Best Johnson City, Tennessee Auto Insurance in 2025
The average Johnson City, TN auto insurance rates are $265 per month. The minimum auto insurance in Johnson City is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Johnson City, Tennessee, compare quotes from multiple companies.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated September 2024
- The average commute length in Johnson City is 17.6 minutes
- Average auto insurance rates in Johnson City, TN for senior drivers are $1,684 per year
- The most expensive auto insurance company in Johnson City for teen drivers is Liberty Mutual
Johnson City, Tennessee auto insurance requirements are 25/50/15 according to Tennessee auto insurance laws. Finding cheap auto insurance in Johnson City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Johnson City, Tennessee, including driving record, credit, commute time, and more.
Compare auto insurance in Johnson City to other Tennessee cities, including Franklin auto insurance rates, Johnson City auto insurance rates, and Knoxville auto insurance rates to see how Johnson City, Tennessee auto insurance rates stack up.
Before you buy Johnson City, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Johnson City, Tennessee auto insurance quotes.
Minimum Auto Insurance in Johnson City, Tennessee
Johnson City, Tennessee auto insurance laws require that you have at least the Tennessee minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Johnson City, Tennessee.
| 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 |
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Cheap Johnson City, Tennessee Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Johnson City, Tennessee are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Johnson City, Tennessee Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Johnson City, Tennessee is a challenge. Take a look at the annual teen auto insurance rates in Johnson City, Tennessee.
| 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 |
Cheap Johnson City, Tennessee Auto Insurance for Seniors
What are senior auto insurance rates in Johnson City, Tennessee? Take a look at the annual average rates for older 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 |
Cheap Johnson City, Tennessee Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Johnson City, Tennessee compared to the annual auto insurance rates with a clean record in Johnson City, Tennessee.
| 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 |
Cheap Johnson City, Tennessee Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Johnson City, Tennessee is not easy. Compare the annual rates for DUI auto insurance in Johnson City, Tennessee to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Johnson City, Tennessee Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Johnson City, Tennessee annual auto insurance rates by credit history compare.
| 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 |
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Cheap Johnson City, Tennessee Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Johnson City, Tennessee can vary. Compare the annual cost of auto insurance by ZIP code in Johnson City, Tennessee to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 37604 | $3,242 |
| 37614 | $3,230 |
| 37615 | $3,258 |
Cheap Johnson City, Tennessee Auto Insurance Rates By Commute
Commute length and annual mileage affect Johnson City, Tennessee auto insurance. Find the cheapest annual Johnson City, Tennessee auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Johnson City, Tennessee Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Johnson City, Tennessee? Check out the comparison of annual Johnson City, Tennessee auto 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 |
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Best By Category: Cheapest Auto Insurance in Johnson City, Tennessee
Compare the cheapest auto insurance companies in Johnson City, Tennessee in each category to find the company with the best rates for your personal needs.
| 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 |
The Cheapest Johnson City, Tennessee Auto Insurance Companies
What auto insurance companies in Johnson City, Tennessee are the cheapest? Compare the top Johnson City, Tennessee auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Johnson City, Tennessee?
There are a lot of reasons why auto insurance rates in Johnson City, Tennessee are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Johnson City, Tennessee. Many local factors may affect your Johnson City auto insurance rates.
Johnson City Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Johnson City, Tennessee commute length is 17.6 minutes according to City-Data.
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Compare Johnson City, Tennessee Auto Insurance Quotes
Before you buy Johnson City, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Johnson City, Tennessee auto insurance quotes.
Frequently Asked Questions
What is auto insurance and why is it important in Johnson City, TN?
Auto insurance is a contract between a vehicle owner and an insurance company that provides financial protection in the event of accidents, theft, or other damages to the vehicle. In Johnson City, TN, auto insurance is important because it is generally required by law and helps ensure that drivers have the necessary coverage to handle potential liabilities and protect their vehicles.
What are the minimum auto insurance requirements in Johnson City, TN?
The minimum auto insurance requirements in Johnson City, TN, typically include liability coverage. As of my knowledge cutoff in September 2021, the minimum liability limits were set at 25/50/15, meaning $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident. However, it’s important to note that these requirements can change, so it’s recommended to check with the Tennessee Department of Commerce and Insurance or consult with an insurance agent for the most up-to-date information.
What factors can affect the cost of auto insurance in Johnson City, TN?
Several factors can impact the cost of auto insurance in Johnson City, TN. These include your driving record, age, gender, marital status, the type of vehicle you drive, your credit score, the coverage options you choose, and the deductibles you select. Additionally, factors such as the crime rate, frequency of accidents, and weather patterns in your area can also influence insurance premiums.
How can I find affordable auto insurance in Johnson City, TN?
To find affordable auto insurance in Johnson City, TN, it’s recommended to obtain quotes from multiple insurance providers and compare them. You can contact insurance companies directly or use online comparison tools to gather quotes. Additionally, consider factors like available discounts, bundling policies, raising deductibles, and maintaining a good driving record, as they can help lower premiums.
What types of coverage should I consider for my auto insurance in Johnson City, TN?
While the specific coverage needs may vary depending on your circumstances, it’s generally advisable to consider liability coverage (to meet the state’s minimum requirements) and additional coverage options such as collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. These additional coverages can provide extra protection for your vehicle and yourself in various situations.
Are there any discounts available for auto insurance in Johnson City, TN?
Yes, many insurance companies offer discounts that can help lower your auto insurance premiums in Johnson City, TN. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same provider), discounts for completing defensive driving courses, and discounts for having certain safety features installed in your vehicle. It’s advisable to inquire about available discounts when obtaining insurance quotes.
What should I do if I need to file an auto insurance claim in Johnson City, TN?
If you need to file an auto insurance claim in Johnson City, TN, you should contact your insurance provider as soon as possible. Provide them with all the necessary information regarding the incident, such as date, time, location, details of the accident, and any documentation or photographs you may have. Your insurance company will guide you through the claims process and inform you of the next steps.
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