Morristown Car Insurance

Your Complete Guide to Morristown, TN Car Insurance

Find the right car insurance policy for you.

You can be involved in a minor fender bender or a serious car crash at any time in Morristown, Tennessee. Car insurance offers the financial assistance you need when car accidents happen. Your Morristown auto insurance policy can help you pay to repair your car after an accident. And if you’re at fault, it can help you reimburse other drivers for any vehicle damage or injuries that you caused. An independent insurance agent can help you find the best policy for your needs. Independent agents can work with multiple insurance companies to get you customized quotes, so you can be sure you are getting the best coverage at the best price. 

Tennessee Car Insurance Requirements

Drivers in most states must purchase a minimum amount of auto liability coverage in order to protect themselves and other drivers from the financial consequences of car accidents. Each state has different requirements. In Tennessee, the minimum car insurance requirements are:  

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/15; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage

The minimum auto liability insurance required by the state of Tennessee might seem sufficient. But keep in mind that choosing to purchase only minimum coverage is probably not the best choice for most drivers. Minimum-coverage policies will cover you for minor accidents, but if you’re in a serious accident involving multiple cars and injuries, you're likely to have serious gaps in coverage. You’ll have to pay out-of-pocket for everything that your policy doesn’t cover. 

Purchasing higher liability insurance limits offers much better protection for the most serious accidents and any resulting lawsuits. And if you have a lot of assets to protect, you might want to consider a personal umbrella insurance policy. Umbrella insurance covers damages that exceed the limits of your auto insurance policy. An independent insurance agent can help you decide what coverage limits are best to protect your assets. 

How Much Does Car Insurance Cost in Morristown, TN?

Tennessee is the 24th most expensive state for car insurance. Car insurance rates in Morristown tend to be higher than both the state and national averages. If you want to save on car insurance in Morristown, be sure to shop around for the best rates. 

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Morristown average annual car insurance cost: $1,344

These are only estimates of what your Morristown car insurance might cost. Everyone’s rates are a little different because car insurance premiums are based on several factors that are unique to you. Your car insurance rates are influenced by individual characteristics that help insurance companies predict how risky you might be as a driver. These risk factors include the make, model, and year of your vehicle, whether you own or rent your home, and how far you drive to work or school every day. 

Insurance companies also charge different rates depending on your age, marital status, and gender. Most insurance companies offer numerous discounts to help you keep costs down. Bundling your home insurance or renters insurance with your auto insurance is one way to earn a discount from most insurance companies. An independent insurance agent in Morristown can help you obtain quotes from multiple insurance companies so you can compare coverage and rates. 

Number of Uninsured Motorists in Tennessee 

Car insurance is required for all drivers in Tennessee, but that doesn’t mean that everyone obeys the law. 

  • How many US drivers are uninsured? 12.6%
  • How many Tennessee drivers are uninsured? 20%

Uninsured motorist coverage is there for you if you are in an accident with an uninsured, underinsured, or hit-and-run driver. It pays for your vehicle damage and medical bills when you can’t collect from the at-fault driver. Uninsured motorist coverage is not required in Tennessee, even though the state has the 5th highest percentage of uninsured drivers in the US.

Number of Auto Thefts in Tennessee

The auto theft rate in Morristown is higher than both the state and national averages. This is probably why average auto insurance rates in Morristown tend to be higher than in some other cities. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Morristown auto theft rate per 1,000 vehicles: 3.23

With a higher risk of auto theft, it’s important for Morristown drivers to make safety a top priority. Always park in well-lit places and be sure to lock your car, even in your own driveway. Consider installing a car alarm, too. Car alarms are a great theft deterrent and may also help you qualify for a discount on your Morristown auto insurance policy. 

And remember, if you want coverage for your stolen vehicle, be sure to select comprehensive coverage or you will not be reimbursed for a stolen or vandalized car. While this coverage is optional, your lender may require you to have it until your car loan is paid off. And comprehensive insurance covers more than just theft. It also reimburses you for repairs if your car is damaged by falling objects, floods, structure fires, and more.  

Why Contact an Independent Insurance Agent?

Drivers in Morristown can work with a local independent insurance agent to find the right auto insurance. Independent agents can work with multiple insurance companies so you can compare quotes and choose the best policy for your needs and budget. 

Find an agent in or near Morristown to learn more. 

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