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How much is car insurance in Morristown?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Tennessee, coverage in Morristown is about $10 a month cheaper.
When stacked up against the national average, the average monthly policy payment for Morristown is more affordable. The average monthly payment in Morristown is about $38 cheaper than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Morristown, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Morristown residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $27 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Morristown.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in Morristown, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Morristown, a driving record with a single accident will usually get you a rate around $63 a month. In addition, drivers with one ticket can expect to pay around $81 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$46|
The cheapest vehicles to insure in Morristown are by and large trucks and vans, with each type typically costing about $37 per month.
Car and SUVs, however, both cost about the same amount for auto insurance -- around $43 per month.
In addition to vehicle type, 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, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Morristown are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Morristown can be as much as $9 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
One other element taken into consideration is your housing situation. In Morristown, homeowners can expect to pay around $8 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Morristown, TN
Recent trends in car insurance for Morristown drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance in Morristown decreased from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $30 a month
How does Morristown compare to neighboring areas?
Why are car insurance rates in Morristown different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Crime levels
- Access to off-street parking
- Amount of drivers in the area
- Frequency of car accidents
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Morristown?
Equipping 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.
But wait! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Morristown.
Morristown Insurance FAQs
What factors affect car insurance quotes in Morristown?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Morristown different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Morristown?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Morristown?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Morristown or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.