Oak Ridge drivers pay an average of $1,938/year — $167 more than the national average. With 361 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $402/year.
(888) 217-6781Estimated full coverage auto insurance rates for Oak Ridge, TN from top carriers. Rates are adjusted for Oak Ridge's 361 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $737 | $123/mo |
| Tennessee Farmers | $800 | $133/mo |
| Progressive | $829 | $138/mo |
| State Farm | $904 | $151/mo |
| Allstate | $1,105 | $184/mo |
Estimates based on 2026 rate filings for ZIP 37830. GEICO is cheapest at ~$123/mo. Actual rates vary by driver profile and exact Oak Ridge location.
These Oak Ridge-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Oak Ridge, TN. Takes under 2 minutes.
(888) 217-6781Oak Ridge is a smaller city in Tennessee with a population of 31,402. 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 Oak Ridge.
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 Oak Ridge can swing your premium by hundreds of dollars. Here's how rates compare across Oak Ridge neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 37836 | Oak Ridge South Side | $1,857/yr | $155/mo |
| 37834 | Oak Ridge North Side | $1,886/yr | $157/mo |
| 37834 | Oak Ridge West Side | $1,887/yr | $157/mo |
| 37836 | Oak Ridge East Side | $1,986/yr | $166/mo |
| 37830 | Oak Ridge Downtown/Central | $2,106/yr | $176/mo |
The cheapest ZIP is 37836 (Oak Ridge South Side) at $1,857/yr. The most expensive is 37830 (Oak Ridge Downtown/Central) at $2,106/yr — a $249/year difference for the same driver.
Your Oak Ridge ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Oak Ridge. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,070/yr | $339/mo | +110% vs avg |
| Young Adult (20-25) | $2,713/yr | $226/mo | +40% vs avg |
| Adult (26-35) | $1,938/yr | $162/mo | 0% vs avg |
| Mid-Career (36-50) | $1,705/yr | $142/mo | -12% vs avg |
| Senior (51-65) | $1,609/yr | $134/mo | -17% vs avg |
| 65+ | $1,725/yr | $144/mo | -11% vs avg |
Teens in Oak Ridge pay an average of $4,070/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,609/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.
Oak Ridge drivers can save up to $402/year. ZIP 37836 (Oak Ridge South Side) has the lowest rates starting at $1,857/yr.
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