Best Johnson City, TN Car Insurance in 2024
Car insurance in Johnson City, TN averages $265 a month. Johnson City, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Johnson City car insurance rates, compare quotes from the top car insurance companies in Johnson City, TN.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Johnson City is State Farm
- The cheapest ZIP code in Johnson City is 37614
- The cheapest car insurance company in Johnson City for teen drivers is State Farm
If you need to buy Johnson City, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Johnson City, TN is right here.
You’ll find Johnson City car insurance rates, the cheapest Johnson City, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Johnson City, Tennessee car insurance rates to Memphis car insurance rates, Franklin car insurance rates, and Hendersonville car insurance rates.
Ready to find affordable Johnson City, TN car insurance today? Enter your ZIP code for fast, free Johnson City car insurance quotes.
Cheapest Johnson City, TN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Johnson City, TN car insurance rates? Every Johnson City, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,412 | $2,314 | $2,177 | $2,258 | $9,072 | $9,879 | $2,562 | $2,647 |
| Farmers | $1,582 | $1,610 | $1,419 | $1,562 | $6,552 | $6,951 | $2,139 | $2,266 |
| Geico | $1,844 | $1,854 | $1,691 | $1,691 | $5,857 | $5,936 | $1,889 | $1,951 |
| Liberty Mutual | $3,068 | $129 | $2,530 | $2,824 | $12,705 | $14,108 | $3,283 | $3,486 |
| Nationwide | $1,958 | $1,971 | $1,762 | $1,786 | $5,364 | $6,886 | $2,247 | $2,428 |
| Progressive | $1,541 | $1,448 | $1,259 | $1,315 | $7,043 | $7,913 | $1,857 | $2,024 |
| State Farm | $1,414 | $1,414 | $1,283 | $1,283 | $4,414 | $5,513 | $1,600 | $1,861 |
| Travelers | $1,547 | $1,625 | $1,424 | $1,512 | $4,431 | $5,521 | $1,641 | $1,724 |
| USAA | $1,405 | $1,428 | $1,269 | $1,268 | $4,978 | $5,714 | $1,829 | $1,948 |
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Minimum Car Insurance in Johnson City, TN
Every driver must carry the minimum car insurance in Johnson City, TN. Take a look at the Tennessee car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
Cheapest Johnson City, TN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Johnson City, TN. Compare credit history car insurance rates in Johnson City from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,303 | $4,073 | $3,119 |
| Farmers | $3,580 | $2,801 | $2,649 |
| Geico | $3,216 | $2,761 | $2,541 |
| Liberty Mutual | $7,528 | $4,639 | $3,632 |
| Nationwide | $3,653 | $2,912 | $2,586 |
| Progressive | $3,422 | $2,960 | $2,768 |
| State Farm | $3,407 | $2,046 | $1,590 |
| Travelers | $3,072 | $2,435 | $1,776 |
| USAA | $3,592 | $2,107 | $1,739 |
Cheapest Johnson City, TN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Johnson City, TN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,486 | $4,154 | $5,029 | $3,991 |
| Farmers | $2,567 | $3,188 | $3,263 | $3,022 |
| Geico | $2,081 | $2,767 | $4,428 | $2,081 |
| Liberty Mutual | $4,270 | $6,161 | $5,725 | $4,910 |
| Nationwide | $2,648 | $2,648 | $3,945 | $2,960 |
| Progressive | $2,688 | $3,491 | $2,861 | $3,160 |
| State Farm | $2,134 | $2,561 | $2,347 | $2,347 |
| Travelers | $1,971 | $2,531 | $2,793 | $2,418 |
| USAA | $1,806 | $2,701 | $3,173 | $2,239 |
Cheapest Johnson City, TN Car Insurance for Teen Drivers
Teen car insurance in Johnson City, TN can be expensive. Take a look at rates from the top car insurance companies in Johnson City for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,072 | $9,879 |
| Farmers | $6,552 | $6,951 |
| Geico | $5,857 | $5,936 |
| Liberty Mutual | $12,705 | $14,108 |
| Nationwide | $5,364 | $6,886 |
| Progressive | $7,043 | $7,913 |
| State Farm | $4,414 | $5,513 |
| Travelers | $4,431 | $5,521 |
| USAA | $4,978 | $5,714 |
Cheapest Johnson City, TN Car Insurance for Seniors
Take a look at Johnson City, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,177 | $2,258 |
| Farmers | $1,419 | $1,562 |
| Geico | $1,691 | $1,691 |
| Liberty Mutual | $2,530 | $2,824 |
| Nationwide | $1,762 | $1,786 |
| Progressive | $1,259 | $1,315 |
| State Farm | $1,283 | $1,283 |
| Travelers | $1,424 | $1,512 |
| USAA | $1,269 | $1,268 |
Cheapest Johnson City, TN Car Insurance Rates After a DUI
A DUI in Johnson City, TN increases car insurance rates. Compare Johnson City, Tennessee DUI car insurance by company to find the cheapest option.
Read more: What are the DUI insurance laws in Tennessee?
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,029 |
| Farmers | $3,263 |
| Geico | $4,428 |
| Liberty Mutual | $5,725 |
| Nationwide | $3,945 |
| Progressive | $2,861 |
| State Farm | $2,347 |
| Travelers | $2,793 |
| USAA | $3,173 |
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Cheapest Johnson City, TN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Johnson City, TN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,165 | $4,165 |
| Farmers | $3,010 | $3,010 |
| Geico | $2,818 | $2,861 |
| Liberty Mutual | $5,267 | $5,267 |
| Nationwide | $3,050 | $3,050 |
| Progressive | $3,050 | $3,050 |
| State Farm | $2,291 | $2,404 |
| Travelers | $2,333 | $2,523 |
| USAA | $2,411 | $2,549 |
Cheapest Johnson City, TN Car Insurance Rates by ZIP Code
Johnson City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Johnson City, TN.
| ZIP Code | Average Annual Rates |
|---|---|
| 37604 | $3,242 |
| 37614 | $3,230 |
| 37615 | $3,258 |
The Best Cheap Car Insurance Companies in Johnson City, TN
Take a look at a side-by-side comparison of the top car insurance companies in Johnson City, TN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,165 |
| Farmers | $3,010 |
| Geico | $2,839 |
| Liberty Mutual | $5,267 |
| Nationwide | $3,050 |
| Progressive | $3,050 |
| State Farm | $2,347 |
| Travelers | $2,428 |
| USAA | $2,480 |
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Category Winners: Cheapest Car Insurance in Johnson City, Tennessee
Find the cheapest car insurance companies in Johnson City, TN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Travelers |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Johnson City, TN Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Johnson City car insurance rates. Find the cheapest Johnson City, TN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,018 | $4,155 | $4,322 |
| Farmers | $2,834 | $2,994 | $3,202 |
| Geico | $2,694 | $2,834 | $2,989 |
| Liberty Mutual | $5,037 | $5,267 | $5,496 |
| Nationwide | $3,065 | $2,986 | $3,100 |
| Progressive | $2,854 | $3,054 | $3,242 |
| State Farm | $2,205 | $2,359 | $2,479 |
| Travelers | $2,279 | $2,426 | $2,579 |
| USAA | $2,403 | $2,472 | $2,565 |
What affects car insurance rates in Johnson City, Tennessee?
What factors can have an impact on Johnson City, TN car insurance? There are several reasons why Johnson City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Johnson City, Tennessee.
Commute Time in Johnson City
The more time you spend in your car the higher the risk of an accident. The average commute length in Johnson City, TN is 17.6 minutes according to City-Data.
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Compare Car Insurance Quotes in Johnson City, TN
Ready to find affordable Johnson City, Tennessee car insurance today? Enter your ZIP code for fast, free Johnson City, TN car insurance quotes.
Frequently Asked Questions
How much does car insurance cost in Johnson City, TN?
The cost of car insurance in Johnson City, TN can vary depending on several factors. These include your age, driving history, the type of vehicle you drive, the coverage options you choose, and the insurance company you select. To get an accurate estimate, it’s recommended to obtain quotes from multiple insurance providers and compare the coverage and rates they offer.
What are the common coverage options for car insurance in Johnson City, TN?
Common coverage options for car insurance in Johnson City, TN include:
- Liability Coverage: This coverage is typically required by law and includes bodily injury liability and property damage liability. It helps cover costs if you cause an accident that results in injuries to others or damage to their property.
- Collision Coverage: This coverage helps pay for repairs or replacement of your vehicle if it is damaged in a collision, regardless of fault.
- Comprehensive Coverage: This coverage protects against non-collision-related damages such as theft, vandalism, fire, or severe weather.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.
What factors can affect the cost of car insurance in Johnson City, TN?
Several factors can influence the cost of car insurance in Johnson City, TN, including:
- Age and Driving Experience: Younger drivers generally have higher insurance rates, while older, more experienced drivers may receive lower rates.
- Driving Record: A clean driving record with no accidents or traffic violations can lead to lower insurance premiums.
- Vehicle Type: The make, model, and year of your vehicle can affect your insurance rates. Factors such as the vehicle’s safety features and repair costs are taken into consideration.
- Coverage and Deductibles: The level of coverage you choose and the deductibles you select can impact your premiums. Higher coverage limits and lower deductibles often result in higher premiums.
- Location: The area you live in, including Johnson City, TN, can influence your insurance rates. Factors such as crime rates, traffic congestion, and the number of accidents in the area are considered.
Are there any discounts available for car insurance in Johnson City, TN?
Yes, insurance providers often offer discounts that can help lower the cost of car insurance in Johnson City, TN. Common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record without accidents or traffic violations can make you eligible for lower premiums.
- Safety Feature Discount: Equipping your vehicle with safety features, such as anti-lock brakes, airbags, and anti-theft systems, can result in lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Defensive Driving Course Discount: Completing a defensive driving course can often lead to a discount on your insurance premiums.
How can I find affordable car insurance in Johnson City, TN?
To find affordable car insurance in Johnson City, TN, consider the following:
- Compare Quotes: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, be sure you can afford to pay the deductible in case of a claim.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations to maintain a clean driving record, which can help lower your insurance premiums.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any, such as multi-policy, good driver, or safety feature discounts.
- Review Coverage Needs: Assess your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help reduce costs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.