GEICO Exclusive Agency · Johnson City, Tennessee
Started at the front desk. Climbed to the owner’s chair.
Katie Woodson worked every switchback of this business — customer service rep, agent, office manager, agency owner — before opening her own GEICO agency on West State of Franklin. Auto, home, and everything you paddle, park, or ride in the Tri-Cities.
Katie WoodsonGEICO Exclusive Agent · KNR Insurance Group, Inc
What Katie covers
The domain says car insurance — the office covers a whole Tri-Cities life. Every line below exists because of something real up the road: a lake, a ridge, a campus, an interstate.
Auto
From the morning crawl on West Market to the on-ramp at I-26, Johnson City drives real roads with real weather. Tennessee's legal minimum is 25/50/25 — the mountains usually argue for more. Katie will walk you to the number that actually protects you.
Homeowners
Ridge-country weather rolls in over Buffalo Mountain fast — wind, hail, the storm that wasn't in the forecast. First houses, forever houses, from the blocks around downtown out to the county line: insure the roof like you'll be under it a while.
Renters
ETSU is right up the road from Katie's office, and half of Johnson City has rented near campus or downtown at some point. Your landlord's policy covers the building — not your laptop, your gear, or your couch. Renters coverage usually costs less than a night out.
Condo
Condos and townhomes near campus and downtown come with an HOA master policy that stops at your walls. Everything inside them — floors, fixtures, everything you own — is yours to protect. Katie reads the master policy so you insure the gap, not the guesswork.
Motorcycle & ATV
East Tennessee's mountain roads are the reason people own bikes here — and up on ridge land, an ATV isn't a toy, it's how you get around your own property. Both deserve coverage tuned for how and where they actually run.
Boat
Boone Lake sits just up the road, Watauga Lake fills the weekends, and the Nolichucky and Watauga rivers keep the kayaks busy — Katie's included. If it floats, tows, or paddles, make sure it's covered before it touches the water.
And everything else
The Tri-Cities straddles borders — a job in Bristol, family in Virginia, a place across the North Carolina line. Katie is licensed in all three states, so a move doesn't mean starting over. Whatever else needs covering, start with a call; she'll point you the right way.
Not sure where your situation lands? Call (423) 549-6154 — a person answers, not a phone tree.
Rooted here
Johnson City sits where Tennessee leans into Virginia and North Carolina — a town that hikes Buffalo Mountain before church and bikes the Tweetsie Trail after work. Katie’s office is one quick turn off West State of Franklin, and when you call it, a neighbor picks up — not a 1-800 number three states away.
She’s at the Morning Rotary table before the office opens, was named Junior League New Member of the Year in 2020, and sits on the Tennessee Red Cross board — the same instinct, on weekends, that has her out doing community outreach. This is what “local agent” is supposed to mean.
Base camp
Monday – Friday, 9:00 AM – 5:00 PM
Walk-ins and appointments welcome
Straight from the source
Insurance ads love vague promises. Katie prefers the public record — here’s what coverage actually costs across Tennessee, from the regulators and researchers who track it.
Tennessee average annual auto premium (2022)
Liability + collision + comprehensive combined — vs. $1,258 countrywide. Tennessee drivers pay less than most of the country.
Source: NAIC, 2022 Auto Insurance Database Average Premium Supplement →
Tennessee average annual homeowners premium (2022)
Below the $1,569 U.S. average — one of the quiet perks of ridge-country living.
Tennessee average annual renters premium (2022)
Roughly sixteen dollars a month to cover everything you own in that place near campus.
Tennessee's minimum auto liability limits
$25k per injury, $50k per accident, $25k property damage — the legal floor, not a recommendation.
These figures are statewide averages published for general education only — they are not an estimate, an offer, or a promise of any premium. Your rate depends on your record, your vehicle, your home, and your coverage choices. Call Katie at (423) 549-6154 for a real quote, or see the Tennessee Department of Commerce & Insurance for consumer resources.
Meet Katie
Nobody handed Katie Woodson an agency. Over six-plus years in insurance she answered the phones, then wrote the policies, then ran the office — and then opened her own: KNR Insurance Group, Inc, her GEICO agency on West State of Franklin. She’s walked every switchback of a policy’s life, so when yours hits a steep stretch, she already knows the footing.
Off the clock she’s the most Johnson City person you know: hiking the trails at Buffalo Mountain, kayaking the Watauga, cooking for a crowd, reading when it rains — and giving her weekends to community outreach across the Tri-Cities.
A quote takes minutes and credits Katie’s office directly. Or just call — this is the easy part of the trail.