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Auto Insurance — Maryville, TN

Maryville drivers pay $95–$155/month for full coverage, running 8–12% below Knoxville metro rates due to lower collision frequency on Highway 321 corridors and reduced theft exposure in Blount County's suburban zones.

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Rates From Carriers Serving Maryville, Tennessee

Heavy traffic jam on mountain highway with cars backed up between forested slopes

What Affects Rates in Maryville

  • Blount County logged 66 mph non-thunderstorm gusts in January 2024 at Indian Grave Gap and a 67 mph gust at Cades Cove in March 2024. Winter storm events drop mixed precipitation, with 4.3 inches of snow recorded east of Maryville in February 2024. Comprehensive claims spike during high-wind and ice events.
  • Highway 321 carries daily commuter flow from Maryville to Lenoir City and tourist traffic to Cades Cove. Collision frequency is moderate but higher than rural Blount County routes. Liability and collision coverage rates reflect this corridor's mixed-use profile.
  • With 76% owner-occupancy and median home values at $247,600, Maryville's driver pool skews toward multi-policy bundlers. Homeowners with auto+property packages see 15–22% lower premiums than renters insuring vehicles only.
  • Blount County's suburban layout and single-family dominance reduce vehicle theft risk compared to Knoxville's downtown districts. Comprehensive premiums in Maryville run 10–15% below Knox County urban averages.

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Coverage Recommendations

Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.

Liability Coverage

Tennessee's 25/50/15 minimums are mandatory, but Highway 321 commuter traffic and tourist volume make 100/300/100 limits a practical upgrade in Maryville.

$40–$70/month

Estimated range only. Not a quote.

Collision Coverage

Highway 321 and Alcoa Highway merge zones see moderate rear-end and sideswipe claims; collision coverage is standard for financed vehicles along these corridors.

$35–$65/month

Estimated range only. Not a quote.

Comprehensive Coverage

Blount County's 66 mph wind gusts and winter storm ice events make comprehensive coverage essential for vehicles parked outdoors near the Smokies.

$20–$40/month

Estimated range only. Not a quote.

Uninsured Motorist

Tennessee's uninsured rate hovers near 20% statewide; UM coverage fills the gap when at-fault drivers can't pay claims in Blount County accidents.

$15–$30/month

Estimated range only. Not a quote.

Nearby Cities

KnoxvilleAlcoaSeviervilleLenoir City