Lake City Auto Insurance Rates, Quotes, Agents & Reviews in TN

Lake City, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lake City, 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 Lake City, 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.


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

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

Lake City Caryville Anderson County Andersonville Jacksboro La Follette
Average Insurance Rates $1,379 $1,419 $1,439 $2,058 $1,457 $1,367

Lake City, 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 Lake City, 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)
Lake City $1,436 $1,213
Norris $1,520 $1,284
Andersonville $2,120 $1,790
Anderson County $1,893 $1,599
Caryville $1,953 $1,650
Jacksboro $1,406 $1,188
Clinton $2,869 $2,423
La Follette $2,381 $2,011

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

Teenagers in Lake City, 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 $4,475
20 Years $1,772
30 Years $1,365
40 Years $1,313
50 Years $1,216
60 Years $1,233
70 Years $1,435

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

Car owners in Lake City, 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 $2,399 $359
3 Vehicles $3,599 $538
4 Vehicles $4,799 $717

Savings on 2 Vehicles bundle:$359

Savings on 3 Vehicles bundle:$538

Savings on 4 Vehicles bundle:$717


Lake City, 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 Lake City, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Lake City $1,379 $2,470
Norris $1,514 $2,712
Andersonville $2,058 $3,687
Anderson County $1,439 $2,578
Caryville $1,419 $2,542
Jacksboro $1,457 $2,610
Clinton $1,459 $2,614
La Follette $1,367 $2,449

Lake City, 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) $1,183
Excellent (740-799) $1,351
Good (670-739) $1,437
Average (580-669) $1,875
Poor (300-579) $2,249

Lake City, 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
Sparks Insurance Travelers 1316 MERCHANTS DR, KNOXVILLE, 37912 865-687-1855
C L Butcher Agency Travelers 401 HOTEL AVE, KNOXVILLE, 37918 865-689-5482
Herbie Clark State Farm 601 South Charles Seivers Blvd, Clinton, 37716 865-457-1505
David Erb Allstate 356 S Charles G Seivers Blvd, Clinton, 37716 (865) 457-0450
Harrington Insurance Travelers 3209 Garden Drive, Knoxville, 37918 None
Gary Cooper Insurance None 801 N Charles Seivers Blvd, Clinton, 37715 None
Steve Pyatt Ins Inc None 205 East Weaver Street, Clinton, 37716 None
Michael Zuker Allstate 4883 N Broadway St Ste 111, Knoxville, 37918 (865) 661-2444
Mary Beth Blake Allstate 4303 Clinton Hwy, Knoxville, 37912 (865) 299-5720
Bradley Insurance Agency Liberty Mutual Independent 5210B Schubert Rd, Knoxville, 37912 None

Lake City, 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 +$61 $1,440
Driver's Failure In Showing Documents +$134 $1,513
Driving With An Expired Registration +$142 $1,521
Driving At A Considerably Slow Pace +$299 $1,678
Using A Cellphone While Driving +$316 $1,695
Running A Red Light +$321 $1,700
Speeding +$338 $1,717
Driving A Vehicle Without The Required Permission +$429 $1,808
Driving With An Expired/Suspended License +$929 $2,308

Lake City, 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 $1,324
Active Disabling Device $1,324
Tracking Device $1,296
Passive Disabling Device $1,282