Jackson County Auto Insurance Rates, Quotes, Agents & Reviews in TN

Jackson County, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Jackson County, 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 Jackson County, 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.


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

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

Jackson County Gainesboro Clay County Smith County Dodson Branch Red Boiling Springs
Average Insurance Rates $1,413 $1,391 $1,397 $1,426 $1,417 $1,384

Jackson County, 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 Jackson County, 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)
Jackson County $1,945 $1,643
Gainesboro $1,432 $1,209
Dodson Branch $1,400 $1,182
Baxter $1,201 $1,014
Clay County $1,950 $1,647
Red Boiling Springs $1,421 $1,201
Celina $1,315 $1,111
Smith County $1,490 $1,259

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

Teenagers in Jackson County, 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 $4,585
20 Years $1,816
30 Years $1,398
40 Years $1,345
50 Years $1,246
60 Years $1,263
70 Years $1,471

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

Car owners in Jackson County, 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 $2,402 $424
3 Vehicles $3,603 $636
4 Vehicles $4,804 $848

Savings on 2 Vehicles bundle:$424

Savings on 3 Vehicles bundle:$636

Savings on 4 Vehicles bundle:$848


Jackson County, 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 Jackson County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Jackson County $1,413 $2,531
Gainesboro $1,391 $2,492
Dodson Branch $1,417 $2,538
Baxter $1,415 $2,535
Clay County $1,397 $2,503
Red Boiling Springs $1,384 $2,479
Celina $1,407 $2,521
Smith County $1,426 $2,555

Jackson County, 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) $1,212
Excellent (740-799) $1,384
Good (670-739) $1,472
Average (580-669) $1,921
Poor (300-579) $2,305

Jackson County, 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 $1,475
Driver's Failure In Showing Documents +$137 $1,550
Driving With An Expired Registration +$146 $1,559
Driving At A Considerably Slow Pace +$307 $1,720
Using A Cellphone While Driving +$324 $1,737
Running A Red Light +$329 $1,742
Speeding +$346 $1,759
Driving A Vehicle Without The Required Permission +$439 $1,852
Driving With An Expired/Suspended License +$952 $2,365

Jackson County, 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 $1,356
Active Disabling Device $1,356
Tracking Device $1,328
Passive Disabling Device $1,314