Car Insurance in Johnson City, TN

On your way to Founders Park or exploring the beauty of Buffalo Mountain Park? Get covered with Lemonade car insurance in Johnson City—the smart choice for drivers in Little Chicago.

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City	Average monthly base premium*
Nashville	$70 to $79
Knoxville	$60 to $69
Hendersonville	$50 to $59
Clarksville	$80 to $89

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Hybrid/EV discount

Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.

Bundle discounts

Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.

Safe driving

Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.

Lemonade Car was designed to really shine for safe, low-mileage drivers.

Seamless user experience

Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.

Super customizable coverage

Choose from flexible coverages and add-ons to build a policy that fits your lifestyle

Fast claims resolution

File claims in minutes and get reimbursed quickly—right through the app.

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To meet Tennessee car insurance coverage requirements, Johnson City drivers must carry these coverages and minimum amounts to stay road-legal:

Required minimum coverages for Johnson City drivers	Minimum amount required
Bodily injury liability	$25,000 (per person)/ $50,000 (per accident)
Property damage liability	$25,000

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Collision coverage

To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).

Comprehensive coverage

To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).

Medical payments coverage (aka MedPay)

Medical expenses for you or a passenger in your car after a crash—like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.

Uninsured / underinsured driver bodily injury coverage

Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.

Uninsured / underinsured driver property damage coverage

Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.

Temporary transportation coverage

Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.