Compare Johnson City, TN Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car 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

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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.

Minimum Required Car 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

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.

Annual Car 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

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.

Annual Johnson City, Tennessee Car 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

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.

Annual Car 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

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.

Annual Car 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

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.

Annual Car Insurance Rates After a DUI in Johnson City, 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.

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

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.

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

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.

Average Annual Car 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

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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.

Best Annual Car 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

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.

Annual Car 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

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.

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