Sevierville Tennessee Car Insurance

Sevierville Car Insurance

Your Complete Guide to Sevierville, TN Car Insurance

Sevierville is a historic town in eastern Tennessee with about 16,000 residents. 

Whether you are driving to town on the busy Interstate or enjoying the rural back roads, a car crash can happen at any time. When vehicle damage and injuries are involved, the financial burden of a car accident can be immense—especially for the at-fault driver.

Car insurance can help you recover financially and get back out on the road with confidence. 

Independent insurance agents make shopping for the right car insurance policy easy. Independent agents can work with multiple insurance companies, so you can compare quotes and make sure you are getting the high-quality, best-value coverage you desire. 

Tennessee Car Insurance Requirements

All vehicle owners in Tennessee are required to have a minimum amount of auto insurance that includes the following types of coverage:

  • 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

In most cases it’s important to buy more than the minimum auto liability coverage limits required by the state. The minimum coverage may be sufficient to cover damage from minor accidents. But if you cause a serious accident, the minimum coverage probably won't be enough and you could be left with extensive bills to pay. 

Some drivers like to go even further and purchase a personal umbrella policy. Umbrella insurance offers excess liability protection that covers you when the limit of your auto insurance policy or home insurance policy has been exceeded for a single covered claim. 

Talk to a local independent insurance agent about how to best protect your assets with the right amount of liability coverage. 

How Much Does Car Insurance Cost in Sevierville, TN?

Tennessee has the 24th highest average car insurance rates in the US. Average car insurance rates in Sevierville are higher than both the state and national averages. 

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Sevierville average annual car insurance cost: $1,468

Remember, everyone’s car insurance rates are a little different, so your cost may be higher or lower than other Sevierville residents. Your individual rates are determined by how much risk exposure you have as a driver. 

If you have a high-risk car like a sports car or you live in a neighborhood with a high crime rate, you can expect to pay more than others for the same coverage. 

Your age, gender, and marital status can also be risk factors. They are predictors of how likely you are to cause a crash or file a claim. Younger drivers tend to pay more for insurance than older drivers, and males tend to pay more than females. Married drivers typically enjoy lower car insurance rates than non-married people. 

The coverage limits and deductibles that you choose also play a role in how much you will pay for your Sevierville auto insurance policy. Higher coverage limits will cost more, but you can save by choosing higher deductibles. 

Contact a local independent insurance agent to obtain and compare customized quotes from multiple, highly rated insurance companies. You can choose the policy that offers the best coverage for your needs and budget. 

Number of Uninsured Motorists in Tennessee

Tennessee has a very high percentage of uninsured drivers, even though auto insurance is required by law for every driver. Uninsured motorist coverage is essential for Tennessee vehicle owners because it protects responsible drivers from those who fail to purchase insurance.

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

If you are in an accident that is caused by an uninsured driver, it may be difficult or impossible to collect what the other driver owes you for car repairs and medical bills. Uninsured motorist insurance was created to ensure that you can receive compensation in these cases. 

Uninsured motorist coverage is not required in Tennessee.

Number of Auto Thefts in Tennessee

Sevierville has a fairly high auto theft rate compared to the state and national averages. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Sevierville auto theft rate per 1,000 vehicles: 4.28

If your car is stolen or vandalized at home or anywhere, you need comprehensive coverage to reimburse you for your lost or damaged car. 

While it is optional, comprehensive coverage is valuable for other reasons, too. It helps you pay if you sustain vehicle damage in a variety of “other than collision” situations. This means that if a flood, a falling tree, or a structure fire damages your car, your comprehensive coverage will help you pay to repair or replace it. 

A local independent insurance agent can help you review the cost to include this coverage in your policy.

Why Contact an Independent Insurance Agent?

Ask an independent insurance agent for help finding the best auto insurance in Sevierville. Independent agents can obtain quotes from multiple insurance companies, so you can choose a policy that best meets your coverage and budgetary needs. 

Contact an agent near you to start comparing customized car insurance quotes. 

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