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

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

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


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

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

Huntsville Winfield Elgin Sunbright Robbins Helenwood
Average Insurance Rates $1,418 $1,390 $1,397 $1,412 $1,371 $1,458

Huntsville, 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 Huntsville, 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)
Huntsville $1,332 $1,125
Scott County $1,620 $1,369
Helenwood $1,313 $1,109
Robbins $1,453 $1,228
Oneida $2,747 $2,320
Elgin $1,082 $914
Winfield $1,370 $1,157
Sunbright $1,501 $1,268

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

Teenagers in Huntsville, 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 $4,601
20 Years $1,822
30 Years $1,403
40 Years $1,350
50 Years $1,250
60 Years $1,268
70 Years $1,476

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

Car owners in Huntsville, 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 $2,496 $340
3 Vehicles $3,744 $510
4 Vehicles $4,991 $681

Savings on 2 Vehicles bundle:$340

Savings on 3 Vehicles bundle:$510

Savings on 4 Vehicles bundle:$681


Huntsville, 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 Huntsville, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Huntsville $1,418 $2,540
Scott County $1,393 $2,495
Helenwood $1,458 $2,612
Robbins $1,371 $2,456
Oneida $1,403 $2,513
Elgin $1,397 $2,503
Winfield $1,390 $2,490
Sunbright $1,412 $2,530

Huntsville, 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) $1,217
Excellent (740-799) $1,389
Good (670-739) $1,478
Average (580-669) $1,928
Poor (300-579) $2,313

Huntsville, 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
Roger Baldwin State Farm 20291 Alberta St, Oneida, 37841-3506 423-569-4363
Deanna Coulter State Farm 7809 Montvue Center Way, Knoxville, 37919 865-690-0802
Dale Skidmore Allstate 10816 Kingston Pike, Knoxville, 37934 (865) 321-8142
Herron Connell Insurance Liberty Mutual Independent 550 OAK RIDGE TPKE STE A, OAK RIDGE, 37830 (865) 483-4314
Herron Connell Insurance Liberty Mutual Independent 550 OAK RIDGE TPKE STE A, OAK RIDGE, 37830 (865) 483-4314
Gary Farmer Lutcf Farmers 243 S Peters Rd, Knoxville, 37923 (865) 470-8065
Donald E. Bolen Nationwide 7423 S Northshore Dr, Knoxville, 37919-8823 (865) 531-5940
Phil Nichols State Farm 7043 Maynardville Pike Ste 16, Knoxville, 37918-5743 865-922-9711
Guthe Insurance Liberty Mutual Independent 5401 KINGSTON PIKE STE 185, KNOXVILLE, 37919 (865) 330-9656

Huntsville, 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 +$62 $1,480
Driver's Failure In Showing Documents +$138 $1,556
Driving With An Expired Registration +$146 $1,564
Driving At A Considerably Slow Pace +$308 $1,726
Using A Cellphone While Driving +$325 $1,743
Running A Red Light +$330 $1,748
Speeding +$347 $1,765
Driving A Vehicle Without The Required Permission +$441 $1,859
Driving With An Expired/Suspended License +$956 $2,374

Huntsville, 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 $1,361
Active Disabling Device $1,361
Tracking Device $1,333
Passive Disabling Device $1,319