Cheapest Auto Insurance in Kingsport, Tennessee (2025)

Kingsport drivers pay an average of $88 per month for car insurance, which is cheaper than the state average of $103 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.

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.

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 $85 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. 

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.