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How much is car insurance in Sevierville?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Sevierville is about $5 cheaper than it is in the rest of Tennessee.
Compared to the national average cost of auto insurance coverage, Sevierville has lower rates. The average monthly payment in Sevierville is about $33 less than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Sevierville, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Sevierville residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Sevierville.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. Male and female drivers in Sevierville, however, both pay the same monthly amount for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Sevierville, a driving record with one accident will usually get you a rate around $70 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $66.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$27|
|15 Years or Older||$48|
As you can see in the first table above, the cheapest vehicles to insure in Sevierville are by and large SUVs, which run about $44 per month.
Truck and van drivers will see rates of about $49, while the rates for SUV owners average out to about $44 a month.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Sevierville, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
More often than not, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Sevierville can be as much as $14 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Sevierville, expect to pay around $9 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Sevierville, TN
Recent trends in car insurance for Sevierville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for auto insurance in Sevierville had been increasing from 2016-2018, before leveling out in 2019. Policy premiums went up again recently, reaching a high of $57 in 2021.
How does Sevierville compare to neighboring areas?
Why are car insurance rates in Sevierville different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Rate of car accidents
- Total amount of drivers in the area
- Access to off-street parking
- Crime rates
- Area regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Sevierville?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Sevierville.
Sevierville Insurance FAQs
What factors affect car insurance quotes in Sevierville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Sevierville different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Sevierville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Sevierville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Sevierville 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.