.
However, it can be as
expensive as $2363 with companies
like AutoOwners.
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 Whites Creek are offered by Westfield
at $181. However,
it can be as expensive as $2383
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Whites Creek after Speeding ticket
Car Insurance Price Trends in Whites Creek,
Tennessee
Car insurance rates in Whites Creek have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Whites Creek rose by
$197 in January
compared to $108 of December. In other words, there has been an increase by $89 when you
compare January and December.
The average cost of liability insurance in the Whites Creek rose to $47 in January,
compared to $42 in December.
This represents an increase of $5
when comparing January and December.
Average Car Insurance Cost in Whites Creek 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
Whites Creek. At $1984 for a
six-month policy, insuring
your car at 37189 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 Whites Creek?
The car insurance in Whites Creek is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Whites Creek?
The cheapest car insurance in Whites Creek
is $82 per month
for full coverage.
How much is car insurance in Whites Creek for teenagers?
Car insurance for teenagers costs $181 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
Whites Creek?
The average cost of car insurance is $878 for a six-month
policy. It will cost around $167 per month to insure your
car in Whites Creek.
Is car insurance expensive in Whites Creek?
Car insurance can be expensive in Whites Creek if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Whites Creek can be
affordable.
What is the best car insurance in Whites Creek,
TN?
The best car insurance company in Whites Creek
TN is
AutoOwners Insurance Co, offering $484 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Whites Creek, TN
Car Insurance Rates by State in the USA (2025 Update)
Whites Creek Car Insurance
