Cheapest Car Insurance Quotes in Kingsport

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Kingsport Car Insurance

^$ 20

/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 Kingsport

The car insurance rate in Kingsport is $755 for a six-month policy, which is $123 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Kingsport 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 Kingsport

$755

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Kingsport

1st place: AutoOwners Insurance Co

At $368 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 $388 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 $414 for six months, making it the third cheapest auto insurance company in Kingsport.

Kingsport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kingsport, TN is AutoOwners Insurance Co, offering policies at just $368 for a six-month term. This is followed by Westfield, which has an average six-month premium of $388.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1241 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kingsport drivers find the best deals.

Cheap Car Insurance Companies in Kingsport, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$63
Westfield	$388	$65
Tennessee Farm Bureau	$414	$71
Erie	$577	$97
Travelers	$603	$101
USAA	$654	$110
Grange	$710	$120
Farm Bureau of Tennessee	$735	$123
Auto-Owners	$756	$128
Farmers	$817	$138
Tennessee Farmers	$822	$140
Penn National	$889	$148
Nationwide	$986	$168
State Farm	$996	$168
Progressive	$1134	$191
Allstate	$1241	$207

Key Takeaways

Way's key takeaways about car insurance in Kingsport

The auto insurance costs in Kingsport fall around $368 for six months.
The cheapest auto insurance company in Kingsport is Westfield.
Teen drivers pay the highest rate in Kingsport at $773 per month.

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Cheapest Minimum Liability Car Insurance in Kingsport

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 Kingsport are given below.

Westfield provides the cheapest minimum car insurance coverage in Kingsport. Their Average 6 Month Premium is $118. Allstate is the most expensive at $414 for the same period.

Cheapest Liability Coverage in Kingsport, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$118	$20
Auto-Owners Insurance Co	$138	$23
Tennessee Farm Bureau	$143	$24
Farm Bureau of Tennessee	$148	$25
Tennessee Farmers	$169	$28
USAA	$169	$28
Cincinnati	$174	$29
Erie	$194	$33
Travelers	$194	$33
Penn National	$210	$35
Auto-Owners	$219	$37
Farmers	$240	$40
State Farm	$250	$42
Progressive	$281	$47
Allstate	$414	$70

Cheapest Full Coverage Car Insurance in Kingsport

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 Kingsport is AutoOwners Insurance Co at $63 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kingsport, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$63
Westfield	$388	$65
Tennessee Farm Bureau	$414	$71
Erie	$577	$97
Travelers	$603	$101
USAA	$654	$110
Grange	$710	$120
Farm Bureau of Tennessee	$735	$123
Auto-Owners	$756	$128
Farmers	$817	$138
Tennessee Farmers	$822	$140
Penn National	$889	$148
Nationwide	$986	$168
State Farm	$996	$168
Progressive	$1134	$191
Allstate	$1241	$207

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Average Car Insurance in Kingsport 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 Kingsport, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Kingsport, 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, Kingsport's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Kingsport

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 Kingsport,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Kingsport at $23 per month. At $4547 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
Tennessee Farm Bureau	$194	$33
Auto-Owners Insurance Co	$205	$34
Grange	$219	$37
Cincinnati	$224	$38
Erie	$756	$127
USAA	$756	$127
Travelers	$797	$134
State Farm	$1206	$203
Farmers	$1379	$232
Progressive	$2038	$343
Auto-Owners	$2620	$437
Allstate	$4547	$773

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 Kingsport, Tennessee Farm Bureau is the cheapest car insurance provider. At $163 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 Kingsport is State Farm, offering rates of around $4281 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$163	$28
Westfield	$214	$36
Grange	$255	$43
Cincinnati	$301	$52
Travelers	$766	$129
Farmers	$884	$149
USAA	$904	$151
Progressive	$1017	$171
Erie	$1037	$175
Auto-Owners	$1998	$340
Allstate	$2161	$360
State Farm	$4281	$728

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Save up to $971/yr on car insurance rates in Kingsport.

Car Insurance Rates with An Accident in Kingsport

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 Kingsport, TN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kingsport

The cheapest car insurance companies after an at-fault accident in Kingsport include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $143 and $148, respectively. Allstate is an expensive provider with an average six-month premium of $2478.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$143	$24
Farm Bureau of Tennessee	$148	$25
Westfield	$200	$34
Auto-Owners Insurance Co	$255	$44
Grange	$276	$46
Travelers	$424	$71
Erie	$465	$78
USAA	$475	$80
State Farm	$506	$85
Farmers	$577	$97
Progressive	$884	$149
Auto-Owners	$1287	$219
Allstate	$2478	$413

Kingsport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kingsport TN. For example, the car insurance in Kingsport after a DUI increases to $853 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Kingsport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$142
Not-at-fault accident	$858	$146
One Med/PIP claim	$863	$144
One comp claim	$874	$149
Two comp claims	$884	$147
Two Med/PIP claims	$884	$151
Failure to wear a seat belt	$980	$163
Failure to show documents	$996	$169
Child safety restraint	$1001	$167
Driving without lights	$1001	$170
Cell phone violation	$1017	$169
Driving with expired registration	$1017	$173
Speeding 6 - 10 MPH over limit	$1017	$169
Driving too slowly	$1022	$174
Speeding 11 - 15 MPH over limit	$1022	$170
Speeding in school zone	$1022	$174
Failure to yield	$1027	$171
Following too closely	$1027	$175
Illegal turn	$1027	$171
Speeding 16 - 20 MPH over limit	$1027	$175
Texting while driving	$1027	$171
Improper passing	$1037	$176
Wrong way/wrong lane	$1037	$173
Failure to stop at a red light	$1042	$177
In 65 MPH zone	$1058	$176
Speeding 21 - 25 MPH over limit	$1083	$184
At-fault accident - less than $1000	$1098	$183
Passing school bus	$1098	$187
Operating a vehicle without permission	$1164	$194
Open container	$1175	$200
At-fault accident - $1000-$2000	$1267	$212
At-fault accident - greater than $2000	$1267	$215
Reckless driving	$1599	$267
Racing	$1604	$273
Driving with a suspended license	$1645	$274
Refusal to submit to a chemical test	$1675	$285
DUI	$1706	$285
Leaving scene of an accident/hit and run	$1706	$290

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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 Kingsport 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 Kingsport.

The cheapest car insurance premiums in Kingsport are offered by Tennessee Farm Bureau at $224 for a six-month policy. However, it can be as expensive as $1798 with companies like AutoOwners.

Kingsport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$224	$38
Grange	$347	$58
Travelers	$593	$100
Farmers	$679	$114
USAA	$808	$136
Erie	$838	$141
Progressive	$843	$142
Tennessee Farmers	$991	$165
State Farm	$1001	$169
Allstate	$1538	$259
Auto-Owners	$1798	$306

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 Kingsport are offered by Westfield at $138. However, it can be as expensive as $1814 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kingsport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
Tennessee Farm Bureau	$143	$24
Auto-Owners Insurance Co	$200	$34
Cincinnati	$210	$35
Chubb	$230	$39
Erie	$495	$83
Travelers	$587	$99
USAA	$603	$102
State Farm	$654	$110
Auto-Owners	$756	$128
Progressive	$945	$159
Farmers	$1287	$219
Allstate	$1814	$302

Car Insurance Price Trends in Kingsport, Tennessee

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

The average cost of full coverage in the Kingsport rose by $150 in January compared to $83 of December. In other words, there has been an increase by $67 when you compare January and December.

The average cost of liability insurance in the Kingsport rose to $36 in January, compared to $32 in December. This represents an increase of $4 when comparing January and December.

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Average Car Insurance Cost in Kingsport 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 Kingsport. At $1094 for a six-month policy, insuring your car at 37660 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
37660	$1094	$184
37663	$875	$147
37664	$989	$166
37665	$800	$134

Frequently Asked Questions

How much is car insurance in Kingsport?

The car insurance in Kingsport is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Kingsport?

The cheapest car insurance in Kingsport is $63 per month for full coverage.

How much is car insurance in Kingsport for teenagers?

Car insurance for teenagers costs $138 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 Kingsport?

The average cost of car insurance is $878 for a six-month policy. It will cost around $127 per month to insure your car in Kingsport.

Is car insurance expensive in Kingsport?

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

Cheapest Car Insurance Quotes in Kingsport

Why you can trust Way?

How Much Is Car Insurance in Kingsport

Avg. Car Insurance in Kingsport

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Kingsport

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Kingsport Car Insurance Rates by Company

Cheap Car Insurance Companies in Kingsport, TN

Way's key takeaways about car insurance in Kingsport

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kingsport

Cheapest Liability Coverage in Kingsport, TN

Cheapest Full Coverage Car Insurance in Kingsport

Cheapest Full Coverage Car Insurance Quotes in Kingsport, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kingsport by Rating Factor

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

Car Insurance Premiums by Age in Kingsport

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kingsport,TN

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

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 Kingsport

Cheapest Car Insurance Companies after an At-Fault Accident in Kingsport

Kingsport Car Insurance Rates by Violation

Kingsport auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kingsport after a DUI

Kingsport car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kingsport after Speeding ticket

Car Insurance Price Trends in Kingsport, Tennessee

Average Car Insurance Cost in Kingsport by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kingsport, TN

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

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