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

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Smyrna?

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 Smyrna?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Smyrna or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Smyrna, TN Car Insurance Quotes for 2026

Updated May 7, 2026

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Are rates in Smyrna higher or lower than those in neighboring areas? How do they compare to the rest of Tennessee? What rates can residents of Smyrna expect to pay for their car insurance? 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 Smyrna?

Area	Average Monthly Car Insurance Premium
Smyrna	$57
TN	$53
United States	$81

Based on the information in the chart above, you can see that on average, it's about $4 a month more expensive to insure your vehicle in Smyrna than it is in the rest of Tennessee.

On the other hand, when compared to the national average, the cost for auto insurance in Smyrna is lower. On average, it's about $24 less to insure your vehicle in Smyrna than it is in the rest of the United States.

Bear in mind that while these rates are the average costs for Smyrna residents, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Smyrna so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

The Cheapest Car Insurance Companies in Smyrna, Tennessee

The table below breaks down the cheapest companies for Smyrna drivers, according to our research.

The below rates in Smyrna, TN, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.

Company	Average Monthly Premium
Sun Coast	$47
Mile Auto	$48
State Farm	$48
Certainly	$53
Progressive	$54
Direct Auto	$56
USAA	$57
AssuranceAmerica	$63
GEICO	$63
Freedom National	$64
Auto-Owners	$66
The General	$66
Travelers	$66
Erie	$70
Trexis	$70
Safeco	$77
Trexis One	$79
GAINSCO	$81
Dairyland	$84
Mendota	$84
National General	$88
Allstate	$89
First Acceptance	$89
Auto-Owners	$94
Farmers	$96
Liberty Mutual	$99
Foremost	$101
Bristol West	$102
State Farm	$102
Country Financial	$103
Root	$103
Elephant	$105
Allstate	$111
Mile Auto	$113
Nationwide	$117
USAA	$119
Chubb	$138
Foremost	$147
Progressive	$147
Mercury	$159
State Auto	$184
Root	$187
Bristol West	$191
GEICO	$192
Clearcover	$194
GAINSCO	$196
Direct Auto	$199
The General	$212
AssuranceAmerica	$219
Safeco	$224
National General	$226
Trexis One	$228
Mendota	$235
Nationwide	$245
First Acceptance	$247
Trexis	$252
Liberty Mutual	$403

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average Car Insurance Rates by Age

Age Range	Average Premium
Under 18	Not Enough Data
18-24	$83
25-34	$47
35-44	$44
45-54	Not Enough Data
55-64	$37
65+	$53

The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to car 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.

You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to increase again once you hit retirement age in Smyrna.

Average Car Insurance Rates by Gender

Gender	Average
Male	$63
Female	$52

In general, female drivers pay less for car insurance than their male counterparts. The difference in Smyrna is about $11 per month. Based on the chart above, you can see that male drivers pay $63 on average, while female drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions	Average Monthly Premium
1 Accident	$70
Multiple Accidents	$90
1 Ticket	$76
Multiple Tickets	$87

Rates can change drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. Drivers in Smyrna with a single accident on their record will usually see rates around $70 a month. In addition, drivers with one ticket can expect to pay around $76 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Category	Price
Car	$58
SUV	$52
Truck/Van	$59

Vehicle Age	Average Monthly Premium
Less Than 1 Year	$94
2-3 Years	$60
4-5 Years	$72
6-7 Years	$59
8-10 Years	$56
11-14 Years	$56
15 Years or Older	$54

In terms of affordable coverage, the cheapest vehicles to insure in Smyrna are typically SUVs, at $52 per month.

Truck and van drivers will see rates of about $59 to insure their vehicle, while SUV owners by and large pay around $52 a month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Smyrna, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship	Average Monthly Premium
Single (never married)	$62
Married	$44
Divorced	$44
Widowed	$56

On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Smyrna can be as much as $18 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status	Average Monthly Premium
Own	$48
Rent	$58
Live with parents	$79

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Smyrna. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Recent trends in car insurance for Smyrna drivers

Category	Price
2017	$60
2018	$69
2019	$43
2020	$74
2021	$53
2022	$51

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The rates for auto insurance in Smyrna went up from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $51 per month.

How does Smyrna compare to neighboring areas?

Category	Price
NASHVILLE	$53
MURFREESBORO	$54
CLARKSVILLE	$55
ANTIOCH	$58
MEMPHIS	$67

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

There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

Road Safety (frequency of local car accidents)
Local crime rates
Off-street parking access
Area laws
Amount of drivers in the community

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Smyrna?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Smyrna.

Smyrna Insurance FAQs

Why is the cost of car insurance in Smyrna different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Smyrna?
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 Smyrna?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Smyrna or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Car Insurance in Tennessee

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All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
None of Compare.com's content is ever influenced by the companies and brands we partner with.
Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
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