Morristown drivers pay an average of $1,940/year — $169 more than the national average. With 399 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $404/year.
(888) 217-6781Estimated full coverage auto insurance rates for Morristown, TN from top carriers. Rates are adjusted for Morristown's 399 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $738 | $123/mo |
| Tennessee Farmers | $801 | $133/mo |
| Progressive | $830 | $138/mo |
| State Farm | $905 | $151/mo |
| Allstate | $1,106 | $184/mo |
Estimates based on 2026 rate filings for ZIP 37814. GEICO is cheapest at ~$123/mo. Actual rates vary by driver profile and exact Morristown location.
These Morristown-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Morristown, TN. Takes under 2 minutes.
(888) 217-6781Morristown is a smaller city in Tennessee with a population of 30,431. 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 Morristown.
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 Morristown can swing your premium by hundreds of dollars. Here's how rates compare across Morristown neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 37829 | Morristown South Side | $1,804/yr | $150/mo |
| 37816 | Morristown North Side | $1,892/yr | $158/mo |
| 37830 | Morristown West Side | $1,939/yr | $162/mo |
| 37816 | Morristown East Side | $1,960/yr | $163/mo |
| 37814 | Morristown Downtown/Central | $2,070/yr | $173/mo |
The cheapest ZIP is 37829 (Morristown South Side) at $1,804/yr. The most expensive is 37814 (Morristown Downtown/Central) at $2,070/yr — a $266/year difference for the same driver.
Your Morristown ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Morristown. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,074/yr | $340/mo | +110% vs avg |
| Young Adult (20-25) | $2,716/yr | $226/mo | +40% vs avg |
| Adult (26-35) | $1,940/yr | $162/mo | 0% vs avg |
| Mid-Career (36-50) | $1,707/yr | $142/mo | -12% vs avg |
| Senior (51-65) | $1,610/yr | $134/mo | -17% vs avg |
| 65+ | $1,727/yr | $144/mo | -11% vs avg |
Teens in Morristown pay an average of $4,074/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,610/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.
Morristown drivers can save up to $404/year. ZIP 37829 (Morristown South Side) has the lowest rates starting at $1,804/yr.
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