Cheap Auto Insurance Quotes in Kingsport, TN (January 2022)

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Last Updated: January 2022

Kingsport’s 50.3 square miles cover a town like many others its size and include hospitals, college campuses, shopping districts, and neighborhoods. It does boast one frightful fact. The actor who played Michael Myers in Halloween hails from here and can occasionally be seen at the local haunted houses.

What shouldn’t be frightening about Kingsport? Driving. Though you can’t always escape the traffic and accidents that come with traveling in and around the Tri-Cities area, you can ensure the best outcome by having a solid car insurance policy in place.

Car Insurance in Kingsport, 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 Kingsport, TN to find you the cheapest quotes in the area.
$46
$78
$112
$137
$158
ProgressiveState FarmNationwideAmerican FamilyDirect Auto

Cheapest Car Insurance in Kingsport, TN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Kingsport, TN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Kingsport. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$129
$159
$112
$134
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$115
TennesseeMemphisKnoxvilleChattanoogaClarksvilleKingsport
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Kingsport, 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.

Kingsport Car Insurance Rates by Driver Age

Teenagers working part-time should be able to squeak out a $268 per month car insurance payment and still have some spending money left over. In the Volunteer State, premiums go down as experience behind the wheel increases. So young adults in their 20s grab an $80 price break from what teen drivers shell out. From there, everyone 30 or older spends less than the state average of $181. People in their 60s lock in a rate that’s less than half of what the youngest drivers pay.

Driving History
No Violation$143
Speeding Ticket$177
At-Fault Accident$152
Failure to Stop for Red Light / Stop Sign$72

Kingsport Car Insurance Rates by Driving and Accident History

In Kingsport, safe driving rewards people in more ways than one. Folks get the peace of mind that comes from defensive driving, and insurance companies grant “good driver” and “accident-free” discounts to the most responsible motorists. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations buy bare-bones policies, skipping comprehensive and collision coverage. A speeding ticket pops the rate up to $176 per month. Fortunately, after three years of careful driving, a person can qualify for the best rates again.

Kingsport Car Insurance Rates by Credit Tier

Tennesseans have scratched their heads for years trying to figure out what credit has to do with driving. State law says insurance companies can assess credit when setting rates. Usually, people with better credit pay less. So why is it just the opposite in Kingsport? Those with better credit may finance costlier cars and get more coverage to protect their assets. Even so, those with poor or average credit only have a $5 difference between them.

Kingsport, TN DMV Information

Need to renew your driver’s license but don’t want to get stuck waiting? In Kingsport, you can keep track of the wait times at area DMVs to inform your next dash. Or you can make things even easier by getting an appointment online. If tags are on your DMV to-do list, the Sullivan County Clerk’s Office handles tag renewals for all Kingsport residents in Sullivan County and is located at 225 W Center St. If you live in the part of Kingsport that sits in Hawkins County, your county clerk’s office is at 110 E Main St. in Rogersville. Remember that you can only go to the clerk’s office for your county. Want to make renewing your license plate even easier? Go online instead.

Public Transportation in Kingsport, TN

Whether shopping, golfing, or just getting out into the open is on your to-do list, getting around is easy in Kingsport. Though most people here drive, you can make use of public transportation as well. The Kingsport Area Transit Service (KATS) is the face of public transportation in this town. Operating Monday through Friday from 7:30 a.m. to 5:30 p.m., KATS includes six fixed bus routes and a dial-a-ride option for those needing on-demand curb-to-curb transportation. Use their ride guide to plan your best trip and view safety tips. Rideshare services Uber and Lyft operate here, as well as traditional 24-hour cab services.

Find local Kingsport agents

Tony Powers Insurance 
1772 Fort Henry Drive, Kingsport, TN 37664
B&E dba Tri State Claims 
200 E. Commerce St., Ste 101, Kingsport, TN 37662
Shafer Insurance Agency 
4105 Fort Henry Dr. Ste. 206, Kingsport, TN 37663-2250
Mountain Empire Agcy Alliance 
1524 Bridgewater Ln #101, Kingsport, TN 37660
Edwards, Tipton, Witt Agency 
224 West New Street, Kingsport, TN 37660-3610
J. Mark Bowery Insurance, Inc. 
3713 Memorial Blvd, Kingsport, TN 37664-3424
Price & Ramey, Inc. 
1524 Bridgewater Ln Ste 101, Kingsport, TN 37660-4183
McGriff Insurance Services - Kingsport Development Company 
433 E Center St, Kingsport, TN 37660-4844
Bennett & Edwards Insurance 
217 Broad Street, Kingsport, TN 37660-4203
The Yates Agency, Inc. 
1475 E Center St, Kingsport, TN 37664-2501

Insurify Insights: How Kingsport Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Kingsport, TN
suspended licenses
#7
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 Kingsport 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 in Kingsport

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. Kingsport drivers rank 31 in the number of car accidents per driver across all cities in Tennessee.

  • Rank within state: #31
  • Percent of drivers in Kingsport with an accident: 9.64%
  • Drivers in Kingsport, TN with an accident in their driving history paid on average 69.81% more than drivers with a clean record

Speeding in Kingsport

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Kingsport drivers rank 21 in the number of speeding infractions per driver.

  • Rank within state: #21
  • Percent of drivers in Kingsport with a speeding ticket: 11.62%
  • Drivers in Kingsport, TN with a speeding ticket in their driving history paid on average 58.49% more than drivers with a clean record

DUI/DWIs in Kingsport

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kingsport drivers rank 22 in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #22
  • Percent of drivers in Kingsport with a DUI: 1.73%
  • Drivers in Kingsport, TN with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Kingsport

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

Rude in Kingsport

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, Kingsport drivers rank 8 in rude driving infractions.

  • Rank within state: #8
  • Percent of drivers in Kingsport with a reckless driving violation: 2.22%
  • Drivers in Kingsport, TN with a reckless driving violation in their driving history paid on average 28.3% more than drivers with a clean record.

Safest Drivers in Kingsport

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Kingsport drivers rank 3 in clean driving records across all cities in Tennessee.

  • Rank within state: #3
  • Percent of drivers in Kingsport with clean record: 79.48%

Failure to Yield the Right of Way in Kingsport

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kingsport drivers rank 2 in failure to yield violations per driver across all cities in Tennessee.

  • Rank within state: #2
  • Percent of drivers in Kingsport with a failure to yield violation: 0.87%
  • Drivers in Kingsport, TN with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Kingsport

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, Kingsport drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank within state: #13
  • Percent of drivers in Kingsport with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Kingsport

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kingsport drivers rank 7 in hybrid and electric vehicle ownership across all cities in Tennessee.

  • Rank within state: #7
  • Percent of drivers in Kingsport with a hybrid/electric vehicle: 0.92%

How to get the best and cheapest car insurance in Kingsport, TN

Spooky celebrity sightings aren’t the only thing going for this town, of course. Not only has Kingsport been named one of the top 10 cities in which to walk, Golf Digest Magazine has ranked it as one of the best places to live in the U.S. for golfers. Wouldn’t it be great if there were a quick way to rank the best car insurance companies in the area? Better yet, what about getting the top car insurance company just for you? Insurify is the AI-driven quote-comparison engine you’ve been waiting for.

If you are driving in or around the Tri-Cities area, you already know you have to have car insurance. But you might not know how to find the kind of car insurance that fits your lifestyle the best. Let’s face it: we aren’t all movie stars with tee times ahead of us. If you’re just one of the regulars trying to get ahead of your insurance rate, use Insurify to compare dozens of the best insurance quotes in seconds.


FAQs - Kingsport, TN Car Insurance

How does my Kingsport ZIP code affect my car insurance rate?

Believe it or not, you could live across the street from someone with a different ZIP code and see a difference in your insurance bill. This geographic pricing model means that insurers consider the number of accidents and theft claims within a certain ZIP code and use that to calculate how much they will charge you for insurance. Although driving habits and driving record are certainly a major part of that calculation, ZIP code is usually the first thing any car insurance comparison site will ask you.

Is car insurance mandatory in Tennessee?

Yes. As of 1977, Tennessee law requires drivers to carry liability coverage at the very least. While this is the only state-required insurance, a bank or other lienholder could require you to carry extra coverage (usually comprehensive and collision coverage) if your vehicle is financed. Maintaining the minimum insurance will keep you out of trouble and your car out of the impound lot. And there are additional insurance options you can and should look into to be on the safe side.

My Tennessee registration was suspended. How do I reinstate it?

First, you’ll need to get a liability auto insurance policy that meets the minimum state law requirement. In Tennessee, the required minimum limits of your liability car insurance are $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident, and $15,000 for property damage per accident. Once you have the legal amount of insurance coverage, visit driveinsuredtn.com or your local county clerk to pay all fees, including the county reinstatement fee.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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