Cheapest Auto Insurance in Knoxville, Tennessee (2024)
State Farm offers the cheapest car insurance in Knoxville, with minimum-coverage policies as low as $21 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byKatie Powers
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Licensed auto and home insurance agent
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated November 21, 2024
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Table of contents
In Knoxville, the overall average cost of car insurance is $112. What you’ll actually spend depends on a wide variety of factors unique to you. But despite the tourist destination’s popularity, it has relatively cheap average premiums compared to the national overall average of $154 per month and the state average of $116 per month.
Here’s what you need to know about comparing quotes and finding the right car insurance policy at an affordable price in Knoxville.
Quick Facts
The average cost of car insurance in Knoxville is $73 per month for liability coverage and $73 per month for full coverage.
Drivers with DUIs in Knoxville pay an average of $123 per month for liability coverage.
State Farm is the cheapest full-coverage car insurance company in Knoxville, with rates starting at $42 per month.
3 of the cheapest car insurance companies in Knoxville
When you’re looking for a new auto insurance policy, you likely have the cost of coverage on your mind. The cheapest available policy won’t always work best for your needs since some insurers cater to specific driver categories or circumstances.
Consider the following affordable insurers in Knoxville.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $44 | $22 | Affordable rates |
| Allstate | 8.9 | $81 | $40 | Liability coverage |
| GEICO | 9.0 | $57 | $28 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. 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 28,000 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 affordable rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $21/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $42/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm insurance offerings help safeguard against accidents and damages. The company also offers uninsured and underinsured motorist coverage, as well as medical payments coverage for medical expenses incurred in accidents.
Pros
Mobile app makes for convenient account management
Other types of insurance bundling discounts available
Cons
Some negative Better Business Bureau (BBB) customer reviews
Gap insurance not available
Best insurer for liability coverage: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $78/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
The fourth-largest U.S. auto insurer by market share, Allstate is available in all 50 states. The company has been in business for more than 90 years and also sells home, renters, and condo policies — so it’s a good option for those who want to save by bundling auto with another type of policy. Allstate also offers helpful optional auto coverages, like gap insurance and accident forgiveness. AM Best gives the company a high rating for financial strength, but Allstate has a higher-than-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Ample opportunities for bundling discount
Offers a pay-per-mile option
A+ (Superior) financial strength rating from AM Best
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Below-average rank for customer satisfaction in many regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study
Best insurer for drivers with a DUI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $55/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
A well-known insurer selling coverage in all 50 states, GEICO provides standard coverage options, as well as insurance add-ons. The company earned an AM Best financial strength rating of A++ (Superior), indicating an ability to successfully pay claims.
Pros
Advertises 16 available discounts
Offers SR-22 insurance
Cons
Gap insurance not available
Limited local agent availability
How to get the cheapest car insurance in Knoxville
When it comes to finding cheap car insurance rates in Knoxville, several factors generally come into play. Take note of these tips to help you secure affordable coverage:
Keep a clean record. Maintain a clean driving record by obeying traffic laws and avoiding accidents and violations.
Choose a high deductible. Consider opting for a higher deductible, as this can lower your premium. But ensure you have enough savings to cover the deductible amount if you need to file a claim.
Ask about multi-policy discounts. Bundle your car insurance with other policies, such as homeowners or renters insurance, to qualify for multi-policy discounts.
Look into other discounts. Ask about available discounts for safety features in your vehicle, such as anti-lock brakes and passive restraint systems.
Shop around. Compare quotes from different insurance companies to find the best rate for your specific needs.
Compare Knoxville Car Insurance Rates
Liability rates start at $21/mo.
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Cheapest liability-only car insurance in Knoxville: State Farm
Liability-only car insurance provides coverage for injuries and damages you cause others, but it doesn’t cover damages to your own vehicle. This insurance includes bodily injury liability, which pays for medical expenses and legal costs related to injuries suffered by others, as well as property damage liability, which covers repairs or replacement of damaged property.[1]
A liability-only policy may be a money-saver for you if your vehicle is older, less expensive, and paid off. Knoxville drivers pay an average of $73 per month for liability coverage. Here are the cheapest liability insurance companies in Knoxville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $21 |
| USAA | $25 |
| GEICO | $27 |
| Travelers | $28 |
| Auto-Owners | $29 |
| Erie | $31 |
| Mile Auto | $38 |
| Allstate | $39 |
| Farmers | $42 |
| Nationwide | $51 |
| Progressive | $56 |
| Chubb | $60 |
| Direct Auto | $66 |
| Safeco | $70 |
| Dairyland | $76 |
| State Auto | $79 |
| National General | $86 |
| Elephant | $90 |
| The General | $94 |
| GAINSCO | $95 |
| Liberty Mutual | $121 |
| Foremost | $123 |
| Bristol West | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Knoxville: State Farm
The difference between liability-only and full-coverage car insurance lies in the scope of coverage provided. While liability-only insurance covers damages and injuries caused to others, full-coverage insurance extends protection to your own vehicle as well.
Though more expensive than a liability-only policy, full-coverage insurance covers vehicle repairs following collisions and non-collision incidents, like theft, vandalism, and natural disasters. You should consider full-coverage car insurance if you have a new or high-value vehicle. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage.
Knoxville drivers pay an average of $151 per month for full coverage. Here are the cheapest liability insurance companies in Knoxville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $42 |
| USAA | $50 |
| GEICO | $55 |
| Auto-Owners | $58 |
| Travelers | $58 |
| Erie | $63 |
| Mile Auto | $67 |
| Allstate | $78 |
| Farmers | $84 |
| Nationwide | $103 |
| Progressive | $113 |
| Chubb | $122 |
| Safeco | $133 |
| Elephant | $144 |
| Direct Auto | $159 |
| State Auto | $161 |
| National General | $181 |
| The General | $201 |
| Dairyland | $209 |
| Liberty Mutual | $228 |
| Foremost | $243 |
| GAINSCO | $264 |
| Bristol West | $319 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Knoxville, Tennessee
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $36/mo for full coverage in Knoxville and other Tennessee cities.
*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Tennessee
Mandated by Tennessee’s Financial Responsibility Law, drivers in the state must prove financial accountability in the event of a car accident. Most drivers need to purchase auto liability insurance coverage unless they qualify for an exemption.
Failure to meet the minimum-coverage requirements for bodily injury and property damage liability results in fines and the potential loss of vehicle registration.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
When acquiring liability coverage, you typically have the opportunity to add optional coverages, such as:
Collision coverage
Collision insurance covers the cost of car damage in the event of a collision, even if you caused the accident.
Comprehensive coverage
Comprehensive insurance protects against theft and damages resulting from non-collision incidents, like fire, flood, vandalism, hail, and falling objects.
Glass coverage
You can benefit from no-deductible coverage for windshields, side windows, rear windows, and glass sunroofs. Companies may also offer additional options for glass coverage.
Cheapest car insurance for drivers with an incident
Certain driving-related incidents can have an effect on your auto insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3]
“Having a major infraction on your record, such as a DUI or reckless driving, could prohibit you from obtaining insurance with a standard auto insurer and cause you to pay rates that are more than double the average driver,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute.
You should understand how your driving record can affect the price you pay for your auto insurance policy.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If you get a speeding ticket, you should prepare for a potential increase in your car insurance costs — drivers in Knoxville pay an average of $105 per month for liability coverage if they having a speeding ticket on their record. Insurance companies generally view speeding violations as a sign of increased risk, which leads to higher premiums.
The table below shows average rates for drivers with a speeding ticket compared to those for drivers with a clean record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $21 | $27 |
| USAA | $25 | $33 |
| GEICO | $27 | $36 |
| Travelers | $28 | $37 |
| Auto-Owners | $29 | $39 |
| Erie | $31 | $42 |
| Mile Auto | $38 | $50 |
| Allstate | $39 | $51 |
| Farmers | $42 | $55 |
| Nationwide | $51 | $68 |
| Progressive | $56 | $73 |
| Chubb | $60 | $80 |
| Direct Auto | $66 | $87 |
| Safeco | $70 | $93 |
| Dairyland | $76 | $100 |
| State Auto | $79 | $112 |
| National General | $86 | $114 |
| Elephant | $90 | $127 |
| The General | $94 | $126 |
| GAINSCO | $95 | $134 |
| Liberty Mutual | $121 | $171 |
| Foremost | $123 | $174 |
| Bristol West | $128 | $170 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you cause an accident, you should understand how it’ll affect your car insurance costs. Insurance companies generally consider at-fault accidents as a sign of higher risk and potential claims, so you’ll pay a higher premium.
Knoxville drivers pay an average of $108 per month for liability coverage with an at-fault accident on their record. Here are the cheapest insurers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $21 | $29 |
| USAA | $25 | $34 |
| GEICO | $27 | $37 |
| Travelers | $28 | $39 |
| Auto-Owners | $29 | $40 |
| Erie | $31 | $44 |
| Mile Auto | $38 | $54 |
| Allstate | $39 | $54 |
| Farmers | $42 | $58 |
| Nationwide | $51 | $71 |
| Progressive | $56 | $78 |
| Chubb | $60 | $83 |
| Direct Auto | $66 | $93 |
| Safeco | $70 | $96 |
| Dairyland | $76 | $104 |
| State Auto | $79 | $118 |
| National General | $86 | $118 |
| Elephant | $90 | $122 |
| The General | $94 | $132 |
| GAINSCO | $95 | $125 |
| Liberty Mutual | $121 | $177 |
| Foremost | $123 | $180 |
| Bristol West | $128 | $176 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Insurance costs can significantly increase if you receive a DUI on your driving record. Insurance companies view DUIs as a major red flag that indicates a higher likelihood of accidents and claims. If you’ve received a DUI conviction, expect a significant increase in your car insurance premiums.
Knoxville drivers pay an average of $123 per month for liability coverage with a DUI on their record. Here are the cheapest insurers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $21 | $35 |
| USAA | $25 | $42 |
| GEICO | $27 | $45 |
| Travelers | $28 | $47 |
| Auto-Owners | $29 | $48 |
| Erie | $31 | $52 |
| Mile Auto | $38 | $63 |
| Allstate | $39 | $65 |
| Farmers | $42 | $70 |
| Nationwide | $51 | $85 |
| Progressive | $56 | $93 |
| Chubb | $60 | $100 |
| Direct Auto | $66 | $110 |
| Safeco | $70 | $108 |
| Dairyland | $76 | $127 |
| State Auto | $79 | $132 |
| National General | $86 | $143 |
| Elephant | $90 | $150 |
| The General | $94 | $157 |
| GAINSCO | $95 | $158 |
| Liberty Mutual | $121 | $202 |
| Foremost | $123 | $205 |
| Bristol West | $128 | $213 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age is a significant determinant of your car insurance rates. Around age 35, rates generally decrease, as drivers become more experienced. But around age 70, insurance premiums increase slightly due to factors like potential health issues and increased accident risks.
Senior drivers in Knoxville pay an average of $52 per month for liability coverage and $107 per month for full coverage. Here are the cheapest car insurance companies for senior drivers in Knoxville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $15 | $30 |
| USAA | $19 | $37 |
| GEICO | $20 | $41 |
| Travelers | $20 | $42 |
| Auto-Owners | $21 | $42 |
| Erie | $22 | $45 |
| Mile Auto | $26 | $47 |
| Allstate | $29 | $58 |
| Farmers | $30 | $61 |
| Nationwide | $35 | $71 |
| Progressive | $37 | $75 |
| Chubb | $40 | $82 |
| Direct Auto | $48 | $115 |
| State Auto | $54 | $111 |
| Safeco | $56 | $106 |
| Dairyland | $56 | $155 |
| National General | $61 | $128 |
| Elephant | $68 | $109 |
| The General | $71 | $151 |
| GAINSCO | $74 | $206 |
| Foremost | $91 | $180 |
| Liberty Mutual | $94 | $178 |
| Bristol West | $95 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Car insurance for teenagers costs much more than premiums for older drivers due to a lack of driving experience and increased risk factors. Teen drivers in Knoxville pay an average of $129 per month for liability coverage and $266 per month for full coverage.
To obtain cheap car insurance as a teen, you can consider staying on a parent’s insurance policy, as this often earns you more favorable rates.
Additionally, completing an approved driver safety course, and selecting a safe and reliable car with good safety features can help lower insurance costs. Taking advantage of a good student discount by maintaining good grades can further contribute to obtaining affordable insurance.[4]
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $37 | $74 |
| USAA | $43 | $85 |
| GEICO | $44 | $90 |
| Auto-Owners | $50 | $99 |
| Travelers | $52 | $107 |
| Erie | $53 | $108 |
| Allstate | $71 | $142 |
| Farmers | $75 | $150 |
| Mile Auto | $75 | $132 |
| Nationwide | $91 | $183 |
| Progressive | $100 | $202 |
| Chubb | $117 | $237 |
| Direct Auto | $123 | $296 |
| Dairyland | $125 | $344 |
| Safeco | $137 | $260 |
| State Auto | $143 | $291 |
| Elephant | $149 | $238 |
| The General | $152 | $325 |
| GAINSCO | $167 | $464 |
| National General | $172 | $362 |
| Liberty Mutual | $212 | $399 |
| Bristol West | $220 | $548 |
| Foremost | $223 | $440 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Knoxville car insurance quotes by credit tier
If you live in Tennessee, car insurance companies may assess your credit history when determining the cost of premiums. Having an excellent or good credit score can help secure lower insurance rates, while a poor credit score may lead to higher premiums.
To get an idea of how credit tiers affect average monthly insurance quotes in Knoxville, refer to the chart below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Knoxville?
Where you live, down to your ZIP code, has a significant effect on car insurance rates. If you live in Tennessee, you may pay lower premiums compared to drivers in other states, with an overall monthly average rate of $116. Knoxville drivers pay an overall average monthly rate of $112, which falls below the overall national average of $154 per month.
Car insurance rates can also vary within the same state on a city level, influenced by factors like crime rates, accident frequency, and weather conditions.
More cities in Tennessee
For full-coverage insurance, Knoxville drivers pay an average of $151 per month, which is lower than some other cities in Tennessee.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Chattanooga | $163 | $76 |
| Clarksville | $174 | $78 |
| Cleveland | $140 | $70 |
| Franklin | $155 | $76 |
| Kingsport | $120 | $62 |
| Memphis | $223 | $105 |
| Nashville | $186 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Knoxville car insurance FAQs
Finding the right car insurance for you can feel stressful. The information below should help you navigate the process.
How much is car insurance in Knoxville?
The average cost of car insurance in Knoxville is $73 per month for liability coverage and $151 per month for full coverage.
Which company has the cheapest car insurance in Knoxville?
State Farm, USAA, and GEICO are the cheapest liability insurers in Knoxville, with rates starting at $21, $25, and $27 per month, respectively.
The best way to find the cheapest coverage for you is by comparing multiple quotes online at once. This process helps you compare coverage side by side while considering cost.
What are the best car insurance companies in Knoxville?
The best car insurance company in Knoxville is State Farm, due to a high Insurify Quality Score, an AM Best financial strength rating of A++ (Superior), and affordable coverage.
USAA and GEICO are great runner-up, reliable choices for car insurance in Knoxville. And if you’re looking for temporary coverage, Hugo is your best option.
How much car insurance do you need in Tennessee?
The minimum car insurance in Tennessee includes $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per person for property damage liability. Failing to obtain this coverage can result in fines and other legal penalties.
Is Tennessee a no-fault state?
No. Tennessee is an at-fault state, which means the driver who causes an accident is financially responsible for damages and injury they cause to others.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Tennessee
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
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Clinical Professor of Finance, University of San Diego
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