Kingsport Car Insurance

Your Complete Guide to Kingsport, TN Car Insurance

Find the right car insurance policy for you.

Kingsport, Tennessee is a historic city located at the intersection of US Route 11W and US Route 23. Interstate 26 ends in Kingsport. Heavy Interstate traffic combined with busy local roads can cause dangerous driving conditions to sometimes develop in Kingsport. And even when conditions are perfect, a car accident can happen in the blink of an eye. 

Car insurance can give Kingsport drivers some peace of mind. With a reliable auto insurance policy, you can be sure that you’ll be able to recover from an accident and quickly move on with your life. A local independent insurance agent can help take the confusion out of car insurance. Your agent can explain your options, obtain multiple quotes for comparison, and help you make the right choice. 

Tennessee Car Insurance Requirements

If you own a vehicle in Tennessee, you are required to purchase auto insurance. But this isn’t the only reason to have car insurance. Without it, you are entirely unprotected from the financial consequences of causing a crash. The following are the minimum coverage requirements for Tennessee drivers:

  • 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

The state mandates a certain amount of auto liability insurance so that you can pay other drivers’ expenses if you cause a crash. But if you purchase only the minimum amount of coverage required by the state, you could be seriously underinsured. Major collisions often include paying medical bills for your passengers or other drivers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence. 

These can easily add up to more than the state-mandated minimum liability coverage. Purchasing more robust coverage limits on your auto insurance policy is a good idea. For even more coverage, you can purchase a personal umbrella policy, which offers protection beyond the limits of your auto insurance policy. 

How Much Does Car Insurance Cost in Kingsport, TN?

Tennessee is the 24th most expensive state for car insurance. Average car insurance rates in Kingsport are similar to the state average. 

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Kingsport average annual car insurance cost: $1,217

Remember, auto insurance rates often vary significantly from one driver to the next, so your rates may be more or less than average. This is because insurance companies base your rates on several of your unique characteristics that help them determine how likely you are to get into an accident or file a claim. Your age, gender, and marital status help insurance companies determine whether you might be a risky driver. They also evaluate your driving history and credit score, as well as the year, make, and model of the car you drive. 

They will evaluate the same characteristics for every driver in your household and will base your rates on your level of risk as well as the coverage limits, coverage options, and deductibles that you choose. You can usually save some money by qualifying for discounts. Most insurance companies offer discounts for customers who bundle several policies together, such as car and home insurance. An independent insurance agent in Kingsport can help you compare quotes, choose policy options, and maximize your discounts. 

Number of Uninsured Motorists in Tennessee

Driving without insurance is against the law in Tennessee, yet many drivers continue to drive without coverage and put everybody else on the road at risk. If you are hit by an uninsured driver, chances are you will have to pay for your own medical expenses and vehicle repairs.

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

Uninsured motorist coverage is not required in Tennessee, but most drivers should purchase it. You’ll be reimbursed for your accident-related expenses, even if your insurance company can’t collect from the at-fault driver. 

Number of Auto Thefts in Tennessee

The auto theft rate across the state of Tennessee is lower than the national average. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Kingsport auto theft rate per 1,000 vehicles: 2.90

Comprehensive coverage is the protection you need if your car is stolen or vandalized. It reimburses you for your lost or damaged car, and it also offers coverage for all kinds of “other than collision” vehicle damage, such as damage from falling objects, floods, structure fires, and more. Talk to an independent insurance agent in Kingsport about comprehensive coverage and how it can help you pay to repair your car in a variety of unforeseen circumstances. 

Why Contact an Independent Insurance Agent?

Independent insurance agents can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in or near Kingsport. 

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