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.

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.

Read Editorial Guidelines

Featured in

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.

Read Editorial Guidelines

Featured in

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.

Read Editorial Guidelines

Updated July 8, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Cheapest recent rates near Knoxville, Tennessee

We just helped a driver in Memphis, Tennessee cover their Nissan Juke with this quote from Mile Auto.

A Dyersburg, Tennessee driver just saved on coverage for their Nissan Altima with this quote from Dairyland.

State Farm's average rate for Tennessee drivers with good credit and a clean driving record.

We just helped a driver in Knoxville, Tennessee cover their Ford Escape with this quote from GAINSCO.

A Knoxville, Tennessee driver just saved on coverage for their Mazda Tribute with this quote from Bristol West.

The General helped a Chevrolet Tahoe driver in Knoxville, Tennessee save on car insurance with this quote.

We just helped a driver in Nashville, Tennessee cover their Toyota Corolla with this quote from Freedom National.

A Sparta, Tennessee driver just saved on coverage for their Nissan Armada with this quote from Safeco.

Elephant helped a Toyota Camry driver in Knoxville, Tennessee save on car insurance with this quote.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on July 8, 2024

We just helped a driver in Nashville, Tennessee cover their Chevrolet Malibu with this quote from Certainly.

A Rogersville, Tennessee driver just saved on coverage for their Chevrolet Impala with this quote from Bristol West.

Farmers's average rate for Tennessee drivers with good credit and a clean driving record.

We just helped a driver in Spring Hill, Tennessee cover their Honda Ridgeline with this quote from Freedom National.

A Greeneville, Tennessee driver just saved on coverage for their Dodge Charger with this quote from Direct Auto.

GAINSCO helped a Honda Civic driver in Collierville, Tennessee save on car insurance with this quote.

We just helped a driver in Nashville, Tennessee cover their Ford Focus with this quote from Mile Auto.

A Oak Ridge, Tennessee driver just saved on coverage for their Chevrolet GMT-400 with this quote from Safeco.

The General helped a BMW 5-Series driver in Memphis, Tennessee save on car insurance with this quote.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on July 8, 2024

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 $160 per month and the state average of $127 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.

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 $127 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.

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-ten 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.

Best insurer for affordable rates: State Farm

Affordable RatesState Farm

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.

Mobile app makes for convenient account management 

Other types of insurance bundling discounts available

Some negative Better Business Bureau (BBB) customer reviews

Gap insurance not available

Horrible

Unreliable

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

Best insurer for liability coverage: Allstate

Liability coverageAllstate

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.

Well-established with superior ratings from A.M. Best

Pay-per-mile option available

Low customer satisfaction

Rates are merely average compared to other insurers

Good

Excellent Insurance for the Money

High Monthly Payments

Best insurer for drivers with a DUI: GEICO

Drivers with a DUIGEICO

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.

Advertises 16 available discounts

Offers SR-22 insurance

Gap insurance not available

Limited local agent availability

Overpriced and not based on driving record

Great Insurance

Great Company, Switched Only Due to Cost

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.

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.

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.

Cheapest recent rates near Knoxville, Tennessee

We just helped a driver in Memphis, Tennessee cover their Nissan Juke with this quote from Mile Auto.

A Knoxville, Tennessee driver just saved on coverage for their Chevrolet Tahoe with this quote from The General.

Allstate's average rate for Tennessee drivers with good credit and a clean driving record.

We just helped a driver in Knoxville, Tennessee cover their Toyota Camry with this quote from Elephant.

A Knoxville, Tennessee driver just saved on coverage for their Mazda Tribute with this quote from Bristol West.

GAINSCO helped a Toyota Avalon driver in Knoxville, Tennessee save on car insurance with this quote.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on July 8, 2024

We just helped a driver in Nashville, Tennessee cover their Chevrolet Malibu with this quote from Certainly.

A Greeneville, Tennessee driver just saved on coverage for their Dodge Charger with this quote from Direct Auto.

State Farm's average rate for Tennessee drivers with good credit and a clean driving record.

We just helped a driver in Oak Ridge, Tennessee cover their Chevrolet GMT-400 with this quote from Safeco.

A Wartburg, Tennessee driver just saved on coverage for their Ford Escape with this quote from Elephant.

Mile Auto helped a Chevrolet Malibu driver in Nashville, Tennessee save on car insurance with this quote.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on July 8, 2024

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]

When acquiring liability coverage, you typically have the opportunity to add optional coverages, such as:

Collision insurance covers the cost of car damage in the event of a collision, even if you caused the accident.

Comprehensive insurance protects against theft and damages resulting from non-collision incidents, like fire, flood, vandalism, hail, and falling objects.

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.

Find Car Insurance in Knoxville, Tennessee

See custom quotes from top auto insurers in minutes

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 $107 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.

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 $112 per month for liability coverage with an at-fault accident on their record. Here are the cheapest insurers in the city.

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 $127 per month for liability coverage with a DUI on their record. Here are the cheapest insurers in the city.

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.

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 $125 per month for liability coverage and $289 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]

Find Car Insurance in Knoxville, TN

Save up to $717 when you compare quotes with Insurify

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.

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 $127. Knoxville drivers pay an overall average monthly rate of $124, which falls below the overall national average of $160 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.

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:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

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.

Read Editorial Guidelines

Featured in

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.

Read Editorial Guidelines

Compare Car Insurance Quotes Instantly

Latest Articles

How to Get a Texas Driver’s License: A Step-by-Step Guide

To become a licensed driver in Texas, you must pass a three-part test. You might also need to take driver’s ed courses depending on your age.

Compare Car Insurance Rates All in One Place (July 2024)

Insurify is a digital insurance agent that lets you compare car insurance rates from GEICO, Allstate, Progressive and 100+ more.

Shopping for Car Insurance: How to Get Coverage in 7 Easy Steps

If you’re in the market for car insurance, follow these 7 steps to shop for coverage and find the best and cheapest policy for your situation.

What Happens if You Drive Without Insurance?

Driving without insurance may seem like a good way to save money, but here are the consequences you could face.

Average Car Insurance Rates by Age and Gender

Did you know your age and gender can affect how much you pay for car insurance? Younger drivers typically pay the highest insurance rates.

What Is SR-22 Insurance, and Who Needs It?

Learn about the process of filing for SR-22 insurance and whether you need an SR-22 in our complete guide.