Johnson City Car Insurance

Find the right car insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Whether you are traveling on busy I-26 or running errands on N Roan Street, car accidents can happen at any time in Johnson City. While you may be a safe and conscientious driver, other people on the road may not be so careful. If you get into an accident, you need car insurance to help you recover financially and get back out on the road with confidence. 

Independent insurance agents make shopping for the right car insurance policy easy. Independent agents can work with multiple insurance companies, so you can compare quotes and make sure you are getting the high-quality, best-value coverage you desire. 

Tennessee Car Insurance Requirements

All vehicle owners in Tennessee are required to have a minimum amount of auto insurance that includes the following types of coverage:

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/15; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage

In most cases, it’s important to buy more than the minimum liability insurance required by the state. The minimum coverage may be sufficient to cover damage from minor accidents. But if you cause a serious accident, the minimum coverage likely won’t be enough and you could be left with extensive bills to pay.  


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Number of Uninsured Motorists in Tennessee

Tennessee has a very high percentage of uninsured drivers, even though auto insurance is required by law for every driver. Uninsured motorist coverage is essential for Tennessee vehicle owners because it protects responsible drivers from those who fail to purchase insurance.

  • How many US drivers are uninsured? 12.6%
  • How many Tennessee drivers are uninsured? 20%

If you are in an accident that is caused by an uninsured driver, it may be difficult or impossible to collect what the other driver owes you for repairs and medical bills. Uninsured motorist insurance was created to ensure that you can receive compensation without having to take the at-fault driver to court. Because Tennessee has the 5th highest percentage of uninsured drivers in the US, this coverage is essential. 

Number of Auto Thefts in Tennessee

Johnson City has a low auto theft rate. You are not very likely to have your car stolen if you live in Johnson City, but that doesn’t mean you shouldn’t take precautions and have the right insurance coverage. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Johnson City auto theft rate per 1,000 vehicles: 1.79

If your car is stolen or vandalized, you need comprehensive coverage to reimburse you for your lost or damaged car. Comprehensive coverage also helps you pay if falling objects, floods, structure fires, or other hazards cause damage to your car. An independent agent in Johnson City can help you review the cost to include this coverage in your policy.

How Much Does Car Insurance Cost in Johnson City, TN?

Tennessee has the 24th highest average car insurance rates in the US. Average car insurance rates in Johnson City are lower than the national and state averages. 

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Johnson City average annual car insurance cost: $1,085

Remember, everyone’s car insurance rates are a little different, so your cost may be higher or lower than the average for your town. Your individual rates are determined by how much risk exposure you have as a driver. If you have a high-risk car like a sports car or you live in a neighborhood with a high crime rate, you can expect to pay more than others for the same coverage. 

Your rates are also based on other characteristics that help determine how likely you are to cause a crash or file a claim. These include your age, gender, and marital status, as well as your driving history, claims history, and even your credit score. 

The amount of liability coverage you are purchasing and the deductibles you choose also play a role in how much you will pay for your Johnson City auto insurance policy. Higher coverage limits will cost more, but you can save by choosing higher deductibles. Most insurance companies offer numerous discounts to help you keep costs down. 

Bundling your home insurance or renters insurance with your auto insurance is one way to earn a discount from most insurance companies. Contact an independent insurance agent in Johnson City to obtain and compare customized quotes from multiple highly rated insurance companies.

Why Contact an Independent Insurance Agent?

Vehicle owners in Johnson City can ask an independent insurance agent for help finding the best auto insurance. Independent agents can obtain quotes from multiple insurance companies, so you can choose a policy that best meets your coverage and budgetary needs. 

Contact an agent near you to start comparing customized car insurance quotes. 

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