Best Cheap Auto Insurance in Johnson City, TN (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 4, 2022

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Johnson City, Tennessee

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Johnson City, Tennessee

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.

Annual Johnson City, Tennessee Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Johnson City, Tennessee

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.

Annual Auto Insurance Rates by Credit Score in Johnson City, Tennessee

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.

Annual Auto Insurance Rates by ZIP Code in Johnson City, Tennessee

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.

Annual Auto Insurance Rates by Commute Length in Johnson City, Tennessee

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.

Annual Auto Insurance Rates by Coverage Level in Johnson City, Tennessee

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.

Best Annual Auto Insurance Rates by Company in Johnson City, Tennessee

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.

Average Annual Auto Insurance Rates by Company in Johnson City, Tennessee

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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