Roan Mountain Auto Insurance Rates, Quotes, Agents & Reviews in TN

Roan Mountain, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Roan Mountain, 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 Roan Mountain, 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.


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

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

Roan Mountain Heaton Minneapolis Cranberry Roaring Creek Frank
Average Insurance Rates $1,394 $1,233 $1,052 $1,212 $1,005 $953

Roan Mountain, 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 Roan Mountain, 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)
Roan Mountain $1,683 $1,422
Elk Park $1,235 $1,043
Minneapolis $2,163 $1,827
Cranberry $1,400 $1,182
Roaring Creek $2,440 $2,061
Carter County $1,471 $1,242
Heaton $1,389 $1,174
Frank $1,083 $914

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

Teenagers in Roan Mountain, 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

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

Car owners in Roan Mountain, 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 $2,453 $335
3 Vehicles $3,680 $502
4 Vehicles $4,907 $669

Savings on 2 Vehicles bundle:$335

Savings on 3 Vehicles bundle:$502

Savings on 4 Vehicles bundle:$669


Roan Mountain, 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 Roan Mountain, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Roan Mountain $1,394 $2,497
Elk Park $951 $3,900
Minneapolis $1,052 $4,315
Cranberry $1,212 $4,971
Roaring Creek $1,005 $4,122
Carter County $1,420 $2,544
Heaton $1,233 $5,057
Frank $953 $3,909

Roan Mountain, 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

Roan Mountain, 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
Jackee Taylor Johnston State Farm 1000 W G St, Elizabethton, 37643-2959 423-542-2168
Brian Poston State Farm 1072 N Main Ave Ste 4, Erwin, 37650-1575 423-743-3311
William Bartra Farmers 101 E Unaka Ave Ste 7, Johnson City, 37601 (423) 928-3276
Beatrice Montgomery Farmers 527 E ELK AVE STE 2, Elizabethton, 37643 (423) 547-0811
Laws-Troutman Insurance None 626 E Elk Ave, Elizabethton, 37643 None
Randall Clell Ratliff Ii Agency Nationwide 1210 N Roan St STE 3, Johnson City, 37601 (423) 929-1666
Alexander Ins Agcy Inc Travelers 612 E ELK AVE, ELIZABETHTON, 37643 423-543-2221
Nash & Powers Insurance Company Inc Liberty Mutual Independent 640 State St, BRISTOL, 37620 (423) 764-2700

Roan Mountain, 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

Roan Mountain, 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