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

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

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


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

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

Obion County Union City Woodland Mills Trimble Obion Hornbeak
Average Insurance Rates $1,394 $1,394 $1,404 $1,370 $1,382 $1,367

Obion 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 Obion 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)
Obion County $1,453 $1,228
Troy $1,353 $1,143
Rives $1,886 $1,593
Obion $1,400 $1,182
Union City $1,480 $1,250
Hornbeak $1,551 $1,310
Woodland Mills $1,420 $1,200
Trimble $1,371 $1,158

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

Teenagers in Obion 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 $4,523
20 Years $1,791
30 Years $1,380
40 Years $1,327
50 Years $1,229
60 Years $1,246
70 Years $1,451

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

Car owners in Obion 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 $2,426 $362
3 Vehicles $3,638 $544
4 Vehicles $4,851 $725

Savings on 2 Vehicles bundle:$362

Savings on 3 Vehicles bundle:$544

Savings on 4 Vehicles bundle:$725


Obion 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 Obion County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Obion County $1,394 $2,497
Troy $1,393 $2,495
Rives $1,371 $2,456
Obion $1,382 $2,476
Union City $1,394 $2,497
Hornbeak $1,367 $2,449
Woodland Mills $1,404 $2,515
Trimble $1,370 $2,454

Obion 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) $1,196
Excellent (740-799) $1,365
Good (670-739) $1,453
Average (580-669) $1,895
Poor (300-579) $2,274

Obion 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
Chris Williams State Farm 602 S 1st St, Union City, 38261-4829 731-885-4433
Phyllis Edwards State Farm 1705 W Reelfoot Ave, Union City, 38261-5569 731-885-2971
White & Assoc Union Allstate 707 S 1st St, Union City, 38261 (731) 885-2599
King & Associates Insurance Llc Erie 413 Perkins Street, Union City, 38261 None
White & Assoc/First Citizens Liberty Mutual Independent 707 S 1ST ST, UNION CITY, 38261 (731) 885-2599
Ebbco Insurance Agency Llc Travelers 2797 N HIGHLAND AVE, JACKSON, 38305 731-984-7372

Obion 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 +$61 $1,455
Driver's Failure In Showing Documents +$135 $1,529
Driving With An Expired Registration +$144 $1,538
Driving At A Considerably Slow Pace +$302 $1,696
Using A Cellphone While Driving +$319 $1,713
Running A Red Light +$325 $1,719
Speeding +$342 $1,736
Driving A Vehicle Without The Required Permission +$434 $1,828
Driving With An Expired/Suspended License +$940 $2,334

Obion 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 $1,338
Active Disabling Device $1,338
Tracking Device $1,310
Passive Disabling Device $1,296