Maryville households can compare auto coverage without the runaround through Freedom Insurance Group. Call (800) 253-1482 or request a quote online.
Maryville, Tennessee: average car insurance rates
Figures on this page are estimates and averages for illustration for comparison only, not guaranteed quotes. Drivers, vehicles, and ZIP code, along with limits, deductibles, credit where allowed, and claims history, determine what you pay.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Maryville, Tennessee | $167.03 |
Lowest-priced car insurance companies in Maryville, TN
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $147.30 |
| 2 | Progressive | $148.26 |
| 3 | Safeco | $151.11 |
| 4 | Root | $152.55 |
| 5 | National General NS | $171.27 |
| 6 | GAINSCO | $175.27 |
| 7 | Lemonade | $179.40 |
| 8 | Allstate | $182.61 |
| 9 | Travelers | $183.32 |
| 10 | Chubb | $193.79 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,124.83 |
| 20s | $124.03 |
| 30s | $121.23 |
| 40s | $133.22 |
| 50s | $121.02 |
| 60s | $106.16 |
| 70+ | $113.96 |
Check Out Other Rates in Maryville, TN Nearby Cities:
Auto coverage explainers for Maryville drivers
A serious injury claim or a newer financed vehicle rarely fits within minimum liability, even if Tennessee law accepts the minimum. When you compare quotes in Maryville, work through the outline below.
- Bodily injury & property damage liability: Pays for injuries and damage to others when you are at fault. If you own a home with equity, have savings, or drive a long commute through heavy traffic, higher limits are worth pricing.
- Collision: If you hit another vehicle or an object, your car’s repairs are covered, subject to your deductible.
- Comprehensive: Covers losses that are not crashes, including theft, hail, cracked glass, and animal strikes, especially relevant in storm-prone areas.
- Uninsured & underinsured motorist: Covers you if the at-fault driver has little or no insurance. State rules for UM/UIM differ, so ask how it works before you waive it.
- Medical payments or PIP: Helps with medical bills for you and your passengers after an accident; availability and stacking rules vary by state.
- Rental reimbursement coverage: Keeps you on the road during shop time after a covered claim by paying toward a rental car.
- Roadside assistance: On the policy it can undercut a separate club membership and covers towing, battery, and lockout help.
- Higher liability limits & umbrella coordination: If you carry an umbrella, make sure auto limits meet the carrier’s underlying requirements.
Lenders and leasing companies will almost always require collision and comprehensive on vehicles in Maryville. Removing collision can make sense for older, paid-off vehicles once the out-of-pocket risk is clear to you. Storm-prone ZIP codes justify a second look at glass and hail deductibles.
Driving and insurance context in Maryville
About 28,464 people live in Maryville in Blount County, within Knoxville area. The resident count is roughly 28,464. Flood considerations near rivers and low spots add to the tornado and storm risk built into much of Tennessee pricing.
Stop-and-go patterns influence claims frequency more than people expect, and drivers around Maryville see plenty of it, on a mix of residential streets and connectors. The rates carriers file for surrounding ZIP codes, and the comprehensive claims behind them, reflect local weather, especially severe storms, low-spot flooding, and foggy river corridors. Similar vehicles do not guarantee similar premiums: prior claims, the exact garaging address, how the car is built, and a credit-based score where allowed each shift the price.
If you are new to Knoxville area, take a few minutes to confirm how you use the vehicle. Teen drivers, rideshare work, and highway-heavy commutes each change the rating story more than a small trim difference on the same model year. Describe your real driving in your quote request, and we can match carriers that price that profile competitively.
How long you have owned the car and its safety equipment affect discounts more than Maryville drivers often realize. Some carriers reward automatic emergency braking or anti-theft gear heavily while another barely does, and continuous coverage varies the same way. Rather than typing the same application into ten websites: let an independent agent translate those differences into a shortlist.
A practical tip: keep current declarations pages handy. Line up limits, deductibles, and listed drivers; nothing builds faster an apples-to-apples comparison for Maryville. A quote that looks far cheaper deserves a check: were liability limits lowered, did comprehensive disappear, or was a household driver omitted?
Ways to lower car insurance rates in Maryville
Good rate shopping is more than just the cheapest binder. The durable wins usually come from right-sizing liability limits first, then shopping collision deductibles, then re-checking the market every policy term.
- Re-shop several carriers at renewal. After storm seasons and loss trends, carrier appetite shifts. What was cheapest in Maryville last year may not lead today.
- Let the math decide on bundling. Check the combined home-and-auto price, not just the auto premium; a bundle saves only when the total comes out ahead. Begin your request at /get-a-quote/auto-quote, and note any renters or homeowners policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,124.83, far above adult buckets near $106. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Night driving and hard braking may cancel any discount, even though usage-based programs favor gentle acceleration and low overnight mileage.
- Stay continuously insured. Gaps, even short ones, often cost more than the months you skipped.
- Match garaging to reality. Before you bind, fix any mismatch if the car sleeps in Maryville but is insured elsewhere (or the reverse).
- Ask about paperless, autopay, paying in full, and professional affiliations. Combined, these credits can move a competitive quote, even though each is small alone.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. Bring those details for your Maryville quote review so underwriting does not have to guess.
Discounts worth asking about in Maryville
- Multi-policy credit — auto paired with home or renters.
- Multi-car — two or more vehicles with one carrier.
- Safe driver / claims-free — clean histories often earn better rates.
- Good student and driver training — valuable when teens are rated.
- Usage-based / telematics — opt-in programs that reward safer driving.
- Paid-in-full, autopay, and paperless — minor credits that add up.
- Safety and anti-theft features — varies by vehicle and carrier.
Discounts never replace shopping. On one Maryville driver, two carriers advertising similar discounts can still be fifty dollars apart.
About Maryville
About 28,464 people live in Maryville in Blount County, within Knoxville area.
Maryville lies within Knoxville area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Knoxville area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Flood considerations near rivers and low spots add to the tornado and storm risk built into much of Tennessee pricing.
Mixed driving records and multi-car households
In a multi-car Maryville household, think carefully about driver assignments. A frequent, avoidable price spike: putting the priciest driver on the priciest car. Not every company rates household drivers identically, which is why we model assignments carrier by carrier.
A recent ticket or minor accident in the household is not something to hide, since underwriting will find it; shop carriers that are more forgiving of that profile instead. Being stuck inside one company’s rules is what an independent agency gets you out of.
What tends to change quotes in Maryville
Reviewing an application from Maryville, carriers look well past the vehicle’s sticker price. Good credit on file can lose out to lapses in coverage, comprehensive weather losses, or past bodily injury claims. Conversely, a longer tenure with continuous insurance and a modest annual mileage estimate can soften the rate even when the car itself is relatively new.
Do you work remotely some days? Ask whether your mileage estimate should change. Plenty of Maryville households overpay for miles they stopped driving because the policy still assumes a prior job’s commute. The opposite is also true: if you added a longer Knoxville area commute, update the application before a claim creates a mismatch.
Freedom Insurance Group for Maryville drivers
AM Best ratings are never invented here, and we do not pretend every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Maryville and the wider Knoxville area area.
Call (800) 253-1482 or start a free auto quote online. Need homeowners coverage too? Begin on the home quote form, and we will compare bundling options without pressure.
Expect to cover drivers and vehicles, garaging ZIP, desired liability limits, and recent claims. This page’s illustrative averages turn into a shortlist of bindable options for your household only through that discovery step.
Commutes, cars, and storms in Maryville
Across about 12,207 households in Maryville, 26% own at least three vehicles and 39% have two. That makes multi-car discounts and careful driver assignment worth checking on most policies. Roughly 6.3% of households report no vehicle, a group that may want to ask about non-owner car insurance if they borrow or rent cars.
The NOAA Storm Events Database records 10 hail reports within about 6 miles of Maryville from 2016 through 2025. The biggest hail reported was 1 inch near Maryville in May 2025. That is big enough to dent panels and crack a windshield, which falls under comprehensive coverage. NOAA also logged 2 flash-flood reports nearby, the latest in August 2023; flood damage to a car is covered under comprehensive, not collision.
Maryville workers spend about 23 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. By commute mode, 79% drive alone, 7.3% carpool, and 11% work from home. With that many remote workers, the mileage estimate deserves a fresh look.
By 2020–2024 Census estimates, Maryville packs about 32,392 residents into roughly 18 square miles of land, a density of about 1,816 people per square mile. Knoxville, about 15 miles north, is the nearest Tennessee city above 100,000 people. Regular trips there add miles that belong in your annual estimate.
Maryville was settled in 1785 and incorporated in 1795. It takes its name from Mary Grainger Blount. Maryville’s population went from 23,120 at the 2000 Census to 27,465 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 32,373. That works out to about 40% more residents than in 2000. Federal tornado records from NOAA’s Storm Prediction Center list 5 tornadoes that began within 10 miles of Maryville from 1950 through 2015; the most powerful, rated F2, touched down on April 3, 1974.
Shopping around the area? Nearby pages: Eagleton Village (4 mi), Alcoa (5 mi), and Louisville (7 mi).
ZIP codes in and near Maryville that we insure
37802 · 37804 · 37803 · 37801
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Maryville, TN auto insurance quotes
Freedom Insurance Group compares 25+ carriers for Maryville residents. Call (800) 253-1482 or start a free auto quote online.
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