Compare auto insurance quotes in Kingsport, TN with Freedom Insurance Group. Coverage gets matched to the vehicles you really drive, shopping 25+ carriers.
Kingsport, Tennessee: average car insurance rates
Treat these numbers as estimates for comparison; none of them is a guaranteed quote. Your real premium comes down to the drivers, the vehicles, the ZIP code, coverage limits, deductibles, credit (where allowed), and claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Kingsport, Tennessee | $158.67 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,063.12 |
| 20s | $118.87 |
| 30s | $114.88 |
| 40s | $132.45 |
| 50s | $120.01 |
| 60s | $100.76 |
| 70+ | $113.78 |
Cheapest car insurance companies in Kingsport, TN
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Kemper BVP | $145.43 |
| 2 | Safeco | $147.02 |
| 3 | Travelers | $152.38 |
| 4 | Progressive | $154.00 |
| 5 | GEICO | $157.27 |
| 6 | National General 360 | $168.08 |
| 7 | Allstate | $169.30 |
| 8 | Bristol West | $172.76 |
| 9 | Lumen Select | $179.19 |
| 10 | GAINSCO | $185.00 |
Check Out Other Rates in Kingsport, TN Nearby Cities:
Insurance and driving notes for Kingsport
Kingsport has about 53,014 residents and lies within Sullivan County. The resident count is roughly 53,014. Severe storms and tornadoes often show up in Tennessee pricing, and flood questions arise near rivers and low ground.
In and around Kingsport, trip patterns matter — short school runs, longer metro commutes, and weekend highway miles each paint a different risk picture for carriers. Severe storms, flooding in low spots, and foggy river corridors shape local comprehensive claims, and over time they influence the rates filed for surrounding ZIP codes. Construction of the car, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote, so two Kingsport neighbors driving similar cars can still pay different premiums.
Anyone new to the Sullivan County area should spend a few minutes checking how they use the vehicle. Rideshare driving, teen drivers, and long highway commutes each change the rating story more than a small trim difference on the same model year. Accurate details make the match: tell us how you really use the car when you request a quote, and we will match carriers that price that profile well.
Safety features and ownership length tie into discounts in ways many Kingsport drivers underestimate. Carriers do not all weight anti-theft devices, automatic emergency braking, or continuous coverage the same way. Differences like these become a shortlist in an independent agent’s hands, so you do not re-key the same application on ten websites.
A practical tip: keep current declarations pages handy. Limits, deductibles, and listed drivers are the fastest way to build an apples-to-apples comparison for Kingsport. A suspiciously low quote deserves a check: did liability limits drop, was comprehensive removed, or was a household driver omitted?
Kingsport in brief
Kingsport has about 53,014 residents and lies within Sullivan County.
Kingsport sits in the Sullivan County area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of the Sullivan County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Severe storms and tornadoes often show up in Tennessee pricing, and flood questions arise near rivers and low ground.
Auto coverage explained for Kingsport drivers
The Tennessee minimum keeps you legal, yet it rarely matches a serious injury claim or a newer financed vehicle. Use the outline below as a checklist while you compare quotes for Kingsport.
- Liability coverage (BI/PD): This is the coverage that pays others after a crash you caused. If you have home equity or savings, or a long commute in dense traffic, higher limits deserve a look.
- Collision: Pays for your vehicle’s damage when it strikes another car or object, subject to the deductible.
- Comprehensive: This matters most where severe weather is common; it helps after theft, hail, glass breakage, animal strikes, and many other non-crash losses.
- Uninsured or underinsured motorist: Your protection when the other driver is at fault but has little or no insurance. Before you decline UM/UIM, ask how it works in your state.
- Medical payments (or PIP): Whether you can buy it and how it stacks varies by state, but the purpose is the same: paying medical bills for you and your passengers after a crash.
- Rental car coverage: Pays toward a rental while your car is in the shop after a covered claim.
- Roadside assistance coverage: Added to the auto policy, it can cost less than a separate club membership and includes towing, battery, and lockout service.
- Umbrella coordination & higher limits: If you carry an umbrella, confirm auto limits meet the carrier’s underlying requirements.
If your Kingsport vehicle is financed or leased, collision and comprehensive are almost always required. If your car is older and paid off, we can model dropping collision only after you understand the out-of-pocket risk. Glass and hail deductibles merit a closer look in storm-prone ZIP codes.
Tips and tricks to lower car insurance rates in Kingsport
Shopping rates is about more than the lowest binder price. The durable wins usually come from right-sizing liability limits first, then shopping collision deductibles, then re-checking the market every policy term.
- Compare at least several carriers each renewal. After storm seasons and loss trends, appetite changes. The carrier that was cheapest in Kingsport last year may not be cheapest now.
- Bundle only when the math works. Compare the bundled total, not the auto line by itself; bundling helps only if the total wins. Start your request at /get-a-quote/auto-quote, noting any homeowners or renters policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,063.12, far above adult buckets near $101. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Telematics: proceed with care. Late-night trips and hard braking can erase the benefit, while usage-based programs reward gentle acceleration and low overnight mileage.
- Keep coverage continuous. The premium saved during a gap, even a short one, is usually smaller than what the gap costs later.
- Match garaging to reality. Before binding, correct it if the car is kept in Kingsport but insured at another address (or the reverse).
- Ask about paperless, autopay, paying in full, and professional affiliations. Combined, these credits can move a competitive quote, even though each is small alone.
Document improvements too. New roof cameras apply to homes, but a clean Motor Vehicle Record, dash cams, and anti-theft devices still help many auto filings. Bring those details for your Kingsport quote review so underwriting does not guess.
Kingsport discounts to ask about
- Multi-policy credit — auto with home or renters.
- Multi-car discount — two or more vehicles with one carrier.
- Claims-free / safe driver — a clean record usually prices better.
- Good student & driver training — useful once teens are rated.
- Telematics / usage-based — opt-in programs that reward safer driving.
- Autopay, paperless, and paid-in-full — minor credits that add up.
- Anti-theft & safety equipment — varies by vehicle and carrier.
Discounts are not a substitute for shopping. On one Kingsport driver, two carriers advertising similar discounts may still land fifty dollars apart.
Multi-car households and mixed driving records
Multi-car households in Kingsport should assign drivers thoughtfully. A frequent, avoidable price spike: the most expensive driver assigned to the most expensive car. We model assignments across carriers because not every company rates household drivers identically.
If someone in the home has a recent ticket or minor accident, do not hide it — underwriting will find it — but do shop markets that are more forgiving for that profile. That is the point of an independent agency: no single company’s rules box you in.
What moves a Kingsport auto quote
Carriers weighing applications from Kingsport look past the sticker price of the vehicle. Coverage lapses, prior bodily injury claims, and comprehensive weather losses can outweigh a clean credit file. On the other side, years of continuous insurance and modest annual mileage can ease the price even if the car is fairly new.
Working from home part of the week? Ask about adjusting your mileage estimate. Many Kingsport households still carry commuting assumptions from a prior job and overpay for miles they no longer drive. To avoid a mismatch at claim time, update the application if you added a longer drive around the Sullivan County area; the opposite case matters too.
What Freedom Insurance Group does for Kingsport drivers
Not every carrier writes every niche, so we check which ones are available for your situation. Clear explanations of the tradeoffs, shopping across the markets we can access, and limits matched to how you drive in Kingsport and the wider Sullivan County area: that is our job.
Reach us at (800) 253-1482, or start a free auto quote from your browser. If you also need homeowners coverage, start on the home quote form and we will review bundling options without pressure.
Expect to cover drivers and vehicles, the garaging ZIP code, desired liability limits, and any claims lately. That conversation is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Kingsport by the numbers: commuting, vehicles, and weather
Of the roughly 25,021 occupied households in Kingsport, 21% keep three or more vehicles and 36% have two. Multi-car pricing and how drivers are assigned are therefore relevant for most households here. Roughly 7.4% of households have no vehicle at all, a group that may want to ask about non-owner car insurance if they borrow or rent cars.
The NOAA Storm Events Database records 13 hail reports within about 8 miles of Kingsport from 2016 through 2025. The biggest hail reported was 1.5 inches near Kincheloe Mill in May 2022. Stones that large can dent hoods and roofs and chip glass, a comprehensive-coverage claim. The same database has 7 flash-flood reports nearby, the latest in July 2025; a flooded car is a comprehensive claim, not collision.
By 2020–2024 Census estimates, Kingsport packs about 56,262 residents into roughly 53 square miles of land, a density of about 1,060 people per square mile. For big-city errands, the nearest Tennessee city over 100,000 residents is Knoxville, roughly 87 miles southwest.
A typical one-way trip to work from Kingsport takes about 19 minutes, based on the Census Bureau’s 2020–2024 American Community Survey. Nearly 44% of commuters have trips shorter than 15 minutes, so low-mileage credits may be worth asking about. By commute mode, 78% drive alone, 6.1% carpool, and 12% work from home. With that many remote workers, a stale commute on the policy is a common overcharge.
By the historical record, Kingsport was settled in 1771. Census counts put Kingsport at 44,905 residents in 2000 and 48,205 in 2010, and the Census Bureau’s July 2024 estimate is 57,109. Growth since 2000 comes to roughly 27%. The NOAA Storm Prediction Center database shows 7 tornadoes that began within 10 miles of Kingsport from 1950 through 2015, the strongest an F1 on October 1, 1977. That tornado’s record lists 10 injuries.
Comparing nearby rates? We also cover Colonial Heights (3 mi), Bloomingdale (5 mi), and Spurgeon (7 mi).
ZIP codes we serve in and around Kingsport
37660 · 37662 · 37669 · 37665 · 37664 · 37663
Other Tennessee coverage options
Get auto insurance quotes in Kingsport, TN
Freedom Insurance Group compares 25+ carriers for Kingsport residents. Reach us at (800) 253-1482, or start a free auto quote from your browser.
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