Greeneville, TN Car Insurance

The average cost for car insurance in Greeneville is about $53 a month. To learn more about car insurance rates in the Greeneville area, read our guide below.
What rates can residents of Greeneville expect to pay for their car insurance? How does Greeneville stack up to the rest of the area, or even Tennessee as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Greeneville?

Area Average Monthly Car Insurance Premium
Greeneville$53
TN$53
United States$81

Looking at the chart above, you can see that the average monthly price in Greeneville is in line with pricing for the rest of Tennessee.

Drivers relocating from out of state may enjoy some cost savings in Greeneville. Auto insurance coverage in Greeneville is about $28 cheaper than it is for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Greeneville, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Greeneville and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$40
35-44$41
45-54$35
55-64$32
65+$33

It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up in Greeneville.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$54

On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Greeneville is only about $3 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$96
1 Ticket$78
Multiple Tickets$66

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Greeneville, having a single accident on your record will usually get you rates around $78 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $78.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$39
4-5 Years$35
6-7 Years$93
8-10 Years$53
11-14 Years$53
15 Years or Older$50

The cheapest vehicles to insure in Greeneville are typically trucks and vans, with each type typically costing about $49 per month.

Car owners can expect to pay an average of around $53 a month for their policy, while SUVs usually cost around $55 a month to insure.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Greeneville are vehicles six-to-seven years old and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$33
Divorced$36
Widowed$39

Generally speaking, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Greeneville as well, where the difference is around $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$49
Live with parents$79

Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Greeneville can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Greeneville, TN

Recent trends in car insurance for Greeneville drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

In Greeneville, auto insurance rates dropped from 2017-2018, when they reached a low of $36. This changed in 2019, when they began to increase again. They finished up in 2022, at $67 per month

How does Greeneville compare to neighboring areas?

Why are car insurance rates in Greeneville different from other areas?

There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Road Safety (how many accidents each locality has)
  • Off-street parking accessibility
  • Amount of drivers in the region
  • Crime
  • Regional laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Greeneville?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Greeneville.

Compare the cheapest quotes from dozens of insurance companies

Greeneville Insurance FAQs

What factors affect car insurance quotes in Greeneville?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Greeneville different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Greeneville?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Greeneville?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Greeneville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes