Lenoir City drivers pay an average of $1,873/year — $102 more than the national average. With 110 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $337/year.
(888) 217-6781Estimated full coverage auto insurance rates for Lenoir City, TN from top carriers. Rates are adjusted for Lenoir City's 110 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $712 | $119/mo |
| Tennessee Farmers | $773 | $129/mo |
| Progressive | $801 | $134/mo |
| State Farm | $873 | $146/mo |
| Allstate | $1,068 | $178/mo |
Estimates based on 2026 rate filings for ZIP 37772. GEICO is cheapest at ~$119/mo. Actual rates vary by driver profile and exact Lenoir City location.
These Lenoir City-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Lenoir City, TN. Takes under 2 minutes.
(888) 217-6781Lenoir City is a smaller city in Tennessee with a population of 10,117. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as severe thunderstorms, tornadoes, flooding, ice storms, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Lenoir City.
For official Tennessee insurance regulations, visit the Tennessee Department of Commerce and Insurance. For driver licensing, see the Tennessee Driver Services.
Your specific ZIP code within Lenoir City can swing your premium by hundreds of dollars. Here's how rates compare across Lenoir City neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 37787 | Lenoir City South Side | $1,771/yr | $148/mo |
| 37774 | Lenoir City North Side | $1,799/yr | $150/mo |
| 37788 | Lenoir City West Side | $1,838/yr | $153/mo |
| 37774 | Lenoir City East Side | $1,945/yr | $162/mo |
| 37772 | Lenoir City Downtown/Central | $2,039/yr | $170/mo |
The cheapest ZIP is 37787 (Lenoir City South Side) at $1,771/yr. The most expensive is 37772 (Lenoir City Downtown/Central) at $2,039/yr — a $268/year difference for the same driver.
Your Lenoir City ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Lenoir City. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,933/yr | $328/mo | +110% vs avg |
| Young Adult (20-25) | $2,622/yr | $219/mo | +40% vs avg |
| Adult (26-35) | $1,873/yr | $156/mo | 0% vs avg |
| Mid-Career (36-50) | $1,648/yr | $137/mo | -12% vs avg |
| Senior (51-65) | $1,555/yr | $130/mo | -17% vs avg |
| 65+ | $1,667/yr | $139/mo | -11% vs avg |
Teens in Lenoir City pay an average of $3,933/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,555/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Tennessee cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Lenoir City drivers can save up to $337/year. ZIP 37787 (Lenoir City South Side) has the lowest rates starting at $1,771/yr.
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