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

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Car Insurance in Johnson City, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Johnson City, TN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$32
$103
$135
$145
State FarmNationwideThe GeneralDirect Auto
Monthly $

Cheapest Car Insurance in Johnson City, TN

Here are the cheapest carriers in Johnson City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$124
$159
$112
$125
$120
$104
TennesseeMemphisKnoxvilleChattanoogaClarksvilleJohnson City
Monthly $

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Johnson City, TN Driving Facts

tennessee

Minimum Car Insurance Requirements in TN

All motor vehicles operated or parked on Tennessee roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

 

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverge required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Insurify Insights: How Johnson City Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Johnson City, TN
suspended licenses
#28
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Johnson City drivers measure up to their fellow Tennessee motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Johnson City

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Johnson City drivers rank 28 in the number of car accidents per driver across all cities in Tennessee.

  • Rank within state: #28
  • Percent of drivers in Johnson City with an accident: 9.92%
  • Drivers in Johnson City, TN with an accident in their driving history paid on average 36% more than drivers with a clean record

Speeding Johnson City

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Johnson City drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Johnson City with a speeding ticket: 13.28%
  • Drivers in Johnson City, TN with a speeding ticket in their driving history paid on average 52% more than drivers with a clean record

DUI/DWIs Johnson City

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Johnson City drivers rank 11 in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #11
  • Percent of drivers in Johnson City with a DUI: 2.24%
  • Drivers in Johnson City, TN with a DUI in their driving history paid on average 6% more than drivers with a clean record

Most Popular Vehicle Johnson City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Johnson City is the Honda Accord.

Rude Johnson City

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Tennessee, Johnson City drivers rank 7 in rude driving infractions.

  • Rank within state: #7
  • Percent of drivers in Johnson City with a reckless driving violation: 2.24%
  • Drivers in Johnson City, TN with a reckless driving violation in their driving history paid on average 19% more than drivers with a clean record.

Safest Drivers Johnson City

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Johnson City drivers rank 10 in clean driving records across all cities in Tennessee.

  • Rank within state: #10
  • Percent of drivers in Johnson City with clean record: 76.8%

Failure to Yield the Right of Way Johnson City

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Johnson City drivers rank 6 in failure to yield violations per driver across all cities in Tennessee.

  • Rank within state: #6
  • Percent of drivers in Johnson City with a failure to yield violation: 0.48%
  • Drivers in Johnson City, TN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Johnson City

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Tennessee, Johnson City drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Johnson City with a reckless driving offense: 0.16%

Hybrid/Electric Vehicle Ownership Johnson City

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Johnson City drivers rank 24 in hybrid and electric vehicle ownership across all cities in Tennessee.

  • Rank within state: #24
  • Percent of drivers in Johnson City with a hybrid/electric vehicle: 0.24%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.