Middle Valley Auto Insurance Rates, Quotes, Agents & Reviews in TN

Middle Valley, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Middle Valley, 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 Middle Valley, 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.


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

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

Middle Valley Harrison Lakesite Hamilton County Soddy-Daisy Walden
Average Insurance Rates $1,462 $1,456 $1,508 $1,313 $1,429 $1,665

Middle Valley, 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 Middle Valley, 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)
Middle Valley $1,282 $1,083
Hamilton County $1,309 $1,106
Lakesite $1,451 $1,226
Falling Water $1,450 $1,225
Soddy-Daisy $1,966 $1,661
Harrison $1,097 $927
Mowbray Mountain $1,433 $1,210
Walden $1,305 $1,102

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

Teenagers in Middle Valley, 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 $4,744
20 Years $1,878
30 Years $1,447
40 Years $1,392
50 Years $1,289
60 Years $1,307
70 Years $1,521

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

Car owners in Middle Valley, 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 $2,544 $380
3 Vehicles $3,816 $570
4 Vehicles $5,088 $760

Savings on 2 Vehicles bundle:$380

Savings on 3 Vehicles bundle:$570

Savings on 4 Vehicles bundle:$760


Middle Valley, 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 Middle Valley, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Middle Valley $1,462 $2,619
Hamilton County $1,313 $2,352
Lakesite $1,508 $2,702
Falling Water $1,482 $2,655
Soddy-Daisy $1,429 $2,560
Harrison $1,456 $2,608
Mowbray Mountain $1,476 $2,644
Walden $1,665 $2,983

Middle Valley, 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) $1,254
Excellent (740-799) $1,432
Good (670-739) $1,523
Average (580-669) $1,988
Poor (300-579) $2,385

Middle Valley, 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
Brian Gass Farmers 6441 Bonny Oaks Dr Ste B, Chattanooga, 37416 (423) 490-9200
Donald Kane State Farm 5506 Highway 153 Ste 114, Hixson, 37343-5084 423-877-1256
River City Insurance Erie 3320 Dayton Blvd, Chattanooga, 37415 None
Kerry Smith State Farm 3501 Dayton Blvd Ste C, Chattanooga, 37415-4632 423-870-1809
Kevin J. Connolly Allstate 5251 Highway 153 Ste B, Hixson, 37343 (423) 877-6445
Ladd & Associates Travelers 5512 RINGGOLD RD STE 104, CHATTANOOGA, 37412 423-698-8790
Iroquois Service Corp Travelers 2110 NORTHPOINT BLVD, CHATTANOOGA, 37415 423-877-3536
Cook Insurance Group Llc Travelers 4616 HIXSON PIKE, HIXSON, 37343 423-870-3959
Michael Hodges Allstate 3849 Dayton Blvd Ste 105, Chattanooga, 37415 (423) 877-2587
Carriage Hill Insurance Of Chattanooga Inc Travelers 5469 HIGHWAY 58, CHATTANOOGA, 37416 423-326-0033
Tom Kolb State Farm 5466 Hixson Pike, Hixson, 37343-3249 423-843-1107
Manning Insurance Group Inc Erie 5469 HIXSON PIKE, HIXSON, 37343 423-870-9370

Middle Valley, 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 +$64 $1,526
Driver's Failure In Showing Documents +$142 $1,604
Driving With An Expired Registration +$151 $1,613
Driving At A Considerably Slow Pace +$317 $1,779
Using A Cellphone While Driving +$335 $1,797
Running A Red Light +$341 $1,803
Speeding +$358 $1,820
Driving A Vehicle Without The Required Permission +$455 $1,917
Driving With An Expired/Suspended License +$985 $2,447

Middle Valley, 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 $1,404
Active Disabling Device $1,404
Tracking Device $1,374
Passive Disabling Device $1,360