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Cheapest car insurance in Maryville, Tennessee (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Maryville, Tennessee.
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Andrea Barrett
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

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. 
To help you find the best company for you, Jerry administered a nationwide survey to find the best car insurance companies and found that Bristol West,
GEICO
,
Travelers
, and
Allstate
in Maryville, TN, have excellent cost, customer service, and claims processing ratings. 
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
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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. 
Maryville, Tennessee drivers found these real quotes using the
Jerry
app. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$150
Rena, 44
Zip: 37804
Toyota Camry LE
• State Minimum Liability
• Comp / Collision
Nationwide
$193
Roger, 24
Zip: 37803
KIA Optima SX
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$63
Ora, 26
Zip: 37803
Mazda 6 i
• State Minimum Liability
Travelers
$161
Charlotte, 32
Zip: 37803
Nissan Sentra S
• 50,000/100,000 Liability
• Comp / Collision
National General
$94
Lewis, 24
Zip: 37801
Chevrolet Malibu LS
• State Minimum Liability
coverageLast Updated Jul 13, 2024

Best 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:
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.
card cover
Rena (44 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37804)
$150
per month
card cover
Ora (26 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37803)
$63
per month
card cover
Lewis (24 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37801)
$94
per month
card cover
Wesley (23 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37801)
$110
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 coverage
    pays for repairs or replacement of your vehicle after an accident with another car or stationary object.
  • Comprehensive coverage
    pays 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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$150
Rena, 44
Zip: 37804
Toyota Camry LE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$161
Charlotte, 32
Zip: 37803
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Safeco
$90
Adelaide, 39
Zip: 37803
Toyota Sienna LE
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$193
Roger, 24
Zip: 37803
KIA Optima SX
• State Minimum Liability
• Comp / Collision
National General
$138
Walter, 45
Zip: 37801
RAM 1500 ST
coverageLast Updated Jul 13, 2024
Finding 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!).
Lower my car insurance too!

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 CodeAverage State Minimum Coverage RateAverage 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?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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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. 
card cover
Sara (32 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMaryville, TN
(Zip Code: 37804)
$81
per month
card cover
Norman (40 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37803)
$80
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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$117
Addie, 33
Zip: 37804
Mazda CX-5 Select
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$90
Steve, 39
Zip: 37803
Toyota Sienna LE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$161
Robert, 32
Zip: 37803
Nissan Sentra S
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 13, 2024

Cheapest 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
AAA
$54
John, 35
Zip: 37802
Isuzu Ascender
• 100,000/300,000 Liability
Defective Equipment
Safeco
$50
Alberta, 38
Zip: 37803
Isuzu Ascender
• 100,000/300,000 Liability
coverageLast Updated Jul 8, 2024

Cheap 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. 
card cover
Lucinda (23 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37801)
$191
per month
card cover
Cynthia (24 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37804)
$244
per month
card cover
Anne (22 years old)
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37804)
carChevrolet Impala LS
$95
per month
card cover
Roger (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMaryville, TN
(Zip Code: 37803)
carKIA Optima SX
$193
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.
card cover
Nellie (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMaryville, TN
(Zip Code: 37804)
$71
per month
card cover
Mike (74 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMaryville, TN
(Zip Code: 37803)
$79
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.
card cover
Nannie (44 years old)
Currently Insured
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37804)
$150
per month
card cover
Austin (57 years old)
Currently Insured
coverageCoverage
State Minimum
locationMaryville, TN
(Zip Code: 37804)
$85
per month
card cover
Anne (24 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMaryville, TN
(Zip Code: 37803)
carKIA Optima SX
$193
per month
card cover
Robert (32 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMaryville, TN
(Zip Code: 37803)
$161
per month
card cover
Clarence (36 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationMaryville, TN
(Zip Code: 37803)
$69
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$83
Bobby, 48
Zip: 37801
Honda CR-V LX
• 250,000/500,000 Liability
• Comp / Collision
660 - 750
Progressive
$117
Lee, 29
Zip: 37804
KIA Optima LX
• State Minimum Liability
• Comp / Collision
660 - 750
The General
$82
Gene, 26
Zip: 37803
Honda Civic SI
• State Minimum Liability
550 - 659
Gainsco
$153
Walter, 44
Zip: 37804
Toyota Camry LE
• State Minimum Liability
• Comp / Collision
< 550
Gainsco
$105
Marion, 40
Zip: 37803
Ford Fusion S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 12, 2024

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. 

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

avatar
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.
avatar
Maria Cruz
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.