Johnson City, TN Car Insurance

On average, Johnson City drivers pay around $41 a month for their car insurance. For more information refer to 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? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Johnson City?

Area Average Monthly Car Insurance Premium
Johnson City$41
TN$52
United States$80

Based on the chart above, you can see that coverage in Johnson City typically costs about $11 a month less than it does in the rest of Tennessee.

Compared to the national average cost of auto insurance coverage, Johnson City has lower rates. The average monthly payment in Johnson City is about $39 less than the rate for the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Johnson City residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$66
25-34$39
35-44$34
45-54$33
55-64$29
65+$32

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $34 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may start to rise again in Johnson City.

Average Car Insurance Rates by Gender

Gender Average
Male$42
Female$39

Car insurance rates for men are usually slightly more expensive than they are for women. The price to insure your car in Johnson City, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$55
1 Ticket$63
Multiple Tickets$69

Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Johnson City with a single accident on their record will usually see rates around $62 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $63 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$47
2-3 Years$40
4-5 Years$34
6-7 Years$44
8-10 Years$39
11-14 Years$39
15 Years or Older$42

The most affordable vehicles to insure in Johnson City are by and large SUVs, which run about $39 per month.

Cars, trucks, and vans, however, usually cost about $41 for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Johnson City, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$44
Married$34
Divorced$36
Widowed$30

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Johnson City is about $10 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$38
Rent$41
Live with parents$69

One other element taken into consideration is your living accommodations. 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.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Johnson City, TN

Recent trends in car insurance for Johnson City drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The cost of auto insurance coverage in Johnson City decreased from 2016-2019, before leveling out in 2020. Policy premiums finished down in 2021, at $35 a month

How does Johnson City compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Rate of crime
  • Community laws
  • Amount of off-street parking
  • Number of drivers in the community
  • Road safety

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Johnson City.

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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 age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Johnson City or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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