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Cheapest car insurance in Maryville, Tennessee (Nov 2024)
Cheapest car insurance in Maryville, Tennessee (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Maryville, Tennessee.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Maryville
- How to find the cheapest car insurance quotes in Maryville
- Best cheap car insurance quotes in Maryville
- Average cost of car insurance in Maryville
- Car insurance quotes in Maryville by rating factors
- How do different factors impact your car insurance costs in Maryville?
- Cheap car insurance quotes in Maryville after driving violations
- Cheap car insurance quotes in Maryville by age
- Cheap car insurance quotes in Maryville based on insurance history
- Cheap car insurance quotes in Maryville for popular cars
- How to lower car insurance costs in Maryville
- FAQs
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Maryville
Insurance providers use several rating factors to determine car insurance premiums, meaning quotes are as unique as the driver.
Take a look at how real Maryville drivers rated these and other providers on cost, claims experience, and customer service.
Insurance Company | Overall Jerry rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
4.2 | $1,384 | $593 | |
4.2 | $1,412 | $442 | |
4.5 | $1,438 | $815 | |
4.2 | $1,484 | $770 | |
4.1 | $1,590 | $513 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance quotes in Maryville
It costs the average Maryville driver $63 per month for state minimum liability coverage or $756 per month. Those looking for full coverage can see an average rate of $157 per month or $1,884 annually.
Finding affordable
auto insurance
in any city can be tricky, but if you want to find the best rate in Maryville, Tennessee
, comparing rates from multiple providers is the easiest way to save.But with dozens of insurance providers, collecting quotes and comparing rates can seem like a big ask.
Save yourself time (and money) by shopping around with the Jerry app. In under a minute, Jerry pulls the best quotes from a pool of top insurers in your area to find you the most affordable rate. Best of all, Jerry will walk you through the entire process, and the quotes are completely free.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $107 | Sylvia, 38 Zip: 37804 | Chrysler 300 Touring | • State Minimum Liability • Comp / Collision |
| Nationwide | $193 | Peter, 25 Zip: 37803 | KIA Optima SX | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $63 | Lily, 27 Zip: 37803 | Mazda 6 i | • State Minimum Liability |
| Travelers | $161 | Anthony, 33 Zip: 37803 | Nissan Sentra S | • 50,000/100,000 Liability • Comp / Collision |
| National General | $218 | Jorge, 36 Zip: 37801 | KIA Optima | • State Minimum Liability • Comp / Collision |
Last Updated Nov 16, 2024Best cheap car insurance quotes in Maryville
Tennessee car insurance laws require all Maryville drivers to purchase car insurance that meets or exceeds the
state’s minimum requirements
. In TN, that means carrying liability insurance with limits of at least 25/50/25. However, many drivers choose a full-coverage policy that offers more legal and financial peace of mind in the event of an accident.
Cheap minimum liability insurance quotes in Maryville
Tennessee minimum car insurance requirements are as follows:
- $50,000 of bodily injury liability per accident
Although
uninsured/underinsured motorist coverage
isn’t legally required in Tennessee, all insurers must offer it to policyholders; if they choose to reject coverage, they must do so in writing.Here’s a look at rates Jerry users found for minimum liability coverage in Maryville.
Sylvia (38 years old)
$107
per month
Randy (44 years old)
$89
per month
Electric
Winnie (65 years old)
$99
per month
Do you need more than minimum coverage in Maryville?
In most cases, yes.
While minimum coverage liability insurance is the cheapest coverage option for Maryville drivers, it’s generally not enough to protect drivers from actual expenses following a collision.
In the event of an accident, expenses can quickly exhaust Tennessee's minimum car insurance requirements, especially if there are serious injuries or a vehicle is totaled. Once your liability limits are reached, the remaining expenses come out-of-pocket.
And because
Tennessee’s car accident laws
allow drivers to file property damage lawsuits up to three years after the accident, your liability can extend beyond the original crash. If you’re not purchasing a full-coverage policy that covers physical damages for you and the other parties involved, most experts will recommend increasing liability limits to at least 50/100/50 (but 100/300/100 is even better).
Cheap full coverage car insurance quotes in Maryville
Minimum liability insurance covers third-party injuries and vehicle damage, but it doesn’t cover any of your expenses—you need a full coverage policy for that.
Full coverage auto insurance includes:
- Collision coveragepays for repairs or replacement of your vehicle after an accident with another car or stationary object.
- Comprehensive coveragepays for repair or replacement costs in non-collision-related incidents, such as theft, vandalism, or a collision with an animal.
It’s also important to note that if you loan or lease your vehicle, your lender will likely require you to have collision and comprehensive coverage for the duration of your auto loan or lease. You’ll also need full coverage if you want additional coverages, such as towing and labor coverage (a cheaper version of
roadside assistance
).Remember: Collision and comprehensive coverage are both subject to deductibles. Increasing your deductible to the highest amount you can afford out-of-pocket in the event of an accident can help reduce your monthly car insurance payments.
Here’s a look at rates Jerry users found for full coverage in Maryville.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $107 | Sylvia, 38 Zip: 37804 | Chrysler 300 Touring |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $161 | Anthony, 33 Zip: 37803 | Nissan Sentra S |
• State Minimum Liability • Comp / Collision | Safeco | $90 | Viola, 40 Zip: 37803 | Toyota Sienna LE |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $193 | Peter, 25 Zip: 37803 | KIA Optima SX |
• State Minimum Liability • Comp / Collision | National General | $218 | Jorge, 36 Zip: 37801 | KIA Optima |
Last Updated Nov 16, 2024Finding the coverage you want at a price that fits your budget can be a challenge. In just under a minute, Jerry pulls quotes from the nation’s top providers to find you the best rate (and best of all, the quotes are free of charge!).
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Maryville
The average cost of minimum coverage car insurance in Maryville, Tennessee, is $63 per month or $756 per year. For a full coverage policy, drivers pay around $157 per month or $1,884 per year.
While the average cost of insurance in Maryville offers a look at how much you can expect to pay, car insurance rates are highly individualized and will vary based on the provider and driver profiles. Factors influencing rates include your age, vehicle make and model, driving record, ZIP code, and insurance needs.
Average cost of car insurance in Maryville by zip code
Where you live within your city can affect how much you’ll pay to insure your car. City-specific factors, such as traffic patterns and crime rates, influence insurance rates. For example, premiums will be higher for a driver living in a city with heavy traffic than a driver in a rural area with low traffic.
Check out the table below to see how your ZIP code may influence your Maryville insurance rates.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
37803 | $52 | $107 |
37804 | $60 | $120 |
Car insurance quotes in Maryville by rating factors
Every insurance company uses a different algorithm to
calculate your auto insurance premium
. Some factors that will influence your rate include: - Your driving record and claims history: Drivers with a history of at-fault accidents or moving violations will face higher premiums than drivers with a clean record.
- Your age: Drivers under 25 face some of the highest insurance rates due to a lack of driving experience. Similarly, senior drivers 75+ will face higher rates due to an increased risk of accidents and injuries, while middle-aged drivers typically enjoy some of the most affordable rates.
- Your location: City drivers typically pay higher rates than rural drivers due to increased crime rates and population density.
- Annual mileage: The more you drive, the higher your risk of being involved in an accident and the more you’ll pay to insure your car.
- What car you drive: Luxury, sport, and high-performance vehicles generally cost more to insure due to higher repair and replacement costs.
- Your credit score: Drivers with good credit scores are rewarded with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Maryville?
How do different factors impact your car insurance costs in Maryville?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Tennessee currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Maryville:
Cheap car insurance quotes in Maryville after driving violations
Your
Tennessee driving record
has one of the biggest influences on how much you’ll pay to insure your vehicle. Drivers with a history of violations and accidents are at higher risk for insurers, so they’ll face higher premiums. Some common violations that can increase insurance rates include:
Cheapest car insurance in Maryville after DUI
A
DUI in Tennessee
is a major red flag for insurers that pegs you as a high-risk driver; the higher your risk as a policyholder, the higher insurance rates you’ll face. Plus, some insurers won’t offer coverage for drivers with a DUI, especially if you’re a repeat offender.But thanks to Jerry, Maryville drivers with a DUI can still find affordable coverage.
Gilbert (34 years old)
$117
per month
Cheapest car insurance in Maryville after an at-fault accident
At-fault accidents are another reason for high insurance premiums. Multiple accidents on your record suggest you’re a risky driver, which, to insurers, means a more costly driver—that’s why you’ll see higher insurance rates than drivers with
clean driving records
.If you were recently involved in an at-fault accident and saw your insurance rates climb, use the Jerry app to help you find the most affordable rates.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $117 | Rachel, 33 Zip: 37804 | Mazda CX-5 Select | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $90 | Hettie, 39 Zip: 37803 | Toyota Sienna LE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $161 | Etta, 32 Zip: 37803 | Nissan Sentra S | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Maryville after other driving violations
Most moving violations will affect your car insurance rates to some degree, but it doesn’t stop with DUIs, speeding tickets, and accidents. Other offenses, such as reckless driving, driving with a suspended license, and driving without insurance, can also lead to higher-than-average rates in Humboldt.
Here’s a look at rates Humboldt drivers found with Jerry with these and other violations on their driving records.
Last Updated Nov 18, 2024Cheap car insurance quotes in Maryville by age
Age isn’t everything, but drivers under 25 (and new drivers) pay the highest rates due to a lack of driving experience. Luckily, this is only temporary, as insurance rates will decrease after 25. Similarly, insurance rates will increase for seniors due to a higher risk of being involved in an accident.
Cheapest car insurance in Maryville for young drivers
Teen drivers aged 16 to 19 face some of the highest insurance premiums of any age group in Maryville, TN, due to a lack of behind-the-wheel experience and a higher risk of collisions. New drivers are also at the same disadvantage and face higher rates. As experience increases, insurance rates come down.
Although minimum coverage is the cheapest option for young and new drivers, most can benefit from the additional financial security a full coverage policy offers, especially if you have a new car.
Janie (24 years old)
$86
per month
Gainsco
Lora (24 years old)
$152
per month
Justin (24 years old)
$110
per month
Cheapest car insurance in Maryville for senior drivers
As with young drivers, seniors are at a higher risk of being involved in an accident due to slow reflexes and are also more vulnerable to severe injuries from a collision. Senior drivers aged 75 and over pay higher rates than middle-aged drivers.
Fortunately, Jerry can help senior drivers in Maryville find the most affordable auto insurance rates.
Electric
Winnie (65 years old)
$99
per month
Cheap car insurance quotes in Maryville based on insurance history
Like your driving record and claims history, your insurance history can influence how much you’ll pay for insurance coverage. Insurers want to see that you’ve had continuous insurance coverage throughout your driving life, and a history of
coverage lapses
signals you’re a risky driver, which will increase your auto insurance rates.If you’ve had a previous insurance lapse or are a new driver with limited insurance history, use the Jerry app to help you find the cheapest car insurance rates.
Check out below to see how Jerry helps Maryville drivers find affordable coverage.
Cecelia (44 years old)
$150
per month
Loretta (24 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Maryville, TN (Zip Code: 37803)
$193
per month
Luella (36 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Maryville, TN (Zip Code: 37803)
$69
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Maryville for drivers with bad credit
Not every insurer uses credit-based insurance scores to calculate premiums, but those that do reward drivers with good credit with the lowest insurance rates. Statistically speaking, there is a correlation between
low credit scores
(<550) and an increased frequency of claims, so drivers with bad credit pay higher premiums than drivers with excellent credit (>750).Take a look below to see just how impactful credit scores can be on your insurance rates.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $83 | Lewis, 48 Zip: 37801 | Honda CR-V LX | • 250,000/500,000 Liability • Comp / Collision |
660 - 750 | Progressive | $117 | Frank, 29 Zip: 37804 | KIA Optima LX | • State Minimum Liability • Comp / Collision |
660 - 750 | The General | $82 | Leona, 26 Zip: 37803 | Honda Civic SI | • State Minimum Liability |
550 - 659 | Gainsco | $153 | Henry, 44 Zip: 37804 | Toyota Camry LE | • State Minimum Liability • Comp / Collision |
< 550 | Gainsco | $105 | Virginia, 40 Zip: 37803 | Ford Fusion S | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Maryville for popular cars
Your vehicle make and model can also affect auto insurance rates. Vehicles with higher repair and replacement costs—new, luxury, sports, or high-performance—have higher insurance costs than older, non-luxury vehicles.
Check out the table below to see insurance prices for some of the most popular cars in Maryville, Tennessee:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 ST | Progressive | $143 | Essie, 45 Zip: 37801 | • State Minimum Liability • Comp / Collision |
| Honda Civic LX | Nationwide | $163 | Bettie, 27 Zip: 37804 | • 50,000/100,000 Liability • Comp / Collision |
| Nissan Altima 2.5 | Progressive | $92 | Charlie, 46 Zip: 37801 | • State Minimum Liability • Comp / Collision |
| Toyota Camry LE | Gainsco | $153 | Luis, 44 Zip: 37804 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest car insurance in Maryville for new vs. old car
In addition to its make and model, your vehicle’s age also plays a role in calculating insurance premiums. Newer cars have higher MSRPs and more features that cost insurers more to repair or replace in the event of an accident.
See below how your Maryville insurance rates may change based on your vehicle’s model year:
Sylvia (38 years old)
$107
per month
Anthony (33 years old)
2019 Nissan Sentra S
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Maryville, TN (Zip Code: 37803)
$161
per month
Lily (27 years old)
$63
per month
Peter (25 years old)
2017 KIA Optima SX
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Maryville, TN (Zip Code: 37803)
$193
per month
Randy (44 years old)
$89
per month
Jorge (36 years old)
$218
per month
How to lower car insurance costs in Maryville
1. Shop around and compare quotes
Every insurance company uses a different set of rating factors to calculate insurance premiums. That’s why the best way to find the most affordable insurance rates in Maryville, TN, is to shop around and compare quotes from at least three different providers before deciding. And because your driver profile and insurer criteria are constantly changing, you can stay on top of the cheapest insurance rates by
shopping around every six months
. With dozens of insurance providers in Maryville, shopping for different quotes can take time—use Jerry to simplify the process. In less than a minute, Jerry pulls quotes from top providers to find you the best rate (and the quotes are free!).
2. Hunt for car insurance discounts
Every insurer offers
car insurance discounts
, but what’s available will depend on your location and the insurance company. Some popular discounts include:
- Good/safe driver discounts: Drivers with a clean driving record free of violations for at least three years may be eligible for a discount on their auto insurance premium.
- Telematics discounts: Many companies offer discounts to drivers who use telematics apps or devices to track their driving habits. The safer you drive, the more you can save.
- Good student discounts: Full-time high school or college students who maintain a B average or better may qualify for a discount to offset high insurance costs for young drivers.
- Bundling discounts:Bundling your auto and home insurance(or auto and renters insurance) with the same provider could help you save on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you have full coverage on your vehicle, increasing your deductible to the highest amount you can reasonably afford in the event of a crash can help reduce your monthly car insurance payments—and you won’t have to sacrifice coverage to do it.
FAQs
How much is car insurance per month in Tennessee?
The average cost of a minimum coverage insurance policy in Tennessee is $63 per month or $756 per year. In contrast, a full coverage policy costs about $157 per month or $1,884 per year.
Who is known for the cheapest car insurance?
Car insurance premiums are based on several rating factors, many of which are driver-specific. As such, there’s no single cheapest car insurance company for every driver. However, our nationwide survey shows drivers in Maryville, TN, had good feedback about Bristol West, GEICO, Travelers, and Allstate.
What is the basic car insurance in Tennessee?
Tennessee's minimum car insurance requirements follow a 25/50/25 coverage pattern. All drivers must have at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
Is Tennessee a no-fault state?
No, Tennessee is considered an “at-fault state,” meaning the driver found at fault for the accident is legally and financially responsible for damages and injuries resulting from the accident. The at-fault driver’s insurance provider will cover damages and injuries up to the policy limit. After that, the responsible driver is legally obligated to cover the remaining costs.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.