Cheapest Car Insurance Quotes in Williston

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Williston Car Insurance

^$ 28

/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 Williston

The car insurance rate in Williston is $1080 for a six-month policy, which is $202 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in Williston 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 Williston

$1080

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Williston

1st place: AutoOwners Insurance Co

At $526 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 $555 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 $592 for six months, making it the third cheapest auto insurance company in Williston.

Williston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Williston, TN is AutoOwners Insurance Co, offering policies at just $526 for a six-month term. This is followed by Westfield, which has an average six-month premium of $555.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1775 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Williston drivers find the best deals.

Cheap Car Insurance Companies in Williston, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$90
Westfield	$555	$92
Tennessee Farm Bureau	$592	$101
Erie	$825	$139
Travelers	$862	$145
USAA	$935	$157
Grange	$1016	$171
Farm Bureau of Tennessee	$1052	$176
Auto-Owners	$1081	$183
Farmers	$1169	$197
Tennessee Farmers	$1176	$200
Penn National	$1272	$212
Nationwide	$1410	$240
State Farm	$1424	$240
Progressive	$1622	$273
Allstate	$1775	$296

Key Takeaways

Way's key takeaways about car insurance in Williston

The auto insurance costs in Williston fall around $526 for six months.
The cheapest auto insurance company in Williston is Westfield.
Teen drivers pay the highest rate in Williston at $1106 per month.

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Cheapest Minimum Liability Car Insurance in Williston

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 Williston are given below.

Westfield provides the cheapest minimum car insurance coverage in Williston. Their Average 6 Month Premium is $169. Allstate is the most expensive at $592 for the same period.

Cheapest Liability Coverage in Williston, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
Auto-Owners Insurance Co	$197	$33
Tennessee Farm Bureau	$204	$34
Farm Bureau of Tennessee	$212	$36
Tennessee Farmers	$241	$41
USAA	$241	$41
Cincinnati	$248	$42
Erie	$278	$47
Travelers	$278	$47
Penn National	$300	$50
Auto-Owners	$314	$53
Farmers	$343	$58
State Farm	$358	$60
Progressive	$402	$68
Allstate	$592	$100

Cheapest Full Coverage Car Insurance in Williston

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 Williston is AutoOwners Insurance Co at $90 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in Williston, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$90
Westfield	$555	$92
Tennessee Farm Bureau	$592	$101
Erie	$825	$139
Travelers	$862	$145
USAA	$935	$157
Grange	$1016	$171
Farm Bureau of Tennessee	$1052	$176
Auto-Owners	$1081	$183
Farmers	$1169	$197
Tennessee Farmers	$1176	$200
Penn National	$1272	$212
Nationwide	$1410	$240
State Farm	$1424	$240
Progressive	$1622	$273
Allstate	$1775	$296

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Average Car Insurance in Williston 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 Williston, TN increasing?

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

Car Insurance Premiums by Age in Williston

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 Williston,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Williston at $33 per month. At $6503 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$197	$33
Tennessee Farm Bureau	$278	$47
Auto-Owners Insurance Co	$293	$49
Grange	$314	$53
Cincinnati	$321	$54
Erie	$1081	$182
USAA	$1081	$182
Travelers	$1140	$192
State Farm	$1724	$290
Farmers	$1973	$332
Progressive	$2915	$491
Auto-Owners	$3748	$625
Allstate	$6503	$1106

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 Williston, Tennessee Farm Bureau is the cheapest car insurance provider. At $234 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 Williston is State Farm, offering rates of around $6123 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$234	$39
Westfield	$306	$52
Grange	$365	$62
Cincinnati	$431	$74
Travelers	$1096	$185
Farmers	$1264	$213
USAA	$1293	$215
Progressive	$1454	$245
Erie	$1483	$250
Auto-Owners	$2857	$486
Allstate	$3091	$515
State Farm	$6123	$1041

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Car Insurance Rates with An Accident in Williston

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

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

The cheapest car insurance companies after an at-fault accident in Williston include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $204 and $212, respectively. Allstate is an expensive provider with an average six-month premium of $3544.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$204	$34
Farm Bureau of Tennessee	$212	$36
Westfield	$285	$48
Auto-Owners Insurance Co	$365	$63
Grange	$395	$65
Travelers	$606	$102
Erie	$665	$112
USAA	$679	$114
State Farm	$723	$122
Farmers	$825	$139
Progressive	$1264	$213
Auto-Owners	$1841	$314
Allstate	$3544	$590

Williston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Williston TN. For example, the car insurance in Williston after a DUI increases to $1220 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Williston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1220	$203
Not-at-fault accident	$1228	$209
One Med/PIP claim	$1235	$205
One comp claim	$1250	$213
Two comp claims	$1264	$210
Two Med/PIP claims	$1264	$215
Failure to wear a seat belt	$1402	$234
Failure to show documents	$1424	$242
Child safety restraint	$1432	$239
Driving without lights	$1432	$244
Cell phone violation	$1454	$242
Driving with expired registration	$1454	$247
Speeding 6 - 10 MPH over limit	$1454	$242
Driving too slowly	$1461	$248
Speeding 11 - 15 MPH over limit	$1461	$244
Speeding in school zone	$1461	$248
Failure to yield	$1469	$245
Following too closely	$1469	$250
Illegal turn	$1469	$245
Speeding 16 - 20 MPH over limit	$1469	$250
Texting while driving	$1469	$245
Improper passing	$1483	$252
Wrong way/wrong lane	$1483	$247
Failure to stop at a red light	$1491	$253
In 65 MPH zone	$1513	$252
Speeding 21 - 25 MPH over limit	$1549	$263
At-fault accident - less than $1000	$1571	$262
Passing school bus	$1571	$267
Operating a vehicle without permission	$1665	$278
Open container	$1680	$285
At-fault accident - $1000-$2000	$1812	$303
At-fault accident - greater than $2000	$1812	$308
Reckless driving	$2287	$381
Racing	$2294	$390
Driving with a suspended license	$2353	$392
Refusal to submit to a chemical test	$2396	$407
DUI	$2440	$407
Leaving scene of an accident/hit and run	$2440	$415

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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 Williston 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 Williston.

The cheapest car insurance premiums in Williston are offered by Tennessee Farm Bureau at $321 for a six-month policy. However, it can be as expensive as $2572 with companies like AutoOwners.

Williston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$321	$54
Grange	$497	$82
Travelers	$847	$143
Farmers	$972	$164
USAA	$1155	$194
Erie	$1198	$202
Progressive	$1205	$203
Tennessee Farmers	$1417	$236
State Farm	$1432	$241
Allstate	$2199	$370
Auto-Owners	$2572	$438

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 Williston are offered by Westfield at $197. However, it can be as expensive as $2594 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Williston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$197	$33
Tennessee Farm Bureau	$204	$34
Auto-Owners Insurance Co	$285	$48
Cincinnati	$300	$50
Chubb	$328	$55
Erie	$708	$119
Travelers	$840	$141
USAA	$862	$146
State Farm	$935	$157
Auto-Owners	$1081	$183
Progressive	$1352	$228
Farmers	$1841	$314
Allstate	$2594	$432

Car Insurance Price Trends in Williston, Tennessee

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

The average cost of full coverage in the Williston rose by $214 in January compared to $118 of December. In other words, there has been an increase by $96 when you compare January and December.

The average cost of liability insurance in the Williston rose to $52 in January, compared to $46 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 Williston?

The car insurance in Williston is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Williston?

The cheapest car insurance in Williston is $90 per month for full coverage.

How much is car insurance in Williston for teenagers?

Car insurance for teenagers costs $197 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 Williston?

The average cost of car insurance is $878 for a six-month policy. It will cost around $182 per month to insure your car in Williston.

Is car insurance expensive in Williston?

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

Cheapest Car Insurance Quotes in Williston

Why you can trust Way?

How Much Is Car Insurance in Williston

Avg. Car Insurance in Williston

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Williston

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Williston Car Insurance Rates by Company

Cheap Car Insurance Companies in Williston, TN

Way's key takeaways about car insurance in Williston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Williston

Cheapest Liability Coverage in Williston, TN

Cheapest Full Coverage Car Insurance in Williston

Cheapest Full Coverage Car Insurance Quotes in Williston, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Williston by Rating Factor

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

Car Insurance Premiums by Age in Williston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Williston,TN

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

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 Williston

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

Williston Car Insurance Rates by Violation

Williston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Williston after a DUI

Williston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Williston after Speeding ticket

Car Insurance Price Trends in Williston, Tennessee

Average Car Insurance Cost in Williston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Williston, TN

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

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