Cheapest Car Insurance Quotes in Wildersville

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Wildersville Car Insurance

^$ 24

/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 Wildersville

The car insurance rate in Wildersville is $865 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Wildersville 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 Wildersville

$865

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Wildersville

1st place: AutoOwners Insurance Co

At $454 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 $478 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $478 for six months, making it the third cheapest auto insurance company in Wildersville.

Wildersville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wildersville, TN is AutoOwners Insurance Co, offering policies at just $454 for a six-month term. This is followed by Erie, which has an average six-month premium of $478.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1448 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wildersville drivers find the best deals.

Cheap Car Insurance Companies in Wildersville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$454	$75
Erie	$478	$82
Westfield	$478	$80
Tennessee Farm Bureau	$510	$87
Travelers	$711	$120
Farmers	$863	$145
USAA	$869	$146
Grange	$876	$147
Farm Bureau of Tennessee	$906	$152
Tennessee Farmers	$1013	$173
Penn National	$1096	$182
State Farm	$1197	$204
Nationwide	$1215	$202
Progressive	$1448	$246

Key Takeaways

Way's key takeaways about car insurance in Wildersville

The auto insurance costs in Wildersville fall around $454 for six months.
The cheapest auto insurance company in Wildersville is Westfield.
Teen drivers pay the highest rate in Wildersville at $51 per month.

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Cheapest Minimum Liability Car Insurance in Wildersville

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 Wildersville are given below.

Westfield provides the cheapest minimum car insurance coverage in Wildersville. Their Average 6 Month Premium is $145. AutoOwners is the most expensive at $208 for the same period.

Cheapest Liability Coverage in Wildersville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
Auto-Owners Insurance Co	$170	$29
Tennessee Farm Bureau	$176	$30
Farm Bureau of Tennessee	$182	$31
Tennessee Farmers	$208	$35
USAA	$208	$35
Cincinnati	$214	$36
Erie	$227	$38
Travelers	$227	$38
Farmers	$240	$40
Penn National	$259	$43
Progressive	$283	$48
State Farm	$283	$48
Allstate	$460	$78
Auto-Owners	$208	$35

Cheapest Full Coverage Car Insurance in Wildersville

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 Wildersville is AutoOwners Insurance Co at $75 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wildersville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$454	$75
Erie	$478	$82
Westfield	$478	$80
Tennessee Farm Bureau	$510	$87
Travelers	$711	$120
Farmers	$863	$145
USAA	$869	$146
Grange	$876	$147
Farm Bureau of Tennessee	$906	$152
Tennessee Farmers	$1013	$173
Penn National	$1096	$182
State Farm	$1197	$204
Nationwide	$1215	$202
Progressive	$1448	$246

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Average Car Insurance in Wildersville 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 Wildersville, TN increasing?

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

Car Insurance Premiums by Age in Wildersville

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	$642
30s	Penn National	$442
40s	Penn National	$401
50s	Penn National	$371
60s	Penn National	$389
70s	Penn National	$447

Cheapest Car Insurance Rates for Teen Drivers in Wildersville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Wildersville at $29 per month. At $302 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
USAA	$201	$34
Tennessee Farm Bureau	$240	$40
Travelers	$240	$40
Auto-Owners Insurance Co	$252	$42
Farmers	$270	$46
Grange	$270	$46
Progressive	$270	$46
Cincinnati	$277	$47
Erie	$277	$47
State Farm	$302	$51

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 Wildersville.

As young drivers face the highest rates in Wildersville, Penn National offers the cheapest auto insurance rates at $642 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 Wildersville, Tennessee Farm Bureau is the cheapest car insurance provider. At $201 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 Wildersville is Erie, offering rates of around $396 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$201	$34
Westfield	$264	$45
Grange	$315	$54
Farmers	$340	$56
Progressive	$340	$58
Travelers	$340	$56
Cincinnati	$371	$64
Erie	$396	$66

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Car Insurance Rates with An Accident in Wildersville

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

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

The cheapest car insurance companies after an at-fault accident in Wildersville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $176 and $182, respectively. Grange is an expensive provider with an average six-month premium of $340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$176	$30
Farm Bureau of Tennessee	$182	$31
Westfield	$246	$41
USAA	$264	$45
Farmers	$270	$46
Travelers	$277	$47
Progressive	$289	$49
Erie	$308	$52
State Farm	$308	$52
Auto-Owners Insurance Co	$315	$54
Grange	$340	$56

Wildersville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wildersville TN. For example, the car insurance in Wildersville after a DUI increases to $1051 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

Wildersville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1052	$175
Not-at-fault accident	$1058	$180
One Med/PIP claim	$1064	$177
One comp claim	$1077	$183
Two comp claims	$1090	$181
Two Med/PIP claims	$1090	$186
Failure to wear a seat belt	$1208	$201
Failure to show documents	$1227	$209
Child safety restraint	$1234	$206
Driving without lights	$1234	$210
Cell phone violation	$1253	$209
Driving with expired registration	$1253	$213
Speeding 6 - 10 MPH over limit	$1253	$209
Driving too slowly	$1259	$214
Speeding 11 - 15 MPH over limit	$1259	$210
Speeding in school zone	$1259	$214
Failure to yield	$1266	$211
Following too closely	$1266	$215
Illegal turn	$1266	$211
Speeding 16 - 20 MPH over limit	$1266	$215
Texting while driving	$1266	$211
Improper passing	$1278	$217
Wrong way/wrong lane	$1278	$213
Failure to stop at a red light	$1285	$218
In 65 MPH zone	$1304	$217
Speeding 21 - 25 MPH over limit	$1335	$227
At-fault accident - less than $1000	$1354	$226
Passing school bus	$1354	$230
Operating a vehicle without permission	$1435	$240
Open container	$1448	$246
At-fault accident - $1000-$2000	$1561	$261
At-fault accident - greater than $2000	$1561	$265
Reckless driving	$1971	$329
Racing	$1977	$336
Driving with a suspended license	$2028	$338
Refusal to submit to a chemical test	$2065	$351
DUI	$2103	$351
Leaving scene of an accident/hit and run	$2103	$357

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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 Wildersville 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 Wildersville.

The cheapest car insurance premiums in Wildersville are offered by Tennessee Farm Bureau at $277 for a six-month policy. However, it can be as expensive as $1737 with companies like Allstate.

Wildersville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$277	$47
Farmers	$321	$54
Erie	$328	$56
Grange	$428	$71
Travelers	$529	$89
State Farm	$762	$128
Progressive	$793	$134
USAA	$900	$152
Tennessee Farmers	$1221	$208
Allstate	$1737	$289

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 Wildersville are offered by Westfield at $170. However, it can be as expensive as $289 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Wildersville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
Tennessee Farm Bureau	$176	$30
Erie	$201	$34
Auto-Owners Insurance Co	$246	$41
State Farm	$246	$41
Cincinnati	$259	$43
Travelers	$277	$47
Chubb	$283	$48
Progressive	$289	$49

Car Insurance Price Trends in Wildersville, Tennessee

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

The average cost of full coverage in the Wildersville remained steady at $102 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Wildersville remained steady at $39 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 Wildersville?

The car insurance in Wildersville is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Wildersville?

The cheapest car insurance in Wildersville is $75 per month for full coverage.

How much is car insurance in Wildersville for teenagers?

Car insurance for teenagers costs $170 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 Wildersville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $145 per month to insure your car in Wildersville.

Is car insurance expensive in Wildersville?

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

Cheapest Car Insurance Quotes in Wildersville

Why you can trust Way?

How Much Is Car Insurance in Wildersville

Avg. Car Insurance in Wildersville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Wildersville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Wildersville Car Insurance Rates by Company

Cheap Car Insurance Companies in Wildersville, TN

Way's key takeaways about car insurance in Wildersville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wildersville

Cheapest Liability Coverage in Wildersville, TN

Cheapest Full Coverage Car Insurance in Wildersville

Cheapest Full Coverage Car Insurance Quotes in Wildersville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wildersville by Rating Factor

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

Car Insurance Premiums by Age in Wildersville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wildersville,TN

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

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 Wildersville

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

Wildersville Car Insurance Rates by Violation

Wildersville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wildersville after a DUI

Wildersville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wildersville after Speeding ticket

Car Insurance Price Trends in Wildersville, Tennessee

Average Car Insurance Cost in Wildersville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wildersville, TN

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

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