Cheapest Auto Insurance in Kingsport, Tennessee (2024)

State Farm offers the cheapest car insurance in Kingsport, with minimum-coverage policies as low as $17 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated June 16, 2024

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Cheapest recent rates near Kingsport, Tennessee

Recent Kingsport, Tennessee car insurance prices for Chevrolet, Nissan, GMC , and more.

*Quotes generated for Insurify users in and around Kingsport, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Kingsport, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Kingsport drivers pay an average of $99 per month for car insurance, which is cheaper than the state average of $130 per month.

The Tennessee city sits near the Virginia border and has a population of around 56,000 residents.[1] Its relatively small population and location tucked away near Bays Mountain likely contributes to its cheap car insurance rates.

Here’s what you need to know about comparing quotes and finding the right auto coverage for you in Kingsport, Tennessee.

Quick Facts
  • The average cost of car insurance in Kingsport is $64 per month for liability coverage and $135 per month for full coverage.

  • State Farm is the cheapest insurer for full coverage, with a monthly rate of $34.

  • Tennessee state law allows insurers to consider your credit-based insurance score when determining your auto premium.[2]

3 of the cheapest car insurance companies in Kingsport

Every driver in Kingsport has a unique situation that affects their car insurance premiums. To find the best insurance rates, it’s important to compare quotes from multiple car insurance companies.

While it’s useful to shop around, some car insurance companies offer consistently better rates than others. Here are some of the best insurance companies in Kingsport to jump-start your search for cheap car insurance.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.6$44$22Cheap rates
GEICO4.4$57$28Families
Auto-Owners4.3$60$30Customer service
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$17/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$34/mo

State Farm offers Kingsport drivers some of the best rates for both liability-only and full-coverage policies. The company also earned an above-average J.D. Power customer satisfaction rating in the Southeast region.[3]

If you want even cheaper rates, State Farm’s robust selection of insurance products makes it easy to bundle for savings. Some other policies that State Farm offers include renters insurance, home insurance, life insurance, motorcycle insurance, boat insurance, and pet insurance.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Southeast

  • Relatively affordable rates

Cons
  • Can’t get a quote online

  • Doesn’t offer gap insurance

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for families: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$21/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$43/mo

Families with young drivers might appreciate the discounts GEICO has to offer. Almost 20% of the population in Kingsport is younger than 18, which means plenty of families can take advantage of discounts.[1] Helpful discounts are available for good students, safe driving, driver’s education courses, and insuring multiple vehicles.

While the rates seem low and the discounts are plentiful, GEICO has a below-average J.D. Power customer satisfaction ranking in the Southeast region.[3]

Pros
  • Below-average rates

  • Various family-friendly discounts

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast

  • Doesn’t offer rideshare coverage 

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

Best insurer for customer service: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$23/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$46/mo

If you want to work with an insurance company that talks you through your options, Auto-Owners might be the right fit. The company requires you to work with an insurance agent to finalize your policy, which can be helpful if you have questions about any of the coverage options you’re considering.

In addition to a robust network of local agents, the company offers some of the cheapest rates in the state.

Pros
  • Below-average rates

  • AM Best financial strength rating of A++ (Superior)[4]

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast

  • Must work with an agent to finalize a policy

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

How to get the cheapest car insurance in Kingsport

Insurance companies consider several factors when determining your auto insurance premiums, like your insurance type, driving record, credit history, marital status, age, and location. Use the strategies below to help you find the right choice for your budget:

  • Shop around. Since every insurer has a different method of determining premiums, shopping around with an online comparison tool can help you find the best policy for your situation.

  • Ask for a discount. Many insurance companies offer discounts. It never hurts to ask if you qualify for discounts, such as good student, paperless billing, auto pay, vehicle safety features, and more.

  • Reduce coverages. A minimum-coverage car insurance policy usually comes with the cheapest car insurance rates. But only reduce your coverage if you’re comfortable with a bare-bones policy that has minimal protection.

  • Raise your deductible. In general, insurance companies offer cheaper auto insurance rates to drivers with higher deductibles. If you have the money on hand to cover a higher deductible when you file a claim, then consider this option.

Get Car Insurance Online

Kingsport rates start at $17 per month

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Cheapest liability-only car insurance in Kingsport: State Farm

Liability-only auto insurance policies, which include bodily injury and property damage liability coverage, usually have the cheapest rates. While this type of policy can help you pay for injuries or damage you cause to others, it won’t help you pay for your own injuries or car repairs.

In Kingsport, liability-only car insurance costs $64 per month, on average.

The table below shows other affordable companies for liability insurance in Kingsport.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$17
USAA$20
GEICO$21
Travelers$22
Auto-Owners$23
Erie$24
Allstate$30
Mile Auto$30
Farmers$33
Nationwide$40
Safeco$42
Progressive$44
Chubb$47
Midvale Home & Auto$52
Dairyland$55
National General$55
State Auto$62
Elephant$65
Liberty Mutual$67
Direct Auto$68
GAINSCO$78
The General$91
Bristol West$109
Foremost$119
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Kingsport: State Farm

Full-coverage car insurance policies offer more financial protection for drivers. In addition to liability insurance, this type of policy includes comprehensive and collision coverage. After an accident, a full-coverage policy can help you pay for repairs to your own vehicle.

If you financed or leased your car, your lender or lessor might require full-coverage insurance. But even if you don’t have to carry a full-coverage policy, the more robust protection might be a good idea — especially if you aren’t ready to pay for repairs to your vehicle after an unexpected incident.

A full-coverage policy in Kingsport costs an average of $135 per month.

Use the table below to compare average full-coverage policy quotes for Kingsport drivers.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$17
USAA$20
GEICO$21
Travelers$22
Auto-Owners$23
Erie$24
Allstate$30
Mile Auto$30
Farmers$33
Nationwide$40
Safeco$42
Progressive$44
Chubb$47
Midvale Home & Auto$52
Dairyland$55
National General$55
State Auto$62
Elephant$65
Liberty Mutual$67
Direct Auto$68
GAINSCO$78
The General$91
Bristol West$109
Foremost$119
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Kingsport, Tennessee

Recent Kingsport, Tennessee car insurance prices for Ford, Honda, Dodge , and more.

*Quotes generated for Insurify users in and around Kingsport, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Kingsport, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Tennessee

Tennessee drivers must carry a minimum amount of car insurance that meets 25/50/25 limits. Here’s what those numbers translate to:[5]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Sticking with basic liability coverage requirements won’t help you pay for repairs to your own vehicle. If you want more protection for your car, consider the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for vehicle repairs or replacement after a non-collision incident, like theft, vandalism, falling objects, severe weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance kicks in to cover vehicle damages if you hit a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If you finance or lease your vehicle, gap insurance can cover the difference between your auto loan balance and insurance settlement after a total loss.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Many insurance companies offer roadside assistance coverage to help you during an emergency. For example, you could get a helping hand if you have a flat tire.

Why Is My Car Insurance So High? (2024)

Why Is My Car Insurance So High? (2024)

Cheapest car insurance for drivers with an incident

A mistake on the road can increase your car insurance costs. Common incidents — like speeding tickets, driving under the influence (DUI) convictions, and at-fault accidents — indicate a higher risk of filing a claim, and insurance companies raise rates to offset that risk.

Sullivan County reported more than 3,700 crashes in 2023. In comparison, more populated counties like Davidson County and Hamilton County reported many more crashes.[6] After a car accident, the average cost of car insurance in Kingsport increases from $64 per month to $95 per month.

But costs can increase even more, especially after a serious violation like a DUI. Drivers in Kingsport with DUIs on their record pay an average of $108 per month for coverage.

Here’s how car insurance rates in Kingsport change with different driving incidents.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$17$22$23$29
USAA$20$26$27$34
GEICO$21$27$29$35
Travelers$22$29$30$37
Auto-Owners$23$30$31$39
Erie$24$32$33$40
Allstate$30$39$41$51
Mile Auto$30$42$45$46
Farmers$33$42$45$56
Nationwide$40$52$55$67
Safeco$42$55$55$71
Progressive$44$57$61$74
Chubb$47$62$64$79
Midvale Home & Auto$52$70$75$88
Dairyland$55$72$75$93
National General$55$70$75$93
State Auto$62$87$93$105
Elephant$65$93$87$110
Liberty Mutual$67$96$100$113
Direct Auto$68$89$95$115
GAINSCO$78$111$103$132
The General$91$119$126$153
Bristol West$109$140$146$184
Foremost$119$170$177$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Auto insurance companies usually take your age into account when determining premiums. On average, teen drivers pay the most expensive rates. But even young adults in their 20s may pay higher rates than older drivers.

Drivers typically start to see their car insurance costs decrease between ages 35 and 70. After age 70, rates usually start to tick up again for senior drivers. The good news is that shopping around at any age can help you find cheap auto insurance.

The table below shows average rates for drivers by age in Kingsport. 

AgeAverage Monthly Quote
Teens$201
20s$153
30s$116
40s$102
50s$88
60s$85
70s$90
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Kingsport, TN

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Kingsport car insurance quotes by credit tier

The state of Tennessee allows insurance companies to consider your credit history when determining premiums.[2] Drivers with excellent or good credit pay cheaper rates for car insurance than drivers with poor credit.

The table below shows average car insurance quotes by credit tier in Kingsport.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Kingsport car insurance FAQs

Check out Insurify’s guide on switching your car insurance, and read the answers to common questions about auto coverage in Kingsport below.

  • How much is car insurance in Kingsport?

    The average cost of car insurance in Kingsport is $64 per month for liability coverage and $135 per month for full coverage.

  • Which companies have the cheapest car insurance in Kingsport?

    State Farm, USAA, and GEICO are the cheapest car insurance companies in Kingsport, with liability rates of $17, $20, and $21 per month, respectively.

    But the cheapest company for someone else may not be the cheapest for you. It’s important to compare rates from multiple companies to find the one that offers you the best deal. You can also use a quote-comparison website to help you look at multiple rates in one place.

  • What are the best car insurance companies in Kingsport?

    Some of the best car insurance companies in Kingsport include Auto-Owners, GEICO, and State Farm. These insurers have low average rates for Kingsport drivers, high Insurify Quality (IQ) Scores, and solid financial strength ratings.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts: Kingsport city, Tennessee."
  2. Tennessee Department of Commerce and Insurance. "A Consumer's Guide to Auto Insurance."
  3. J.D. Power. "2023 U.S. Auto Insurance Study."
  4. AM Best. "AM Best Affirms Credit Ratings of Auto-Owners Insurance Company and Subsidiaries."
  5. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  6. Tennessee Department of Safety and Homeland Security. "Tennessee Traffic Crash Data."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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