Charleston Auto Insurance Rates, Quotes, Agents & Reviews in TN

Charleston, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Charleston, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Charleston, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Charleston, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Charleston, TN with that of other cities in and around Charleston.

Charleston Hopewell Bradley County Riceville Calhoun Benton
Average Insurance Rates $1,424 $1,451 $1,454 $1,405 $1,396 $1,406

Charleston, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Charleston, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Charleston $1,655 $1,398
Calhoun $1,601 $1,352
Riceville $1,703 $1,438
Hopewell $1,115 $942
Cleveland $2,546 $2,151
Benton $1,476 $1,247
East Cleveland $1,435 $1,212
Bradley County $1,688 $1,426

Charleston, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Charleston, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,621
20 Years $1,830
30 Years $1,409
40 Years $1,356
50 Years $1,256
60 Years $1,273
70 Years $1,482

Charleston, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Charleston, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,478 $370
3 Vehicles $3,717 $555
4 Vehicles $4,956 $740

Savings on 2 Vehicles bundle:$370

Savings on 3 Vehicles bundle:$555

Savings on 4 Vehicles bundle:$740

Charleston, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Charleston, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Charleston $1,424 $2,551
Calhoun $1,396 $2,501
Riceville $1,405 $2,517
Hopewell $1,451 $2,599
Cleveland $1,111 $1,990
Benton $1,406 $2,519
East Cleveland $1,368 $2,451
Bradley County $1,454 $2,605

Charleston, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,222
Excellent (740-799) $1,395
Good (670-739) $1,484
Average (580-669) $1,936
Poor (300-579) $2,323

Charleston, TN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Ocoee Insurance Services Travelers 200 HARLE AVE NW, CLEVELAND, 37311 423-476-5204
The Hill Agency Erie 149 County Road 741, Riceville, 37370 None
Allyson Leah Hannah Agency Nationwide 3535 Keith St NW, Cleveland, 37312 (423) 476-7587
Kristi Terrell Farmers 1011 Keith St NW Ste 2, Cleveland, 37311 (423) 390-8526
Hugh Walker State Farm 188 Old Mouse Creek Rd NW, Cleveland, 37312-3835 423-476-9177
Dusty Mcintyre Liberty Mutual 1206 Pointe Center Drive Suite 170, Chattanooga, 37421 1-423-894-1237
Dickey Mccay Insurance Inc. Travelers 146 Ocoee Street, Copperhill, 37317 (423) 496-3366
Scott Prather Ins Agency Llc Travelers 2328 C GEORGETOWN RD, CLEVELAND, 37311 423-476-4584

Charleston, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,487
Driver's Failure In Showing Documents +$138 $1,562
Driving With An Expired Registration +$147 $1,571
Driving At A Considerably Slow Pace +$309 $1,733
Using A Cellphone While Driving +$326 $1,750
Running A Red Light +$332 $1,756
Speeding +$349 $1,773
Driving A Vehicle Without The Required Permission +$443 $1,867
Driving With An Expired/Suspended License +$960 $2,384

Charleston, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,367
Active Disabling Device $1,367
Tracking Device $1,339
Passive Disabling Device $1,324