Martin drivers pay an average of $1,719/year — $52 less than the national average. With 118 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $183/year.
(888) 217-6781Estimated full coverage auto insurance rates for Martin, TN from top carriers. Rates are adjusted for Martin's 118 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $654 | $109/mo |
| Tennessee Farmers | $710 | $118/mo |
| Progressive | $735 | $123/mo |
| State Farm | $802 | $134/mo |
| Allstate | $980 | $163/mo |
Estimates based on 2026 rate filings for ZIP 38237. GEICO is cheapest at ~$109/mo. Actual rates vary by driver profile and exact Martin location.
These Martin-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Martin, TN. Takes under 2 minutes.
(888) 217-6781Martin is a smaller city in Tennessee with a population of 10,825. 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 Martin.
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 Martin can swing your premium by hundreds of dollars. Here's how rates compare across Martin neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 38246 | Martin South Side | $1,582/yr | $132/mo |
| 38242 | Martin North Side | $1,660/yr | $138/mo |
| 38245 | Martin West Side | $1,685/yr | $140/mo |
| 38245 | Martin East Side | $1,772/yr | $148/mo |
| 38237 | Martin Downtown/Central | $1,852/yr | $154/mo |
The cheapest ZIP is 38246 (Martin South Side) at $1,582/yr. The most expensive is 38237 (Martin Downtown/Central) at $1,852/yr — a $270/year difference for the same driver.
Your Martin ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Martin. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,610/yr | $301/mo | +110% vs avg |
| Young Adult (20-25) | $2,407/yr | $201/mo | +40% vs avg |
| Adult (26-35) | $1,719/yr | $143/mo | 0% vs avg |
| Mid-Career (36-50) | $1,513/yr | $126/mo | -12% vs avg |
| Senior (51-65) | $1,427/yr | $119/mo | -17% vs avg |
| 65+ | $1,530/yr | $128/mo | -11% vs avg |
Teens in Martin pay an average of $3,610/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,427/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.
Martin drivers can save up to $183/year. ZIP 38246 (Martin South Side) has the lowest rates starting at $1,582/yr.
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