Complete Guide to Car Insurance Options in Johnson City, TN

Discover peace of mind on the road with A Plus Insurance, your trusted insurance brokerage in Johnson City. Call us today for a free quote and experience unparalleled coverage tailored to your needs.

Tennessee State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
Medical Payments: Rejection Form

Where Can I Find the Best SR22 Auto Insurance in Johnson City, TN?

The best SR22 auto insurance in Johnson City can be found by comparing quotes from local providers who specialize in high-risk coverage. SR22 insurance, required for certain driving offenses, is available from several insurers in the area. To lower rates, maintain a clean driving record post-offense and consider taking a defensive driving course. These steps can demonstrate responsibility to insurers, potentially reducing premiums.

Insurance CompanyEst/Avg. Monthly Insurance Rate
Dairyland$91
The General$94
Progressive Insurance$98
Mendota Ins. Company$104
National General$105
Geico$108
Acceptance RTR$109
AssuranceAmerica$111
21st Century$112
Allstate$113
GAINSCO$114
Bristol West$115
State Auto$116
Travelers$116

SR22 Insurance Process in Johnson City, TN

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Best Broad form or Non-Owner’s Car Insurance Quotes Johnson City, TN

In Johnson City, the best broadform or non-owner’s insurance is offered by companies that specialize in coverage for drivers who don’t own a vehicle. This type of insurance is essential for maintaining continuous coverage and is often more affordable. To reduce costs, opt for a policy with higher deductibles and ensure that you have a good driving history, as these factors can significantly influence rates.

Insurance CompanyEst/Avg. Monthly Insurance Rate
Dairyland$78
Progressive Insurance$112
The General$119
Mendota Ins. Company$148
Bristol West$156
Geico$179
Acceptance RTR$216
Allstate$225
State Farm$248

How to Get the Best Liability Only Car Insurance in Johnson City, TN?

For the best liability-only car insurance in Johnson City, TN, seek out providers that offer competitive rates for minimal coverage. Liability insurance is the most basic form, covering damages to others in an accident. To lower your premiums, consider bundling policies and driving a car with a good safety rating. These factors can make you more favorable in the eyes of insurers.

Insurance CompanyEst/Avg. Monthly Insurance Rate
Mendota Ins. Company$86
Acceptance RTR$93
Dairyland$95
National General$97
The General$106
AssuranceAmerica$107
Geico$108
USAA$110
Farmers$113
Nationwide$113
Progressive Insurance$114
Liberty Mutual$115
Bristol West$134
Allstate$142

What Are the Top Full Coverage Auto Insurance Options in Johnson City, TN?

Top full coverage auto insurance options in Johnson City include policies that offer comprehensive and collision coverage in addition to liability. These policies provide extensive protection. To minimize costs, choose a car with a high safety rating and consider installing anti-theft devices. These measures not only enhance safety but can also lead to discounts on your insurance premiums.

Insurance CompanyEst/Avg. Monthly Insurance Rate
National General$135
Farmers$146
Travelers$146
American Family$150
The General$153
Progressive Insurance$155
AssuranceAmerica$156
Geico$160
USAA$162
Acceptance RTR$164
GAINSCO$164
Allstate$165
Mendota Ins. Company$166
Bristol West$170

Where to Find Low-Cost Insurance for DUIs, Accidents, and Violations in Johnson City, TN?

For those with DUIs, accidents, or violations in Johnson City, finding low-cost insurance requires researching insurers offering second-chance programs. These programs often provide more affordable rates for high-risk drivers. Improving your driving record over time and attending safe driving courses can also help in reducing rates, demonstrating your commitment to safe driving.

Insurance CompanyEst/Avg. Monthly Insurance Rate
Acceptance RTR$155
GAINSCO$156
Mendota Ins. Company$156
AssuranceAmerica$161
Geico$162
Dairyland$164
The General$164
21st Century$170
Progressive Insurance$180
Bristol West$198
National General$199
Liberty Mutual$200
Nationwide$200
Safeco$204

How to Choose the Best Car Insurance for Bad or Poor Credit in Johnson City, TN?

Choosing the best car insurance for bad or poor credit in Johnson City involves looking for insurers that place less emphasis on credit scores. While options may be limited, some companies specialize in providing coverage for those with lower credit ratings. Improving your credit score over time and opting for higher deductibles can help reduce your premiums. Additionally, regularly reviewing and updating your policy can ensure you’re receiving the best rate for your situation.

Insurance CompanyEst/Avg. Monthly Insurance Rate
Dairyland$153
Nationwide$155
Mendota Ins. Company$156
AssuranceAmerica$157
Bristol West$158
Acceptance RTR$162
Geico$162
National General$180
21st Century$183
Progressive Insurance$185
USAA$185
GAINSCO$186
The General$187
Liberty Mutual$195

Which Companies Offer the Least Expensive Car Insurance for Good Credit in Johnson City, TN?

Companies offering the least expensive car insurance for those with good credit in Johnson City typically reward financial responsibility with lower premiums. Insurers like State Farm and Geico are known for considering credit scores in their pricing. To capitalize on your good credit, ensure you also maintain a clean driving record and consider bundling your car insurance with other policies for additional discounts.

Insurance CompanyEst/Avg. Monthly Insurance Rate
Geico$131
Dairyland$138
Bristol West$141
AssuranceAmerica$145
GAINSCO$146
The General$146
Nationwide$148
Acceptance RTR$151
21st Century$153
Mendota Ins. Company$154
USAA$159
Farmers$161
National General$161
Progressive Insurance$161

Most Affordable Car Insurance with Bundle/Homeowners Discount in Johnson City, TN?

The most affordable car insurance with bundle/homeowners discounts in Johnson City can be found through providers like Allstate and Progressive, which offer significant savings for combining auto and home insurance. Bundling policies not only simplifies your insurance management but also provides a substantial cost advantage. Regularly reviewing your bundled policies ensures you’re getting the best deal as your insurance needs evolve.

Insurance CompanyEst/Avg. Monthly Insurance Rate
Bristol West$129
Progressive Insurance$132
Nationwide$135
Dairyland$142
Acceptance RTR$150
AssuranceAmerica$150
The General$153
GAINSCO$154
Mendota Ins. Company$155
Geico$158
National General$158
21st Century$162
USAA$170
Farmers$171

What’s the Cheapest Insurance for Young Drivers in Johnson City, TN?

Finding the cheapest insurance for young drivers in Johnson City requires looking for companies that offer youth-oriented discounts. Providers such as Nationwide and USAA often have lower rates for students and young adults, especially those with good academic records. Young drivers can also lower their rates by enrolling in safe driving courses and opting for a vehicle with a strong safety record.

Each section is designed to be concise and informative, providing readers with clear guidance and actionable advice to find the best car insurance options in Johnson City, TN, tailored to their specific needs and circumstances.

Insurance CompanyEst/Avg. Monthly Insurance Rate
National General$138
Dairyland$139
Progressive Insurance$139
Bristol West$150
USAA$155
The General$160
21st Century$166
AssuranceAmerica$168
Mendota Ins. Company$169
Allstate$170
Farmers$170
GAINSCO$174
Acceptance RTR$177
Liberty Mutual$183

How to Get a Free Car Insurance Quote Johnson City, TN

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Why does my Johnson City zip code affect my car insurance rates?

In Johnson City, various local factors significantly influence auto insurance rates. Factors such as weather conditions, crime rates, and demographics play a crucial role in determining insurance premiums.

  1. Weather Conditions and Climate: Johnson City experiences a variety of weather conditions, including heavy rain and occasional snowfall. These weather patterns increase the risk of accidents due to slippery roads, leading to potentially higher insurance rates.
  2. Crime Rates: Areas in Johnson City with higher crime rates, particularly vehicle theft and vandalism, can see increased insurance premiums as insurers account for the increased risk.
  3. Population Density: Johnson City’s moderate population density can impact traffic congestion and the likelihood of accidents, which insurers consider when calculating rates.
  4. Demographics: The demographic composition, including the proportion of young drivers in Johnson City, can influence insurance costs. Younger, less experienced drivers typically face higher rates due to a higher risk of accidents.
  5. Road Conditions and Traffic Patterns: The condition of roads and prevalent traffic patterns in Johnson City also play a role. Poor road conditions and areas with frequent traffic congestion can lead to more accidents and, consequently, higher insurance premiums.
  6. Local Legislation and Insurance Requirements: Tennessee’s specific insurance laws and minimum coverage requirements directly affect the baseline cost of auto insurance in Johnson City.
  7. Economic Factors: The general economic environment in Johnson City, including average income levels and the cost of living, can influence the affordability and pricing of insurance policies in the area.

These factors combined create a unique insurance landscape in Johnson City, making it important for residents to consider local conditions when shopping for auto insurance.

ZIP CODES IN JOHNSTON CITY, TN

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Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

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Homeowners, renters, and mobile home owners: make sure you have the protection you need.

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Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Top models known for their lower insurance costs:

Certain cars are cheaper to insure due to factors like safety ratings, repair costs, theft rates, and overall risk. Vehicles with advanced safety features, good crash-test ratings, and lower repair expenses tend to have lower insurance premiums. Additionally, cars less prone to theft or with moderate engine power often come with cheaper insurance rates.

Honda CR-V
Subaru Outback
Ford Escape
Jeep Wrangler
Toyota RAV4
Chevrolet Equinox

WORST CARS known for their higher insurance costs

Certain cars command higher insurance premiums due to factors like high repair costs, increased theft rates, powerful engines, and elevated accident risks. These vehicles often include luxury cars, high-performance models, and some electric vehicles, contributing to pricier insurance rates.

Mercedes-Benz S-Class
BMW M4
Audi R8
Tesla Model S
Dodge Charger Hellcat
Ford Mustang Shelby GT500

Frequently Asked Questions about Car Insurance Quotes in Johnson City


What factors influence car insurance quotes in Johnson City?

Car insurance quotes are influenced by various factors such as driving history, coverage needs, and vehicle details. Our expert agents at A Plus Insurance can guide you through the specifics tailored to Johnson City.

How can I obtain a personalized car insurance quote?

Getting a personalized car insurance quote is easy with A Plus Insurance. Simply call us at 1.888.445.2793 to speak with our dedicated agents who will assist you in tailoring a quote to your specific needs.

What sets A Plus Insurance apart as a reliable brokerage?

A Plus Insurance stands out with a commitment to personalized service, comprehensive coverage options, and a team of experienced agents dedicated to finding the best car insurance solutions for clients in Johnson City.

Here’s What Our Clients Say About Us​

Last Updated on by Veronica Moss

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