Smyrna drivers pay an average of $1,986/year — $215 more than the national average. With 612 crashes per year and a 2.4 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $450/year.
(888) 217-6781Estimated full coverage auto insurance rates for Smyrna, TN from top carriers. Rates are adjusted for Smyrna's 612 annual crashes, 2.4 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $755 | $126/mo |
| Tennessee Farmers | $820 | $137/mo |
| Progressive | $849 | $142/mo |
| State Farm | $926 | $154/mo |
| Allstate | $1,133 | $189/mo |
Estimates based on 2026 rate filings for ZIP 37110. GEICO is cheapest at ~$126/mo. Actual rates vary by driver profile and exact Smyrna location.
These Smyrna-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Smyrna, TN. Takes under 2 minutes.
(888) 217-6781With 53,070 residents, Smyrna is a growing community in Tennessee where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like severe thunderstorms, tornadoes, flooding, ice storms and commuter corridors still influence premiums. Smyrna drivers often find rates slightly below the Tennessee state average.
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 Smyrna can swing your premium by hundreds of dollars. Here's how rates compare across Smyrna neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 37113 | Smyrna South Side | $1,843/yr | $154/mo |
| 37130 | Smyrna West Side | $1,931/yr | $161/mo |
| 37113 | Smyrna North Side | $1,952/yr | $163/mo |
| 37114 | Smyrna East Side | $2,028/yr | $169/mo |
| 37110 | Smyrna Downtown/Central | $2,124/yr | $177/mo |
The cheapest ZIP is 37113 (Smyrna South Side) at $1,843/yr. The most expensive is 37110 (Smyrna Downtown/Central) at $2,124/yr — a $281/year difference for the same driver.
Your Smyrna ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Smyrna. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,171/yr | $348/mo | +110% vs avg |
| Young Adult (20-25) | $2,780/yr | $232/mo | +40% vs avg |
| Adult (26-35) | $1,986/yr | $166/mo | 0% vs avg |
| Mid-Career (36-50) | $1,748/yr | $146/mo | -12% vs avg |
| Senior (51-65) | $1,648/yr | $137/mo | -17% vs avg |
| 65+ | $1,768/yr | $147/mo | -11% vs avg |
Teens in Smyrna pay an average of $4,171/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,648/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.
Smyrna drivers can save up to $450/year. ZIP 37113 (Smyrna South Side) has the lowest rates starting at $1,843/yr.
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