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

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

Zimlon, through its research, found that car owners in Gray, 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 Gray, 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.


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

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

Gray Johnson City Kingsport Oak Grove Colonial Heights Jonesborough
Average Insurance Rates $1,444 $1,313 $998 $1,472 $1,442 $1,460

Gray, 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 Gray, 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)
Gray $2,837 $2,396
Spurgeon $2,167 $1,830
Oak Grove $1,027 $867
Colonial Heights $2,833 $2,393
Johnson City $2,210 $1,867
Kingsport $1,089 $920
Fall Branch $1,375 $1,161
Jonesborough $1,280 $1,081

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

Teenagers in Gray, 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 $4,686
20 Years $1,855
30 Years $1,429
40 Years $1,375
50 Years $1,273
60 Years $1,291
70 Years $1,503

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

Car owners in Gray, 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 $2,455 $433
3 Vehicles $3,682 $650
4 Vehicles $4,910 $866

Savings on 2 Vehicles bundle:$433

Savings on 3 Vehicles bundle:$650

Savings on 4 Vehicles bundle:$866


Gray, 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 Gray, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Gray $1,444 $2,587
Spurgeon $1,453 $2,603
Oak Grove $1,472 $2,637
Colonial Heights $1,442 $2,583
Johnson City $1,313 $2,352
Kingsport $998 $1,788
Fall Branch $1,423 $2,549
Jonesborough $1,460 $2,616

Gray, 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) $1,239
Excellent (740-799) $1,414
Good (670-739) $1,505
Average (580-669) $1,963
Poor (300-579) $2,355

Gray, 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
William Bartra Farmers 101 E Unaka Ave Ste 7, Johnson City, 37601 (423) 928-3276
Jones Insurance Service Erie 2112 N ROAN ST STE 706, JOHNSON CITY, 37601 423-282-9339
Jones Insurance Service Erie 2112 N ROAN ST STE 706, JOHNSON CITY, 37601 423-282-9339
Mark Tallent State Farm 701 N St Franklin Rd Ste 6, Johnson City, 37604-3645 423-926-7193
Ron Mathews State Farm 1417 Warpath Dr, Kingsport, 37664-3333 423-246-4241
William George Yates Nationwide 1475 E Center St, Kingsport, 37664-2501 (423) 247-1123
Buchanan Insurance Agency Inc Travelers 198 SUNCREST ST, GRAY, 37615 423-477-2021
Buchanan Insurance Agency Inc Travelers 198 SUNCREST ST, GRAY, 37615 423-477-2021
Home Run Insurance Erie 4704 N Roan Street Suite 4, Johnson City, 37615 None
Robert E Kerns Ii State Farm 901 E Center Street, Kingsport, 37660-4948 423-246-8991

Gray, 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 +$64 $1,508
Driver's Failure In Showing Documents +$140 $1,584
Driving With An Expired Registration +$149 $1,593
Driving At A Considerably Slow Pace +$313 $1,757
Using A Cellphone While Driving +$331 $1,775
Running A Red Light +$336 $1,780
Speeding +$354 $1,798
Driving A Vehicle Without The Required Permission +$449 $1,893
Driving With An Expired/Suspended License +$973 $2,417

Gray, 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 $1,386
Active Disabling Device $1,386
Tracking Device $1,357
Passive Disabling Device $1,343