Cheapest Car Insurance Quotes in Winfield

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Winfield 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 Winfield

The car insurance rate in Winfield is $922 for a six-month policy, which is $44 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Winfield 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 Winfield

$922

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Winfield

1st place: AutoOwners Insurance Co

At $449 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 $474 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 $505 for six months, making it the third cheapest auto insurance company in Winfield.

Winfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Winfield, TN is AutoOwners Insurance Co, offering policies at just $449 for a six-month term. This is followed by Westfield, which has an average six-month premium of $474.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1515 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Winfield drivers find the best deals.

Cheap Car Insurance Companies in Winfield, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$77
Westfield	$474	$79
Tennessee Farm Bureau	$505	$86
Erie	$705	$119
Travelers	$736	$124
USAA	$798	$134
Grange	$867	$146
Farm Bureau of Tennessee	$898	$150
Auto-Owners	$923	$156
Farmers	$998	$168
Tennessee Farmers	$1004	$171
Penn National	$1086	$181
Nationwide	$1203	$205
State Farm	$1216	$205
Progressive	$1385	$233
Allstate	$1515	$253

Key Takeaways

Way's key takeaways about car insurance in Winfield

The auto insurance costs in Winfield fall around $449 for six months.
The cheapest auto insurance company in Winfield is Westfield.
Teen drivers pay the highest rate in Winfield at $944 per month.

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Cheapest Minimum Liability Car Insurance in Winfield

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 Winfield are given below.

Westfield provides the cheapest minimum car insurance coverage in Winfield. Their Average 6 Month Premium is $144. Allstate is the most expensive at $505 for the same period.

Cheapest Liability Coverage in Winfield, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Auto-Owners Insurance Co	$168	$28
Tennessee Farm Bureau	$174	$29
Farm Bureau of Tennessee	$181	$30
Tennessee Farmers	$206	$35
USAA	$206	$35
Cincinnati	$212	$36
Erie	$237	$40
Travelers	$237	$40
Penn National	$256	$43
Auto-Owners	$268	$45
Farmers	$293	$49
State Farm	$306	$51
Progressive	$343	$58
Allstate	$505	$85

Cheapest Full Coverage Car Insurance in Winfield

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 Winfield is AutoOwners Insurance Co at $77 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Winfield, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$77
Westfield	$474	$79
Tennessee Farm Bureau	$505	$86
Erie	$705	$119
Travelers	$736	$124
USAA	$798	$134
Grange	$867	$146
Farm Bureau of Tennessee	$898	$150
Auto-Owners	$923	$156
Farmers	$998	$168
Tennessee Farmers	$1004	$171
Penn National	$1086	$181
Nationwide	$1203	$205
State Farm	$1216	$205
Progressive	$1385	$233
Allstate	$1515	$253

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Average Car Insurance in Winfield 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 Winfield, TN increasing?

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

Car Insurance Premiums by Age in Winfield

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 Winfield,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Winfield at $28 per month. At $5551 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$168	$28
Tennessee Farm Bureau	$237	$40
Auto-Owners Insurance Co	$250	$42
Grange	$268	$45
Cincinnati	$274	$46
Erie	$923	$155
USAA	$923	$155
Travelers	$973	$164
State Farm	$1472	$248
Farmers	$1684	$284
Progressive	$2489	$419
Auto-Owners	$3199	$533
Allstate	$5551	$944

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 Winfield, Tennessee Farm Bureau is the cheapest car insurance provider. At $200 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 Winfield is State Farm, offering rates of around $5227 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$200	$34
Westfield	$261	$44
Grange	$312	$53
Cincinnati	$368	$63
Travelers	$936	$158
Farmers	$1079	$182
USAA	$1104	$184
Progressive	$1241	$209
Erie	$1266	$213
Auto-Owners	$2439	$415
Allstate	$2639	$440
State Farm	$5227	$888

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Car Insurance Rates with An Accident in Winfield

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

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

The cheapest car insurance companies after an at-fault accident in Winfield include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $174 and $181, respectively. Allstate is an expensive provider with an average six-month premium of $3025.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$174	$29
Farm Bureau of Tennessee	$181	$30
Westfield	$244	$41
Auto-Owners Insurance Co	$312	$54
Grange	$337	$56
Travelers	$518	$87
Erie	$568	$96
USAA	$580	$98
State Farm	$617	$104
Farmers	$705	$119
Progressive	$1079	$182
Auto-Owners	$1572	$268
Allstate	$3025	$504

Winfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Winfield TN. For example, the car insurance in Winfield after a DUI increases to $1041 for a six month policy. While the rate increases by $199 for a six-month policy in the case of a speeding ticket.

Winfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
Not-at-fault accident	$1048	$179
One Med/PIP claim	$1054	$175
One comp claim	$1067	$182
Two comp claims	$1079	$180
Two Med/PIP claims	$1079	$184
Failure to wear a seat belt	$1197	$200
Failure to show documents	$1216	$207
Child safety restraint	$1222	$204
Driving without lights	$1222	$208
Cell phone violation	$1241	$207
Driving with expired registration	$1241	$211
Speeding 6 - 10 MPH over limit	$1241	$207
Driving too slowly	$1247	$212
Speeding 11 - 15 MPH over limit	$1247	$208
Speeding in school zone	$1247	$212
Failure to yield	$1254	$209
Following too closely	$1254	$213
Illegal turn	$1254	$209
Speeding 16 - 20 MPH over limit	$1254	$213
Texting while driving	$1254	$209
Improper passing	$1266	$215
Wrong way/wrong lane	$1266	$211
Failure to stop at a red light	$1273	$216
In 65 MPH zone	$1292	$215
Speeding 21 - 25 MPH over limit	$1322	$225
At-fault accident - less than $1000	$1341	$224
Passing school bus	$1341	$228
Operating a vehicle without permission	$1422	$237
Open container	$1434	$244
At-fault accident - $1000-$2000	$1547	$258
At-fault accident - greater than $2000	$1547	$263
Reckless driving	$1952	$326
Racing	$1958	$333
Driving with a suspended license	$2009	$335
Refusal to submit to a chemical test	$2045	$348
DUI	$2083	$348
Leaving scene of an accident/hit and run	$2083	$354

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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 Winfield 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 Winfield.

The cheapest car insurance premiums in Winfield are offered by Tennessee Farm Bureau at $274 for a six-month policy. However, it can be as expensive as $2196 with companies like AutoOwners.

Winfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$274	$46
Grange	$424	$70
Travelers	$723	$122
Farmers	$830	$140
USAA	$986	$166
Erie	$1023	$172
Progressive	$1029	$173
Tennessee Farmers	$1210	$202
State Farm	$1222	$206
Allstate	$1877	$316
Auto-Owners	$2196	$374

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 Winfield are offered by Westfield at $168. However, it can be as expensive as $2214 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Winfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$168	$28
Tennessee Farm Bureau	$174	$29
Auto-Owners Insurance Co	$244	$41
Cincinnati	$256	$43
Chubb	$280	$47
Erie	$605	$102
Travelers	$717	$121
USAA	$736	$125
State Farm	$798	$134
Auto-Owners	$923	$156
Progressive	$1154	$194
Farmers	$1572	$268
Allstate	$2214	$369

Car Insurance Price Trends in Winfield, Tennessee

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

The average cost of full coverage in the Winfield rose by $183 in January compared to $101 of December. In other words, there has been an increase by $82 when you compare January and December.

The average cost of liability insurance in the Winfield rose to $44 in January, compared to $39 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Winfield?

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

What is the cheapest car insurance in Winfield?

The cheapest car insurance in Winfield is $77 per month for full coverage.

How much is car insurance in Winfield for teenagers?

Car insurance for teenagers costs $168 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 Winfield?

The average cost of car insurance is $878 for a six-month policy. It will cost around $155 per month to insure your car in Winfield.

Is car insurance expensive in Winfield?

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

Cheapest Car Insurance Quotes in Winfield

Why you can trust Way?

How Much Is Car Insurance in Winfield

Avg. Car Insurance in Winfield

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Winfield

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Winfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Winfield, TN

Way's key takeaways about car insurance in Winfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Winfield

Cheapest Liability Coverage in Winfield, TN

Cheapest Full Coverage Car Insurance in Winfield

Cheapest Full Coverage Car Insurance Quotes in Winfield, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Winfield by Rating Factor

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

Car Insurance Premiums by Age in Winfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Winfield,TN

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

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 Winfield

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

Winfield Car Insurance Rates by Violation

Winfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Winfield after a DUI

Winfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Winfield after Speeding ticket

Car Insurance Price Trends in Winfield, Tennessee

Average Car Insurance Cost in Winfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Winfield, TN

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

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