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

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

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


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

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

Unicoi County Ramseytown Bradshaw Banner Hill Erwin Unicoi
Average Insurance Rates $1,426 $1,019 $1,374 $1,403 $1,407 $1,450

Unicoi 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 Unicoi 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)
Unicoi County $1,440 $1,216
Banner Hill $2,747 $2,320
Erwin $1,422 $1,201
Poplar $1,547 $1,307
Ramseytown $1,050 $887
Bradshaw $1,634 $1,380
Egypt $1,449 $1,224
Unicoi $1,719 $1,452

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

Teenagers in Unicoi 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 $4,627
20 Years $1,832
30 Years $1,411
40 Years $1,358
50 Years $1,257
60 Years $1,275
70 Years $1,484

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

Car owners in Unicoi 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 $2,453 $399
3 Vehicles $3,679 $599
4 Vehicles $4,905 $799

Savings on 2 Vehicles bundle:$399

Savings on 3 Vehicles bundle:$599

Savings on 4 Vehicles bundle:$799


Unicoi 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 Unicoi County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Unicoi County $1,426 $2,555
Banner Hill $1,403 $2,513
Erwin $1,407 $2,521
Poplar $1,301 $5,336
Ramseytown $1,019 $4,179
Bradshaw $1,374 $5,635
Egypt $1,100 $4,512
Unicoi $1,450 $2,598

Unicoi 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) $1,223
Excellent (740-799) $1,397
Good (670-739) $1,486
Average (580-669) $1,939
Poor (300-579) $2,326

Unicoi 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
Brian Poston State Farm 1072 N Main Ave Ste 4, Erwin, 37650-1575 423-743-3311
Jones Insurance Service Erie 2112 N ROAN ST STE 706, JOHNSON CITY, 37601 423-282-9339
Jones Insurance Service Erie 2112 N ROAN ST STE 706, JOHNSON CITY, 37601 423-282-9339
Heritage Insurance Group Inc Liberty Mutual Independent 532 PRINCETON RD, JOHNSON CITY, 37601 (423) 283-9811
Buckles Group Allstate 4012 N Roan St, Johnson City, 37601 (423) 929-0181
Timothy Mullins Allstate 926 W Oakland Ave Ste 208, Johnson City, 37604 (423) 282-8016
Steve Sonneberger State Farm 2106 W Mountcastle Dr Ste 1, Johnson City, 37604-2524 423-283-9121
Ken Wandell State Farm 1982 W Elk Avenue, Elizabethton, 37643-3733 423-543-3031
Jonesboro Ins Agcy None 803 E Jackson Blvd Ste 3, Jonesborough, 37659 None

Unicoi 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 $1,489
Driver's Failure In Showing Documents +$138 $1,564
Driving With An Expired Registration +$147 $1,573
Driving At A Considerably Slow Pace +$309 $1,735
Using A Cellphone While Driving +$327 $1,753
Running A Red Light +$332 $1,758
Speeding +$349 $1,775
Driving A Vehicle Without The Required Permission +$443 $1,869
Driving With An Expired/Suspended License +$961 $2,387

Unicoi 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 $1,369
Active Disabling Device $1,369
Tracking Device $1,340
Passive Disabling Device $1,326