Oak Grove Auto Insurance Rates, Quotes, Agents & Reviews in TN

Oak Grove, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oak Grove, 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 Oak Grove, 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.


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

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

Oak Grove Spurgeon Watauga Kingsport Gray Bluff City
Average Insurance Rates $1,472 $1,453 $1,401 $998 $1,444 $1,414

Oak Grove, 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 Oak Grove, 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)
Oak Grove $1,027 $867
Spurgeon $2,167 $1,830
Gray $2,837 $2,396
Colonial Heights $2,833 $2,393
Johnson City $2,210 $1,867
Watauga $1,445 $1,221
Bluff City $1,174 $992
Kingsport $1,089 $920

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

Teenagers in Oak Grove, 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 $4,776
20 Years $1,891
30 Years $1,457
40 Years $1,402
50 Years $1,298
60 Years $1,316
70 Years $1,532

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

Car owners in Oak Grove, 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 $2,502 $442
3 Vehicles $3,754 $662
4 Vehicles $5,005 $883

Savings on 2 Vehicles bundle:$442

Savings on 3 Vehicles bundle:$662

Savings on 4 Vehicles bundle:$883


Oak Grove, 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 Oak Grove, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Oak Grove $1,472 $2,637
Spurgeon $1,453 $2,603
Gray $1,444 $2,587
Colonial Heights $1,442 $2,583
Johnson City $1,313 $2,352
Watauga $1,401 $2,510
Bluff City $1,414 $2,533
Kingsport $998 $1,788

Oak Grove, 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) $1,263
Excellent (740-799) $1,442
Good (670-739) $1,534
Average (580-669) $2,001
Poor (300-579) $2,401

Oak Grove, 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
Harold Dishner State Farm 1207 N Roan St Ste 1, Johnson City, 37601-3974 423-926-6000
David Pendleton & Associates Erie 1301 Moreland Drive, Kingsport, 37663 None
Jones Insurance Service Erie 2112 N ROAN ST STE 706, JOHNSON CITY, 37601 423-282-9339
Insurance Management Group Liberty Mutual Independent 119 BOONE RIDGE DR STE 404, JOHNSON CITY, 37615 423-282-8888
Buckles Group Allstate 4012 N Roan St, Johnson City, 37601 (423) 929-0181
Price & Ramey, Inc. None 1524 Bridgewater Ln Ste 101, Kingsport, 37660 None
William George Yates Nationwide 108 Springbrook Dr, Johnson City, 37604-1757 (423) 283-7283
Larry O. Treadway Nationwide 1604 Lamons Ln Apple Tree Il, Johnson City, 37604 (423) 929-8228
Jeff Barger Insurance Group Travelers 106 FERRELL AVE SUITE 6, KINGSPORT, 37663 423-239-8200
Nate Vaughn State Farm 2627 E Center St, Kingsport, 37664-2795 423-246-1739

Oak Grove, 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 +$65 $1,537
Driver's Failure In Showing Documents +$143 $1,615
Driving With An Expired Registration +$152 $1,624
Driving At A Considerably Slow Pace +$319 $1,791
Using A Cellphone While Driving +$337 $1,809
Running A Red Light +$343 $1,815
Speeding +$361 $1,833
Driving A Vehicle Without The Required Permission +$458 $1,930
Driving With An Expired/Suspended License +$992 $2,464

Oak Grove, 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 $1,413
Active Disabling Device $1,413
Tracking Device $1,384
Passive Disabling Device $1,369