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

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

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

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Roane 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.


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

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

Roane County Harriman Kingston Oakdale Loudon Rockwood
Average Insurance Rates $1,440 $1,392 $1,453 $1,383 $1,411 $1,383

Roane 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 Roane 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)
Roane County $1,306 $1,103
Kingston $1,117 $943
Midtown $2,709 $2,288
Harriman $1,384 $1,169
Rockwood $1,172 $990
Oakdale $1,539 $1,300
Loudon $1,274 $1,076
Coalfield $1,461 $1,234

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

Teenagers in Roane 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 $4,673
20 Years $1,850
30 Years $1,425
40 Years $1,371
50 Years $1,270
60 Years $1,287
70 Years $1,499

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

Car owners in Roane 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 $2,448 $432
3 Vehicles $3,672 $648
4 Vehicles $4,896 $864

Savings on 2 Vehicles bundle:$432

Savings on 3 Vehicles bundle:$648

Savings on 4 Vehicles bundle:$864


Roane 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 Roane County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Roane County $1,440 $2,580
Kingston $1,453 $2,603
Midtown $1,385 $2,481
Harriman $1,392 $2,494
Rockwood $1,383 $2,478
Oakdale $1,383 $2,478
Loudon $1,411 $2,528
Coalfield $1,418 $2,540

Roane 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) $1,235
Excellent (740-799) $1,410
Good (670-739) $1,501
Average (580-669) $1,958
Poor (300-579) $2,349

Roane 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
Josh Ellis State Farm 11826 Kingston Pike Ste 120, Knoxville, 37934-3842 865-223-5461
Aga Ins Inc Allstate 109 S Front St, Rockwood, 37854 (865) 354-7796
Aga Ins Inc Allstate 109 S Front St, Rockwood, 37854 (865) 354-7796
Ron Berry Insurance None Po Box 145, Rockwood, 37854 None
Griffin Insurance Agency Liberty Mutual Independent 414 N Kentucky St, Kingston, 37763 None
George Brown State Farm 1102 S Roane St, Harriman, 37748-7419 865-882-6649
Sunny Hall State Farm 4313 Ball Camp Pike Ste 101, Knoxville, 37921-3339 865-584-2563

Roane 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 +$63 $1,503
Driver's Failure In Showing Documents +$140 $1,580
Driving With An Expired Registration +$148 $1,588
Driving At A Considerably Slow Pace +$312 $1,752
Using A Cellphone While Driving +$330 $1,770
Running A Red Light +$336 $1,776
Speeding +$353 $1,793
Driving A Vehicle Without The Required Permission +$448 $1,888
Driving With An Expired/Suspended License +$971 $2,411

Roane 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 $1,382
Active Disabling Device $1,382
Tracking Device $1,354
Passive Disabling Device $1,339