Buy Cheap Smyrna, TN Auto Insurance (2021)

Smyrna, TN auto insurance rates average $269 a month. Minimum auto insurance requirements in Smyrna, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Smyrna, TN, compare Smyrna auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Smyrna, TN for teens drivers are $6,565/year
  • Average auto insurance rates in Smyrna, TN after a DUI are $4,118/year
  • The most expensive auto insurance company in Smyrna is Allstate

Finding affordable Smyrna, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Smyrna, TN auto insurance with confidence is right here. Auto insurance rates in Smyrna are affected by local factors as well as personal ones like your driving record.

See how Smyrna, TN car insurance rates compare to Knoxville auto insurance rates, Johnson City auto insurance rates, and Hendersonville auto insurance rates before you read more about the cost of auto insurance in Smyrna.

Don’t buy Smyrna, TN auto insurance until you’ve compared rates. Get free Smyrna, Tennessee auto insurance quotes when you enter your ZIP code above.

Smyrna, TN Minimum Auto Insurance Requirements

The required auto insurance in Smyrna, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Smyrna, Tennessee is outlined here.

Minimum Required Auto Insurance Coverage in Smyrna, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Smyrna, TN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Smyrna, TN. Take a look at Smyrna, Tennessee auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Smyrna, Tennessee

Insurance Company Poor Fair Good
Allstate $5,699 $4,378 $3,347
Farmers $3,777 $2,946 $2,786
GEICO $3,435 $2,945 $2,709
Liberty Mutual $8,295 $5,110 $3,997
Nationwide $4,260 $3,395 $3,014
Progressive $4,065 $3,505 $3,276
State Farm $3,718 $2,231 $1,733
Travelers $3,469 $2,733 $1,993
USAA $3,924 $2,307 $1,905

Buy Cheap Smyrna, TN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Smyrna, Tennessee auto insurance rates? Find out how car insurance rates in Smyrna, TN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Smyrna, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,575 $2,471 $2,327 $2,415 $9,779 $10,673 $2,735 $2,820
Farmers $1,715 $1,748 $1,543 $1,687 $6,732 $7,169 $2,315 $2,450
GEICO $1,990 $2,006 $1,830 $1,830 $6,178 $6,276 $2,031 $2,096
Nationwide $2,261 $2,277 $2,026 $2,056 $6,293 $8,108 $2,604 $2,823
Progressive $1,849 $1,744 $1,512 $1,574 $8,272 $9,309 $2,231 $2,429
State Farm $1,539 $1,539 $1,397 $1,397 $4,821 $6,023 $1,742 $2,026
Travelers $1,749 $1,840 $1,598 $1,700 $4,965 $6,181 $1,860 $1,957
USAA $1,523 $1,546 $1,377 $1,373 $5,481 $6,295 $1,989 $2,112

Buy Cheap Smyrna, TN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Smyrna can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Smyrna, TN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Smyrna, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,779 $10,673
Farmers $6,732 $7,169
GEICO $6,178 $6,276
Nationwide $6,293 $8,108
Progressive $8,272 $9,309
State Farm $4,821 $6,023
Travelers $4,965 $6,181
USAA $5,481 $6,295

Buy Cheap Smyrna, TN Auto Insurance for Seniors

You can save on senior auto insurance rates in Smyrna, Tennessee by comparing Smyrna senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Smyrna, TN here.

Annual Auto Insurance Rates for Senior Drivers in Smyrna, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,327 $2,415
Farmers $1,543 $1,687
GEICO $1,830 $1,830
Nationwide $2,026 $2,056
Progressive $1,512 $1,574
State Farm $1,397 $1,397
Travelers $1,598 $1,700
USAA $1,377 $1,373

Find Cheap Auto Insurance Rates in Smyrna, TN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Smyrna, Tennessee auto insurance. Compare Smyrna, TN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Smyrna, Tennessee

Insurance Company Low Medium High
Allstate $4,305 $4,463 $4,655
Farmers $3,000 $3,156 $3,353
GEICO $2,876 $3,026 $3,187
Liberty Mutual $5,559 $5,802 $6,040
Nationwide $3,576 $3,482 $3,610
Progressive $3,392 $3,620 $3,832
State Farm $2,404 $2,574 $2,704
Travelers $2,562 $2,729 $2,903
USAA $2,625 $2,703 $2,809

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Find Cheap Smyrna, TN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Smyrna. Compare auto insurance rates in Smyrna, TN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Smyrna, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,474 $4,474
Farmers $3,170 $3,170
GEICO $3,009 $3,050
Liberty Mutual $5,800 $5,800
Nationwide $3,556 $3,556
Progressive $3,615 $3,615
State Farm $2,499 $2,622
Travelers $2,624 $2,839
USAA $2,636 $2,787

Find Cheap Smyrna, TN Auto Insurance Rates by Driving Record

Auto insurance rates in Smyrna, Tennessee are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Smyrna, TN, take a look at the average cost for various violations versus rates for a clean driving record in Smyrna.

Annual Smyrna, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,745 $4,467 $5,400 $4,286
Farmers $2,712 $3,341 $3,410 $3,216
GEICO $2,210 $2,951 $4,747 $2,210
Liberty Mutual $4,696 $6,791 $6,310 $5,405
Nationwide $3,076 $3,076 $4,624 $3,449
Progressive $3,185 $4,133 $3,392 $3,749
State Farm $2,326 $2,794 $2,560 $2,560
Travelers $2,213 $2,845 $3,146 $2,721
USAA $1,970 $2,958 $3,472 $2,446

Find Cheap Smyrna, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Smyrna, Tennessee is higher than for a clean driving record. You can buy auto insurance after a DUI in Smyrna for less when you shop around and compare rates from multiple Smyrna, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Smyrna, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,400
Farmers $3,410
GEICO $4,747
Liberty Mutual $6,310
Nationwide $4,624
Progressive $3,392
State Farm $2,560
Travelers $3,146
USAA $3,472

Winners by Category: Where to Buy Cheap Auto Insurance in Smyrna, TN

Compare rates from the cheapest auto insurance companies in Smyrna, TN for your needs. Take a look at how Smyrna, Tennessee auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Smyrna, Tennessee

Category Insurance Company
Teenagers State Farm
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Find Cheap Smyrna, Tennessee Auto Insurance Companies

If you’re looking for the cheapest Smyrna, TN auto insurance companies overall, you can compare them here. Find the best price for Smyrna, Tennessee car insurance by company.

Average Annual Auto Insurance Rates by Company in Smyrna, Tennessee

Insurance Company Average Annual Rates
Allstate $4,474
Farmers $3,170
GEICO $3,029
Nationwide $3,556
Progressive $3,615
State Farm $2,560
Travelers $2,731
USAA $2,712

What affects Smyrna, Tennessee auto insurance rates?

Local factors affect auto insurance rates in Smyrna, TN, including traffic, theft statistics, and commute length. Take a look at the things that impact Smyrna auto insurance rates.

Commute Times in Smyrna

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Smyrna, TN is 29.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Smyrna, TN

You can buy cheap Smyrna, TN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Smyrna, Tennessee auto insurance quotes from top companies.

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