Johnson City, TN Car Insurance

On average, Johnson City drivers pay around $40 a month for their car insurance. To learn more about what you're likely to pay in the Johnson City area, read our guide below.
What can Johnson City residents expect to pay for their car insurance? How does Johnson City compare to the surrounding area and the rest of Tennessee? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Johnson City?

Area Average Monthly Car Insurance Premium
Johnson City$40
TN$53
United States$81

Auto insurance coverage in Johnson City is about $13 cheaper than it is in the rest of Tennessee.

Likewise, when compared to the national average, the cost for auto insurance in Johnson City is lower. You can expect to pay about $41 less for your policy in Johnson City than in the rest of United States.

While these are the average costs to insure your vehicle in Johnson City, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down the average rate for Johnson City residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$65
25-34$38
35-44$34
45-54Not Enough Data
55-64$29
65+$33

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Johnson City drivers may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$41
Female$40

On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly auto insurance coverage, the difference in Johnson City is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$54
Multiple Accidents$55
1 Ticket$49
Multiple Tickets$48

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Johnson City with a single accident on their record will usually see rates around $54 a month. Likewise, drivers with one ticket will be looking at a rate of around $49 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$41
2-3 Years$37
4-5 Years$34
6-7 Years$40
8-10 Years$38
11-14 Years$41
15 Years or Older$41

If you look at the first table above, the cheapest vehicles to insure in Johnson City are usually SUVs, trucks, and vans, at $39 per month.

The bill for car owners, however, is about $41 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Johnson City, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$42
Married$34
Divorced$36
Widowed$30

More often than not, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Johnson City is no exception, with the difference totaling to around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$37
Rent$40
Live with parents$69

One other element taken into consideration is your housing situation. If you rent your home or apartment in Johnson City, expect to pay around $3 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Johnson City, TN

Recent trends in car insurance for Johnson City drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Johnson City had been decreasing from 2017-2019, before steadying out in 2020. They finished up in 2022, at $39 a month

How does Johnson City compare to neighboring areas?

Why are car insurance rates in Johnson City different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Regional laws
  • Off-street parking accessibility
  • Crime levels
  • Amount of drivers in the area
  • Road Safety (total number of local car accidents)

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Johnson City?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Johnson City in no time.

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Johnson City Insurance FAQs

What factors affect car insurance quotes in Johnson City?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Johnson City different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Johnson City?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Johnson City?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Johnson City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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