Cheapest Auto Insurance in Kingsport, Tennessee (2025)
Mile Auto offers the cheapest car insurance in Kingsport, with minimum-coverage policies as low as $35 per month.
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Kingsport drivers pay an average of $88 per month for car insurance, which is cheaper than the state average of $102 per month.
The Tennessee city sits near the Virginia border and has a population of around 56,000 residents.1 Its relatively small population and location tucked away near Bays Mountain likely contributes to its cheap car insurance rates.
Here’s what you need to know about comparing quotes and finding the right auto coverage for you in Kingsport, Tennessee.
Quick Facts
The average cost of car insurance in Kingsport is $64 per month for liability coverage and $113 per month for full coverage.
Mile Auto is the cheapest insurer for full coverage, with a monthly rate of $63.
Tennessee state law allows insurers to consider your credit-based insurance score when determining your auto premium.2
3 of the cheapest car insurance companies in Kingsport
Every driver in Kingsport has a unique situation that affects their car insurance premiums. To find the best insurance rates, it’s important to compare quotes from multiple car insurance companies.
While it’s useful to shop around, some car insurance companies offer consistently better rates than others. Here are some of the best insurance companies in Kingsport to jump-start your search for cheap car insurance.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
Best insurer for families: GEICO
Best insurer for customer service: Auto-Owners
How to get the cheapest car insurance in Kingsport
Insurance companies consider several factors when determining your auto insurance premiums, like your insurance type, driving record, credit history, marital status, age, and location. Use the strategies below to help you find the right choice for your budget:
Shop around. Since every insurer has a different method of determining premiums, shopping around with an online comparison tool can help you find the best policy for your situation.
Ask for a discount. Many insurance companies offer discounts. It never hurts to ask if you qualify for discounts, such as good student, paperless billing, auto pay, vehicle safety features, and more.
Reduce coverages. A minimum-coverage car insurance policy usually comes with the cheapest car insurance rates. But only reduce your coverage if you’re comfortable with a bare-bones policy that has minimal protection.
Raise your deductible. In general, insurance companies offer cheaper auto insurance rates to drivers with higher deductibles. If you have the money on hand to cover a higher deductible when you file a claim, then consider this option.
Cheapest liability-only car insurance in Kingsport: Mile Auto
Liability-only auto insurance policies, which include bodily injury and property damage liability coverage, usually have the cheapest rates. While this type of policy can help you pay for injuries or damage you cause to others, it won’t help you pay for your own injuries or car repairs.
In Kingsport, liability-only car insurance costs $64 per month, on average.
The table below shows other affordable companies for liability insurance in Kingsport.
Cheapest full-coverage car insurance in Kingsport: Mile Auto
Full-coverage car insurance policies offer more financial protection for drivers. In addition to liability insurance, this type of policy includes comprehensive and collision coverage. After an accident, a full-coverage policy can help you pay for repairs to your own vehicle.
If you financed or leased your car, your lender or lessor might require full-coverage insurance. But even if you don’t have to carry a full-coverage policy, the more robust protection might be a good idea — especially if you aren’t ready to pay for repairs to your vehicle after an unexpected incident.
A full-coverage policy in Kingsport costs an average of $113 per month.
Use the table below to compare average full-coverage policy quotes for Kingsport drivers.
Car insurance requirements in Tennessee
Tennessee drivers must carry a minimum amount of car insurance that meets 25/50/25 limits. Here’s what those numbers translate to:5
Sticking with basic liability coverage requirements won’t help you pay for repairs to your own vehicle. If you want more protection for your car, consider the following optional coverages:
Cheapest car insurance for drivers with an incident
A mistake on the road can increase your car insurance costs. Common incidents — like speeding tickets, driving under the influence (DUI) convictions, and at-fault accidents — indicate a higher risk of filing a claim, and insurance companies raise rates to offset that risk.
Sullivan County reported more than 3,700 crashes in 2023. In comparison, more populated counties like Davidson County and Hamilton County reported many more crashes.6 After a car accident, the average cost of car insurance in Kingsport increases from $64 per month to $86 per month.
But costs can increase even more, especially after a serious violation like a DUI. Drivers in Kingsport with DUIs on their record pay an average of $83 per month for coverage.
Here’s how car insurance rates in Kingsport change with different driving incidents.
Average cost of car insurance by age
Auto insurance companies usually take your age into account when determining premiums. On average, teen drivers pay the most expensive rates. But even young adults in their 20s may pay higher rates than older drivers.
Drivers typically start to see their car insurance costs decrease between ages 35 and 70. After age 70, rates usually start to tick up again for senior drivers. The good news is that shopping around at any age can help you find cheap auto insurance.
The table below shows average rates for drivers by age in Kingsport.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Kingsport car insurance quotes by credit tier
The state of Tennessee allows insurance companies to consider your credit history when determining premiums.2 Drivers with excellent or good credit pay cheaper rates for car insurance than drivers with poor credit.
The table below shows average car insurance quotes by credit tier in Kingsport.
Kingsport car insurance FAQs
Check out Insurify’s guide on switching your car insurance, and read the answers to common questions about auto coverage in Kingsport below.
How much is car insurance in Kingsport?
The average cost of car insurance in Kingsport is $64 per month for liability coverage and $113 per month for full coverage.
Which companies have the cheapest car insurance in Kingsport?
Mile Auto, State Farm, and Progressive are the cheapest car insurance companies in Kingsport, with liability rates of $35, $42, and $46 per month, respectively.
But the cheapest company for someone else may not be the cheapest for you. It’s important to compare rates from multiple companies to find the one that offers you the best deal. You can also use a quote-comparison website to help you look at multiple rates in one place.
What are the best car insurance companies in Kingsport?
Some of the best car insurance companies in Kingsport include Auto-Owners, GEICO, and State Farm. These insurers have low average rates for Kingsport drivers, high Insurify Quality (IQ) Scores, and solid financial strength ratings.
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