Cheapest Car Insurance Quotes in Johnson City

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Johnson City Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Johnson City

The car insurance rate in Johnson City is $729 for a six-month policy, which is $149 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $355, making it a popular choice for budget-conscious drivers. Rates in Johnson City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Johnson City

$729

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Johnson City

1st place: AutoOwners Insurance Co

At $355 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $374 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Tennessee Farm Bureau

Tennessee Farm Bureau offers auto insurance rates at $399 for six months, making it the third cheapest auto insurance company in Johnson City.

Johnson City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Johnson City, TN is AutoOwners Insurance Co, offering policies at just $355 for a six-month term. This is followed by Westfield, which has an average six-month premium of $374.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1198 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Johnson City drivers find the best deals.

Cheap Car Insurance Companies in Johnson City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$355	$61
Westfield	$374	$62
Tennessee Farm Bureau	$399	$68
Erie	$557	$94
Travelers	$582	$98
USAA	$631	$106
Grange	$686	$115
Farm Bureau of Tennessee	$710	$119
Auto-Owners	$730	$124
Farmers	$789	$133
Tennessee Farmers	$793	$135
Penn National	$858	$143
Nationwide	$951	$162
State Farm	$961	$162
Progressive	$1095	$184
Allstate	$1198	$200

Key Takeaways

Way's key takeaways about car insurance in Johnson City

The auto insurance costs in Johnson City fall around $355 for six months.
The cheapest auto insurance company in Johnson City is Westfield.
Teen drivers pay the highest rate in Johnson City at $746 per month.

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Cheapest Minimum Liability Car Insurance in Johnson City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Johnson City are given below.

Westfield provides the cheapest minimum car insurance coverage in Johnson City. Their Average 6 Month Premium is $114. Allstate is the most expensive at $399 for the same period.

Cheapest Liability Coverage in Johnson City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$114	$19
Auto-Owners Insurance Co	$133	$22
Tennessee Farm Bureau	$138	$23
Farm Bureau of Tennessee	$143	$24
Tennessee Farmers	$163	$27
USAA	$163	$27
Cincinnati	$168	$28
Erie	$188	$32
Travelers	$188	$32
Penn National	$203	$34
Auto-Owners	$212	$36
Farmers	$232	$39
State Farm	$242	$41
Progressive	$271	$46
Allstate	$399	$67

Cheapest Full Coverage Car Insurance in Johnson City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Johnson City is AutoOwners Insurance Co at $61 per month and $355 for six months.

Cheapest Full Coverage Car Insurance Quotes in Johnson City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$355	$61
Westfield	$374	$62
Tennessee Farm Bureau	$399	$68
Erie	$557	$94
Travelers	$582	$98
USAA	$631	$106
Grange	$686	$115
Farm Bureau of Tennessee	$710	$119
Auto-Owners	$730	$124
Farmers	$789	$133
Tennessee Farmers	$793	$135
Penn National	$858	$143
Nationwide	$951	$162
State Farm	$961	$162
Progressive	$1095	$184
Allstate	$1198	$200

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Average Car Insurance in Johnson City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Johnson City, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Johnson City, Tennessee, may be increasing due to several external factors. Tennessee has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Johnson City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Johnson City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Johnson City,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Johnson City at $22 per month. At $4388 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
Tennessee Farm Bureau	$188	$32
Auto-Owners Insurance Co	$198	$33
Grange	$212	$36
Cincinnati	$217	$37
Erie	$730	$123
USAA	$730	$123
Travelers	$769	$129
State Farm	$1164	$196
Farmers	$1331	$224
Progressive	$1967	$331
Auto-Owners	$2529	$422
Allstate	$4388	$746

Teen Car Insurance Rates in TN by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Johnson City, Tennessee Farm Bureau is the cheapest car insurance provider. At $158 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Johnson City is State Farm, offering rates of around $4132 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$158	$27
Westfield	$207	$35
Grange	$247	$42
Cincinnati	$291	$50
Travelers	$740	$125
Farmers	$853	$144
USAA	$872	$145
Progressive	$981	$165
Erie	$1001	$168
Auto-Owners	$1928	$328
Allstate	$2086	$348
State Farm	$4132	$702

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Car Insurance Rates with An Accident in Johnson City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Johnson City, TN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Johnson City

The cheapest car insurance companies after an at-fault accident in Johnson City include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $138 and $143, respectively. Allstate is an expensive provider with an average six-month premium of $2391.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$138	$23
Farm Bureau of Tennessee	$143	$24
Westfield	$193	$32
Auto-Owners Insurance Co	$247	$42
Grange	$266	$44
Travelers	$409	$69
Erie	$449	$76
USAA	$458	$77
State Farm	$488	$82
Farmers	$557	$94
Progressive	$853	$144
Auto-Owners	$1243	$212
Allstate	$2391	$398

Johnson City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Johnson City TN. For example, the car insurance in Johnson City after a DUI increases to $824 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.

Johnson City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$823	$137
Not-at-fault accident	$828	$141
One Med/PIP claim	$833	$139
One comp claim	$843	$144
Two comp claims	$853	$142
Two Med/PIP claims	$853	$145
Failure to wear a seat belt	$946	$158
Failure to show documents	$961	$164
Child safety restraint	$966	$161
Driving without lights	$966	$164
Cell phone violation	$981	$164
Driving with expired registration	$981	$167
Speeding 6 - 10 MPH over limit	$981	$164
Driving too slowly	$986	$168
Speeding 11 - 15 MPH over limit	$986	$164
Speeding in school zone	$986	$168
Failure to yield	$991	$165
Following too closely	$991	$168
Illegal turn	$991	$165
Speeding 16 - 20 MPH over limit	$991	$168
Texting while driving	$991	$165
Improper passing	$1001	$170
Wrong way/wrong lane	$1001	$167
Failure to stop at a red light	$1006	$171
In 65 MPH zone	$1021	$170
Speeding 21 - 25 MPH over limit	$1045	$178
At-fault accident - less than $1000	$1060	$177
Passing school bus	$1060	$180
Operating a vehicle without permission	$1124	$188
Open container	$1134	$193
At-fault accident - $1000-$2000	$1223	$204
At-fault accident - greater than $2000	$1223	$208
Reckless driving	$1543	$257
Racing	$1548	$263
Driving with a suspended license	$1588	$265
Refusal to submit to a chemical test	$1617	$275
DUI	$1647	$275
Leaving scene of an accident/hit and run	$1647	$280

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Johnson City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Johnson City.

The cheapest car insurance premiums in Johnson City are offered by Tennessee Farm Bureau at $217 for a six-month policy. However, it can be as expensive as $1736 with companies like AutoOwners.

Johnson City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$217	$37
Grange	$335	$56
Travelers	$572	$96
Farmers	$656	$110
USAA	$779	$131
Erie	$808	$136
Progressive	$813	$137
Tennessee Farmers	$956	$159
State Farm	$966	$163
Allstate	$1484	$250
Auto-Owners	$1736	$295

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Johnson City are offered by Westfield at $133. However, it can be as expensive as $1750 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Johnson City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
Tennessee Farm Bureau	$138	$23
Auto-Owners Insurance Co	$193	$32
Cincinnati	$203	$34
Chubb	$222	$37
Erie	$478	$81
Travelers	$567	$95
USAA	$582	$99
State Farm	$631	$106
Auto-Owners	$730	$124
Progressive	$912	$154
Farmers	$1243	$212
Allstate	$1750	$291

Car Insurance Price Trends in Johnson City, Tennessee

Car insurance rates in Johnson City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Johnson City remained steady at $144 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Johnson City remained steady at $35 in both February and January, indicating no change over the two month period.

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Average Car Insurance Cost in Johnson City by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Johnson City. At $998 for a six-month policy, insuring your car at 37601 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
37601	$998	$168
37614	$743	$125
37604	$998	$168
37615	$889	$149

Frequently Asked Questions

How much is car insurance in Johnson City?

The car insurance in Johnson City is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Johnson City?

The cheapest car insurance in Johnson City is $61 per month for full coverage.

How much is car insurance in Johnson City for teenagers?

Car insurance for teenagers costs $133 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Johnson City?

The average cost of car insurance is $878 for a six-month policy. It will cost around $123 per month to insure your car in Johnson City.

Is car insurance expensive in Johnson City?

Car insurance can be expensive in Johnson City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Johnson City can be affordable.

Cheapest Car Insurance Quotes in Johnson City

Why you can trust Way?

How Much Is Car Insurance in Johnson City

Avg. Car Insurance in Johnson City

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Johnson City

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Johnson City Car Insurance Rates by Company

Cheap Car Insurance Companies in Johnson City, TN

Way's key takeaways about car insurance in Johnson City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Johnson City

Cheapest Liability Coverage in Johnson City, TN

Cheapest Full Coverage Car Insurance in Johnson City

Cheapest Full Coverage Car Insurance Quotes in Johnson City, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Johnson City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Johnson City, TN increasing?

Car Insurance Premiums by Age in Johnson City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Johnson City,TN

If you are in your twenties N/A is the best choice for car insurance in Johnson City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Johnson City

Cheapest Car Insurance Companies after an At-Fault Accident in Johnson City

Johnson City Car Insurance Rates by Violation

Johnson City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Johnson City after a DUI

Johnson City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Johnson City after Speeding ticket

Car Insurance Price Trends in Johnson City, Tennessee

Average Car Insurance Cost in Johnson City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Johnson City, TN

Car Insurance Rates by State in the USA (2025 Update)

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