Insurance Costs in Kingsport, TN
Auto insurance in Kingsport averages $1,350 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Kingsport, TN: What You Need to Know
Kingsport residents pay an average of $1,350 per year for full coverage auto insurance, which is 8.0% below the Tennessee state average and 19.4% below the national average.
With a population of 53,699, Kingsport is a growing city in Tennessee. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,350 | $112 |
| Standard Coverage (50/100/50) | $1,107 | $92 |
| State Minimum (25/50/15) | $567 | $47 |
Homeowners Insurance in Kingsport, TN
The average cost of homeowners insurance in Kingsport is $1,711 per year ($143/month), which is 6.0% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Kingsport, TN
Renters insurance in Kingsport averages $204 per year ($17/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Tennessee Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Nashville | $1,687/yr | $2,253/yr |
| Memphis | $1,878/yr | $2,399/yr |
| Knoxville | $1,496/yr | $1,919/yr |
| Chattanooga | $1,526/yr | $1,982/yr |
| Clarksville | $1,394/yr | $1,836/yr |
| Murfreesboro | $1,438/yr | $1,919/yr |
| Franklin | $1,291/yr | $2,253/yr |
| Johnson City | $1,350/yr | $1,711/yr |
How to Save on Insurance in Kingsport
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Kingsport can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Kingsport, TN?
The average cost of car insurance in Kingsport, TN is $1,350 per year for full coverage, or about $112 per month. Minimum coverage costs around $567 per year.
Is car insurance expensive in Kingsport?
Car insurance in Kingsport is relatively affordable compared to many U.S. cities.
How much is home insurance in Kingsport?
Homeowners insurance in Kingsport costs an average of $1,711 per year. Your actual cost depends on your home's value, age, construction type, and specific location.