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

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

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


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

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

Harrogate Tazewell Kentucky Ridge New Tazewell Cumberland Gap Middlesborough
Average Insurance Rates $1,428 $1,399 $1,830 $1,410 $1,452 $1,878

Harrogate, 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 Harrogate, 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)
Harrogate $1,471 $1,242
Cumberland Gap $1,526 $1,289
Claiborne County $2,138 $1,806
Middlesborough $1,226 $1,035
Tazewell $1,626 $1,374
New Tazewell $1,426 $1,204
Bell County $1,386 $1,171
Kentucky Ridge $1,579 $1,334

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

Teenagers in Harrogate, 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 $4,634
20 Years $1,835
30 Years $1,413
40 Years $1,360
50 Years $1,259
60 Years $1,277
70 Years $1,486

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

Car owners in Harrogate, 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 $2,485 $371
3 Vehicles $3,727 $557
4 Vehicles $4,969 $743

Savings on 2 Vehicles bundle:$371

Savings on 3 Vehicles bundle:$557

Savings on 4 Vehicles bundle:$743


Harrogate, 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 Harrogate, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Harrogate $1,428 $2,558
Cumberland Gap $1,452 $2,601
Claiborne County $1,409 $2,524
Middlesborough $1,878 $3,127
Tazewell $1,399 $2,506
New Tazewell $1,410 $2,526
Bell County $1,847 $3,075
Kentucky Ridge $1,830 $3,047

Harrogate, 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) $1,225
Excellent (740-799) $1,399
Good (670-739) $1,488
Average (580-669) $1,941
Poor (300-579) $2,329

Harrogate, 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
Matt Compton State Farm 2255 Highway 25E Ste 1, Tazewell, 37879-3857 423-626-7241
Whitaker Insurance Erie 1508 N Broad Street, Tazewell, 37879 None
Joe Fain State Farm 405 Broad Street, New Tazewell, 37825 423-626-3221
Arning Insurance Agency Travelers 618 SOUTH GAY ST STE 100, KNOXVILLE, 37902 865-637-1403
Tri State Ins Services Inc Travelers 101 N BROAD ST STE 4, NEW TAZEWELL, 37825 423-626-0200
Jerry Monkus Clu, Chfc State Farm 7090 Kingston Pike, Knoxville, 37919-5712 865-588-1811
Orville Reagan Jr Farmers 507 Dolly Parton Pkwy, Sevierville, 37862 (865) 429-3239
Mutual Insurance Agency Inc Liberty Mutual Independent 200 WEST FIFTH AVE, KNOXVILLE, 37917 865-524-3607

Harrogate, 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 $1,491
Driver's Failure In Showing Documents +$139 $1,567
Driving With An Expired Registration +$147 $1,575
Driving At A Considerably Slow Pace +$310 $1,738
Using A Cellphone While Driving +$327 $1,755
Running A Red Light +$333 $1,761
Speeding +$350 $1,778
Driving A Vehicle Without The Required Permission +$444 $1,872
Driving With An Expired/Suspended License +$962 $2,390

Harrogate, 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 $1,371
Active Disabling Device $1,371
Tracking Device $1,342
Passive Disabling Device $1,328