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
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Edited byKatie Powers
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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 October 30, 2024
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Table of contents
In Knoxville, the overall average cost of car insurance is $124. 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 $158 per month and the state average of $121 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 $75 per month for liability coverage and $75 per month for full coverage.
Drivers with DUIs in Knoxville pay an average of $126 per month for liability coverage.
State Farm is the cheapest full-coverage car insurance company in Knoxville, with rates starting at $43 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 | $80 | $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
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| 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. | $43/mo |
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
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
…
Best insurer for liability coverage: Allstate
AllstateCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | $80/mo |
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Read more driver reviews of Allstate
Howard - October 29, 2024
Verified
They Have You By The Short Hairs
I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.
Hugh - October 29, 2024
Verified
Actual Crash Damages vs. Damages Quoted Over the Phone
There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.
Miriam - October 29, 2024
Verified
Best Overall
Check around before choosing. Allstate has been my choice for years.
…
Best insurer for drivers with a DUI: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | $57/mo |
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
Read more driver reviews of GEICO
Herman - October 29, 2024
Verified
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg - October 29, 2024
Verified
It's Expensive
It's expensive.
Robert - October 29, 2024
Verified
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
…
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 $75 per month for liability coverage. Here are the cheapest liability insurance companies in Knoxville.
The below rates are estimated rates current as of: Sunday, September 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 | $52 |
| Progressive | $57 |
| Chubb | $61 |
| Safeco | $61 |
| Midvale Home & Auto | $69 |
| Dairyland | $71 |
| National General | $73 |
| State Auto | $80 |
| Direct Auto | $82 |
| Elephant | $84 |
| Liberty Mutual | $89 |
| GAINSCO | $100 |
| The General | $111 |
| Bristol West | $138 |
| Foremost | $150 |
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 $173 per month for full coverage. Here are the cheapest liability insurance companies in Knoxville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $43 |
| USAA | $52 |
| GEICO | $57 |
| Auto-Owners | $60 |
| Travelers | $60 |
| Erie | $63 |
| Mile Auto | $69 |
| Allstate | $80 |
| Farmers | $86 |
| Safeco | $103 |
| Nationwide | $105 |
| Progressive | $115 |
| Midvale Home & Auto | $121 |
| Chubb | $124 |
| Elephant | $135 |
| State Auto | $165 |
| Liberty Mutual | $166 |
| National General | $170 |
| Direct Auto | $192 |
| The General | $202 |
| Dairyland | $205 |
| GAINSCO | $269 |
| Foremost | $291 |
| Bristol West | $340 |
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 $22/mo for liability only and $39/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 October 30, 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 October 30, 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 October 30, 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 October 30, 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 $108 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $21 | $27 |
| USAA | $25 | $33 |
| GEICO | $27 | $35 |
| Travelers | $28 | $37 |
| Auto-Owners | $29 | $38 |
| Erie | $31 | $42 |
| Mile Auto | $38 | $51 |
| Allstate | $39 | $51 |
| Farmers | $42 | $55 |
| Nationwide | $52 | $69 |
| Progressive | $57 | $74 |
| Chubb | $61 | $81 |
| Safeco | $61 | $81 |
| Dairyland | $71 | $93 |
| National General | $73 | $96 |
| State Auto | $80 | $114 |
| Direct Auto | $82 | $107 |
| Elephant | $84 | $119 |
| Liberty Mutual | $89 | $126 |
| GAINSCO | $100 | $141 |
| The General | $111 | $147 |
| Bristol West | $138 | $181 |
| Foremost | $150 | $212 |
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 $111 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: Sunday, September 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 | $43 |
| Mile Auto | $38 | $55 |
| Allstate | $39 | $53 |
| Farmers | $42 | $57 |
| Nationwide | $52 | $72 |
| Progressive | $57 | $79 |
| Chubb | $61 | $84 |
| Safeco | $61 | $82 |
| Dairyland | $71 | $97 |
| National General | $73 | $101 |
| State Auto | $80 | $120 |
| Direct Auto | $82 | $115 |
| Elephant | $84 | $113 |
| Liberty Mutual | $89 | $130 |
| GAINSCO | $100 | $131 |
| The General | $111 | $154 |
| Bristol West | $138 | $188 |
| Foremost | $150 | $220 |
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 $126 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: Sunday, September 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 | $52 | $87 |
| Progressive | $57 | $95 |
| Chubb | $61 | $102 |
| Safeco | $61 | $102 |
| Dairyland | $71 | $118 |
| National General | $73 | $122 |
| State Auto | $80 | $133 |
| Direct Auto | $82 | $137 |
| Elephant | $84 | $140 |
| Liberty Mutual | $89 | $148 |
| GAINSCO | $100 | $167 |
| The General | $111 | $185 |
| Bristol West | $138 | $230 |
| Foremost | $150 | $250 |
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 $120 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $15 | $31 |
| USAA | $18 | $38 |
| GEICO | $20 | $42 |
| Travelers | $20 | $43 |
| Auto-Owners | $21 | $43 |
| Erie | $21 | $43 |
| Mile Auto | $26 | $48 |
| Allstate | $29 | $59 |
| Farmers | $30 | $62 |
| Nationwide | $36 | $72 |
| Progressive | $37 | $75 |
| Chubb | $41 | $83 |
| Safeco | $47 | $80 |
| National General | $51 | $120 |
| Dairyland | $52 | $150 |
| State Auto | $56 | $115 |
| Direct Auto | $59 | $137 |
| Elephant | $63 | $101 |
| Liberty Mutual | $68 | $128 |
| GAINSCO | $77 | $208 |
| The General | $83 | $152 |
| Bristol West | $102 | $250 |
| Foremost | $109 | $212 |
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 $130 per month for liability coverage and $300 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $36 | $73 |
| USAA | $42 | $86 |
| GEICO | $43 | $90 |
| Auto-Owners | $49 | $101 |
| Travelers | $50 | $108 |
| Erie | $52 | $106 |
| Allstate | $69 | $141 |
| Farmers | $73 | $150 |
| Mile Auto | $73 | $133 |
| Nationwide | $90 | $181 |
| Progressive | $101 | $204 |
| Chubb | $115 | $233 |
| Dairyland | $116 | $335 |
| Safeco | $122 | $205 |
| Elephant | $137 | $220 |
| State Auto | $142 | $292 |
| National General | $143 | $334 |
| Direct Auto | $149 | $348 |
| Liberty Mutual | $157 | $293 |
| GAINSCO | $174 | $468 |
| The General | $176 | $321 |
| Bristol West | $233 | $573 |
| Foremost | $266 | $516 |
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 $121. Knoxville drivers pay an overall average monthly rate of $124, which falls below the overall national average of $158 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 $173 per month, which is lower than some other cities in Tennessee.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Chattanooga | $170 | $82 |
| Clarksville | $197 | $86 |
| Cleveland | $162 | $71 |
| Franklin | $158 | $77 |
| Kingsport | $138 | $62 |
| Memphis | $238 | $112 |
| Nashville | $204 | $89 |
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 $75 per month for liability coverage and $173 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.
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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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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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.
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