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

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

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


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

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

Madisonville Niota Vonore Monroe County Tellico Plains Englewood
Average Insurance Rates $1,421 $1,397 $1,450 $1,421 $1,398 $1,389

Madisonville, 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 Madisonville, 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)
Madisonville $1,623 $1,371
Sweetwater $2,471 $2,087
Monroe County $2,473 $2,089
Vonore $1,996 $1,686
Englewood $2,718 $2,296
Niota $1,684 $1,422
Philadelphia $1,123 $948
Tellico Plains $1,952 $1,649

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

Teenagers in Madisonville, 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 $4,611
20 Years $1,826
30 Years $1,406
40 Years $1,353
50 Years $1,253
60 Years $1,270
70 Years $1,479

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

Car owners in Madisonville, 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 $2,473 $369
3 Vehicles $3,709 $554
4 Vehicles $4,945 $739

Savings on 2 Vehicles bundle:$369

Savings on 3 Vehicles bundle:$554

Savings on 4 Vehicles bundle:$739


Madisonville, 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 Madisonville, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Madisonville $1,421 $2,546
Sweetwater $1,419 $2,542
Monroe County $1,421 $2,546
Vonore $1,450 $2,598
Englewood $1,389 $2,488
Niota $1,397 $2,503
Philadelphia $1,397 $2,503
Tellico Plains $1,398 $2,504

Madisonville, 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) $1,219
Excellent (740-799) $1,392
Good (670-739) $1,481
Average (580-669) $1,932
Poor (300-579) $2,318

Madisonville, 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
Pamela Clark State Farm 746 Highway 68, Sweetwater, 37874-1907 423-337-3322
Pat Pennington State Farm 153 Warren St, Madisonville, 37354-3001 423-442-3200
The Johnson Agency None 300 Main St, Madisonville, 37354 None
Donald Donnie Gaddis Farmers 416 Congress Pkwy N Ste 200, Athens, 37303 (423) 252-0004
Full Line Insurance Agency Travelers 1432 E LEE HWY, LOUDON, 37774 865-458-2035
Sue Anderson State Farm 695 Highway 68 Ste B, Sweetwater, 37874-1911 423-337-4467
Cindy Doyle State Farm 248 N Peters Rd Ste 4, Knoxville, 37923-4925 865-690-6300
Shawn Wandell Farmers 6515 Clinton Hwy Ste 214, Knoxville, 37912 (865) 804-8057
Sparks Insurance Travelers 3966 HIGHWAY 411, MADISONVILLE, 37354 423-442-2423
Crossroads Insurance Agency Travelers 3214 TAZEWELL PIKE, KNOXVILLE, 37918 865-689-8486

Madisonville, 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 $1,484
Driver's Failure In Showing Documents +$138 $1,559
Driving With An Expired Registration +$146 $1,567
Driving At A Considerably Slow Pace +$308 $1,729
Using A Cellphone While Driving +$325 $1,746
Running A Red Light +$331 $1,752
Speeding +$348 $1,769
Driving A Vehicle Without The Required Permission +$442 $1,863
Driving With An Expired/Suspended License +$958 $2,379

Madisonville, 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 $1,364
Active Disabling Device $1,364
Tracking Device $1,336
Passive Disabling Device $1,322