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

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

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


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

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

Jefferson County Baneberry Dandridge Jefferson City New Market Fairgarden
Average Insurance Rates $1,441 $1,530 $1,469 $1,419 $1,421 $1,440

Jefferson 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 Jefferson 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)
Jefferson County $1,651 $1,395
Dandridge $1,428 $1,206
Jefferson City $1,698 $1,435
New Market $1,046 $884
Baneberry $1,835 $1,550
White Pine $1,040 $879
Fairgarden $1,434 $1,211
Sevierville $1,673 $1,413

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

Teenagers in Jefferson 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 $4,676
20 Years $1,852
30 Years $1,426
40 Years $1,372
50 Years $1,271
60 Years $1,288
70 Years $1,500

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

Car owners in Jefferson 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 $2,479 $403
3 Vehicles $3,718 $605
4 Vehicles $4,957 $807

Savings on 2 Vehicles bundle:$403

Savings on 3 Vehicles bundle:$605

Savings on 4 Vehicles bundle:$807


Jefferson 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 Jefferson County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Jefferson County $1,441 $2,581
Dandridge $1,469 $2,632
Jefferson City $1,419 $2,542
New Market $1,421 $2,546
Baneberry $1,530 $2,741
White Pine $1,421 $2,546
Fairgarden $1,440 $2,580
Sevierville $1,476 $2,644

Jefferson 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) $1,236
Excellent (740-799) $1,411
Good (670-739) $1,502
Average (580-669) $1,959
Poor (300-579) $2,350

Jefferson County, 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
Barnes Insurance Agency Inc Liberty Mutual Independent 190 COMMUNITY CENTER DR, PIGEON FORGE, 37863 (865) 908-5000
Gantte Insurance Agency Travelers 1205 GAY ST STE B, DANDRIDGE, 37725 865-397-2845
Burchfiel-Overbay & Associates Erie 154 N Henderson Ave, Sevierville, 37862 None
Hugh Cate Insurance Agency Erie 805 East Jefferson Street, Jefferson City, 37760 None
H B Jarnagin & Co Travelers 141 E MAIN ST, DANDRIDGE, 37725 865-397-3421
Hb Jarnagin And Company Inc Travelers 141 EAST MAIN ST, DANDRIDGE, 37725 865-397-3421
Doug Nichols State Farm 5724 Western Avenue, Knoxville, 37921-2224 865-588-0106

Jefferson 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 +$63 $1,504
Driver's Failure In Showing Documents +$140 $1,581
Driving With An Expired Registration +$148 $1,589
Driving At A Considerably Slow Pace +$313 $1,754
Using A Cellphone While Driving +$330 $1,771
Running A Red Light +$336 $1,777
Speeding +$353 $1,794
Driving A Vehicle Without The Required Permission +$448 $1,889
Driving With An Expired/Suspended License +$971 $2,412

Jefferson 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 $1,383
Active Disabling Device $1,383
Tracking Device $1,355
Passive Disabling Device $1,340