Cheapest Car Insurance Quotes in Woodland Mills

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Woodland Mills Car Insurance

^$ 23

/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 Woodland Mills

The car insurance rate in Woodland Mills 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 Woodland Mills 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 Woodland Mills

$800

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Woodland Mills

1st place: AutoOwners Insurance Co

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 Woodland Mills.

Woodland Mills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodland Mills, 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 Woodland Mills drivers find the best deals.

Cheap Car Insurance Companies in Woodland Mills, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$419	$70
Erie	$442	$75
Westfield	$442	$74
Tennessee Farm Bureau	$471	$80
Travelers	$658	$111
Farmers	$798	$134
USAA	$804	$135
Grange	$809	$136
Farm Bureau of Tennessee	$838	$140
Tennessee Farmers	$937	$160
Penn National	$1013	$169
State Farm	$1106	$188
Nationwide	$1123	$187
Progressive	$1339	$227

Key Takeaways

Way's key takeaways about car insurance in Woodland Mills

The auto insurance costs in Woodland Mills fall around $419 for six months.
The cheapest auto insurance company in Woodland Mills is Westfield.
Teen drivers pay the highest rate in Woodland Mills at $47 per month.

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Cheapest Minimum Liability Car Insurance in Woodland Mills

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 Woodland Mills are given below.

Westfield provides the cheapest minimum car insurance coverage in Woodland Mills. Their Average 6 Month Premium is $134. AutoOwners is the most expensive at $192 for the same period.

Cheapest Liability Coverage in Woodland Mills, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$23
Auto-Owners Insurance Co	$157	$26
Tennessee Farm Bureau	$163	$27
Farm Bureau of Tennessee	$169	$28
Tennessee Farmers	$192	$32
USAA	$192	$32
Cincinnati	$198	$33
Erie	$210	$35
Travelers	$210	$35
Farmers	$221	$37
Penn National	$239	$40
Progressive	$262	$44
State Farm	$262	$44
Allstate	$425	$73
Auto-Owners	$192	$32

Cheapest Full Coverage Car Insurance in Woodland Mills

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 Woodland Mills is AutoOwners Insurance Co at $70 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodland Mills, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$419	$70
Erie	$442	$75
Westfield	$442	$74
Tennessee Farm Bureau	$471	$80
Travelers	$658	$111
Farmers	$798	$134
USAA	$804	$135
Grange	$809	$136
Farm Bureau of Tennessee	$838	$140
Tennessee Farmers	$937	$160
Penn National	$1013	$169
State Farm	$1106	$188
Nationwide	$1123	$187
Progressive	$1339	$227

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Average Car Insurance in Woodland Mills 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 Woodland Mills, TN increasing?

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

Car Insurance Premiums by Age in Woodland Mills

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 Woodland Mills,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Woodland Mills at $26 per month. At $279 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
USAA	$186	$31
Tennessee Farm Bureau	$221	$37
Travelers	$221	$37
Auto-Owners Insurance Co	$233	$39
Farmers	$250	$42
Grange	$250	$42
Progressive	$250	$42
Cincinnati	$256	$43
Erie	$256	$43
State Farm	$279	$47

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 Woodland Mills.

As young drivers face the highest rates in Woodland Mills, 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 Woodland Mills, 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 Woodland Mills is Erie, offering rates of around $367 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$186	$31
Westfield	$244	$41
Grange	$291	$50
Farmers	$315	$52
Progressive	$315	$54
Travelers	$315	$52
Cincinnati	$343	$59
Erie	$367	$61

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Car Insurance Rates with An Accident in Woodland Mills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Woodland Mills

The cheapest car insurance companies after an at-fault accident in Woodland Mills 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$163	$27
Farm Bureau of Tennessee	$169	$28
Westfield	$227	$38
USAA	$244	$41
Farmers	$250	$42
Travelers	$256	$43
Progressive	$268	$45
Erie	$285	$48
State Farm	$285	$48
Auto-Owners Insurance Co	$291	$50
Grange	$315	$52

Woodland Mills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodland Mills TN. For example, the car insurance in Woodland Mills 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.

Woodland Mills 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 Woodland Mills 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 Woodland Mills.

The cheapest car insurance premiums in Woodland Mills 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.

Woodland Mills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$256	$43
Farmers	$297	$50
Erie	$303	$52
Grange	$396	$66
Travelers	$489	$82
State Farm	$705	$119
Progressive	$733	$123
USAA	$832	$140
Tennessee Farmers	$1129	$192
Allstate	$1606	$268

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 Woodland Mills 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 Woodland Mills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
Tennessee Farm Bureau	$163	$27
Erie	$186	$31
Auto-Owners Insurance Co	$227	$38
State Farm	$227	$38
Cincinnati	$239	$40
Travelers	$256	$43
Chubb	$262	$44
Progressive	$268	$45

Car Insurance Price Trends in Woodland Mills, Tennessee

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

The average cost of full coverage in the Woodland Mills 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 Woodland Mills remained steady at $36 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 Woodland Mills?

The car insurance in Woodland Mills is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Woodland Mills?

The cheapest car insurance in Woodland Mills is $70 per month for full coverage.

How much is car insurance in Woodland Mills 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 Woodland Mills?

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 Woodland Mills.

Is car insurance expensive in Woodland Mills?

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

Cheapest Car Insurance Quotes in Woodland Mills

Why you can trust Way?

How Much Is Car Insurance in Woodland Mills

Avg. Car Insurance in Woodland Mills

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Woodland Mills

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Woodland Mills Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodland Mills, TN

Way's key takeaways about car insurance in Woodland Mills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodland Mills

Cheapest Liability Coverage in Woodland Mills, TN

Cheapest Full Coverage Car Insurance in Woodland Mills

Cheapest Full Coverage Car Insurance Quotes in Woodland Mills, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodland Mills by Rating Factor

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

Car Insurance Premiums by Age in Woodland Mills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodland Mills,TN

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

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 Woodland Mills

Cheapest Car Insurance Companies after an At-Fault Accident in Woodland Mills

Woodland Mills Car Insurance Rates by Violation

Woodland Mills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodland Mills after a DUI

Woodland Mills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodland Mills after Speeding ticket

Car Insurance Price Trends in Woodland Mills, Tennessee

Average Car Insurance Cost in Woodland Mills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodland Mills, TN

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

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