Morristown households can compare auto coverage without the runaround through Freedom Insurance Group. Request a quote online or call (800) 253-1482.
Average Morristown, Tennessee car insurance rates
Figures on this page are illustrative estimates and averages for comparison only, not a guaranteed price. Drivers, vehicles, and ZIP code, together with coverage limits and deductibles, credit where allowed, and claims history, determine what you pay.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Morristown, Tennessee | $148.15 |
Lowest-priced car insurance companies in Morristown, TN
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $124.36 |
| 2 | Root | $126.21 |
| 3 | Safeco | $128.69 |
| 4 | Progressive | $131.74 |
| 5 | Allstate | $150.41 |
| 6 | National General 360 | $151.76 |
| 7 | Travelers | $157.13 |
| 8 | Lumen Select | $164.37 |
| 9 | GAINSCO | $175.03 |
| 10 | Bristol West | $175.21 |
Car Insurance Rates by Driver’s Age Group in Morristown
Check Out Other Rates in Morristown, TN Nearby Cities:
Car coverage guides for Morristown drivers
Minimum liability satisfies the legal minimum in Tennessee, but it rarely covers the cost of a serious injury claim or a newer financed vehicle. The outline below works as a checklist while you compare quotes for Morristown.
- Liability for bodily injury & property damage: When you cause a crash, this pays the other party. Consider higher limits if you have home equity, savings, or a long commute through heavier traffic.
- Collision: Pays to repair your vehicle after a crash with another car or object, subject to your deductible.
- Comprehensive: Helps after theft, hail, glass breakage, animal strikes, and many non-crash losses, especially relevant where severe weather is common.
- Uninsured and underinsured motorist: When the driver who hits you has too little insurance or none, this coverage pays for your losses. Check how UM/UIM works in your state before you decline it.
- Medical payments (or PIP): Whether you can buy it and how it stacks varies by state, but the purpose is the same: paying medical bills for you and your passengers after a crash.
- Rental coverage: After a covered claim, while your car is being repaired, this helps cover a rental car.
- Roadside assistance: Tows, jump starts, and lockout service, sometimes cheaper on the auto policy than a separate club membership.
- Coordinating higher limits with an umbrella: With an umbrella policy, Make sure the auto limits satisfy the carrier’s underlying requirements.
When a Morristown car is leased or financed, collision and comprehensive are almost always required. On an older car with no loan, we can model dropping collision, as long as the out-of-pocket risk is clear. Hail and glass deductibles deserve a second look in storm-prone ZIP codes.
Driving and insurance context in Morristown
Morristown has about 29,478 residents, located in Hamblen County. Residents number about 29,478. Tennessee pricing often reflects tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Each trip pattern tells carriers something different about short school runs, longer metro commutes, and weekend highway miles around Morristown. The rates carriers file for surrounding ZIP codes, and the comprehensive claims behind them, track local weather, above all severe storms, flooding in low spots, and river fog. Construction of the car, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote, so two Morristown neighbors driving similar cars may still see different prices.
Just arrived in the Hamblen County area? Spend a few minutes confirming how the vehicle is used. Highway-heavy commuting, rideshare activity, and teen drivers each shift the price more than a small trim difference on the same model year. Tell us how the car is actually driven as you request a quote, and we can match carriers that price that profile aggressively.
Often underestimated in Morristown: how safety features and ownership length interact with discounts. A carrier might credit automatic emergency braking or anti-theft gear heavily while another barely does, and the same goes for continuous coverage. Differences like these become a shortlist in an independent agent’s hands, sparing you ten websites and the same application each time.
Have your current declarations pages ready; it is a practical detail that matters. Line up the limits, deductibles, and drivers listed; nothing builds faster an apples-to-apples comparison for Morristown. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Ways to lower car insurance rates in Morristown
Shopping well is more than just the cheapest binder. Right-size liability limits first, compare collision deductibles second, and re-shop each policy term; that is where durable wins come from.
- Compare several carriers every renewal. Carrier appetite changes after storm seasons and loss trends. What was cheapest in Morristown last year may not lead today.
- Bundle when the numbers add up. Pairing home and auto can save, but compare the combined cost, not just the auto line in isolation. Start the process at /get-a-quote/auto-quote, noting any renters or homeowners policy you carry now.
- 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 $1,030.83, far above adult buckets near $94. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Weigh telematics carefully. Late-night trips and hard braking may cancel any discount, even though usage-based programs can reward gentle acceleration and low overnight mileage.
- Keep continuous coverage. The premium saved during a gap, even a short one, is usually smaller than what the gap costs later.
- Match garaging to reality. Before binding, fix any mismatch if the car is kept in Morristown but insured at another address (or the reverse).
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Individually they are small; combined they can move a quote.
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. Have those details ready to your Morristown quote review so underwriting does not have to guess.
Discounts worth asking about in Morristown
- Multi-policy — auto with home or renters.
- Multi-car — two or more vehicles with one carrier.
- Safe driver / claims-free — clean records often price better.
- Driver training & good student — worth asking about when teens are on the policy.
- Usage-based / telematics — optional programs that reward safer habits.
- Paid-in-full, autopay, and paperless — small credits that still stack.
- Anti-theft & safety equipment — depending on the vehicle and carrier.
Discounts are not a substitute for shopping. Similar advertised credits do not stop two carriers from landing fifty dollars apart for one Morristown driver.
Getting to know Morristown
Morristown has about 29,478 residents, located in Hamblen County.
Morristown is part of the Hamblen County area, and there day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Roof age, construction type, and replacement cost still drive most block-by-block premium differences in a single-family housing mix typical of the Hamblen County area.
Tennessee pricing often reflects tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Deductibles and limits for local weather
A Morristown comprehensive deductible deserves real thought: severe storms, flooding in low spots, and foggy river corridors appear in regional loss data. No garage? A lower glass deductible may be worthwhile. If you have savings and the car is paid off, a higher comprehensive deductible can trim premium.
Liability limits should reflect assets and risk tolerance, not only the state minimum. A serious at-fault accident on a busy corridor near Morristown can exceed minimum limits quickly. We will walk through scenarios so you are not buying numbers you do not understand.
Several cars or mixed driving records at home
When a Morristown household has multiple cars, think carefully about driver assignments. Putting the highest-rated driver on the most expensive car is a common self-inflicted premium spike. Carriers differ in how they rate household drivers, which is why we model assignments carrier by carrier.
A household member’s recent ticket or minor accident is not something to hide, since underwriting will find it; instead, shop markets that are more forgiving for that profile. This is why independent agencies exist: no single company’s rules box you in.
How Freedom Insurance Group helps Morristown drivers
We do not invent AM Best ratings or pretend every carrier is appointed in every niche. Plain-language tradeoffs, shopping across the markets we can access, and limits matched to how you drive in Morristown and the wider Hamblen County area: that is what we do.
Give us a call at (800) 253-1482, or simply start a free auto quote here online. We can compare bundle options with no pressure if you also need homeowners coverage; begin on the home quote form.
The drivers and the vehicles, where the car is garaged, your desired liability limits, and any recent claims are what we will discuss. That conversation is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
What the data says about driving in Morristown
Across about 12,282 households in Morristown, 21% own at least three vehicles and 38% have exactly two. That makes multi-car discounts and careful driver assignment worth checking on most policies. Roughly 7.5% of households have no vehicle at all, a group that may want to ask about non-owner car insurance if they borrow or rent cars.
Census survey figures show about 31,527 residents in Morristown on 28 square miles of land, roughly 1,123 people per square mile. The closest Tennessee city with more than 100,000 residents is Knoxville, about 40 miles to the southwest. Frequent drives to Knoxville should be counted in your mileage.
NOAA’s Storm Events Database lists 1 hail report within about 6 miles of Morristown from 2016 through 2025. The biggest hail reported was 1 inch near Morristown in May 2024. Hail that size can dent body panels and crack windshields, and those claims go through comprehensive. There were also 7 flash-flood reports nearby, the latest in July 2023; a flooded car is a comprehensive claim, not collision.
Census Bureau estimates (ACS 2020–2024) put the average one-way commute from Morristown at about 21 minutes. Roughly 43% of commuters reach work within a quarter hour, so low-mileage credits may be worth asking about. Of all workers, 84% drive alone and 8.3% carpool.
Local history records show Morristown was incorporated in 1855. The town is named for Gideon Morris. Morristown’s population went from 24,965 at the 2000 Census to 29,137 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 32,994. That works out to about 32% more residents than in 2000. NOAA Storm Prediction Center records list 3 tornadoes that began within 10 miles of Morristown from 1950 through 2015; the most powerful, rated F1, touched down on November 27, 1985.
Shopping around the area? Nearby pages: White Pine (7 mi), Bean Station (9 mi), and Mooresburg (11 mi).
Morristown-area ZIP codes we insure
37815 · 37816 · 37814 · 37813
Other Tennessee coverage pages
Morristown, TN auto insurance quotes
Morristown residents get a comparison of 25+ carriers from Freedom Insurance Group. Give us a call at (800) 253-1482, or simply start a free auto quote here online.
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