Farm Bureau offers minimum coverage at $326 per year, which is 43% lower than the city average of $548. Auto-Owners offers competitive rates at $930 for full coverage.
Travelers is another good choice at $478 for minimum coverage.
Car Insurance in Knoxville
Updated: November 21, 2025
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Key Takeaways
Farm Bureau offers the cheapest car insurance in Knoxville at $326 per year for minimum coverage, 43% below the city average. Other major insurers serving Knoxville include Auto-Owners, Travelers, State Farm and GEICO.
Car insurance in Knoxville costs an average of $548 per year for minimum coverage and $1,183 for full coverage.
Auto-Owners also offers the cheapest car insurance in Tennessee at $383 per year for minimum coverage and $943 for full coverage.
Who Has the Cheapest Car Insurance in Knoxville?
| Auto-Owners | $29 | $78 | -29% |
| Farm Bureau | $27 | $83 | -27% |
| Travelers | $40 | $81 | -19% |
| Farmers | $44 | $87 | -12% |
| Erie | $38 | $101 | -7% |
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Cheapest Car Insurance by Age Group in Knoxville
Farm Bureau controls age based pricing in Knoxville across all demographics. Adults with clean records pay $326 annually, while young drivers face $917. That's a 181% premium increase, steeper than many Tennessee cities. Seniors enjoy moderate pricing at $385, about 18% above adult rates.
The significant young driver penalty in Knoxville emphasizes the value of adding teens to family policies rather than purchasing separate coverage. Tennessee's relatively aggressive age based pricing makes maintaining clean records particularly important as young drivers work toward lower rate categories.
Cheapest Car Insurance for Young Drivers in Knoxville
Young drivers in Knoxville can find the lowest car insurance rates with Farm Bureau and Erie, offering average monthly premiums starting at $76 and $81. Both insurers are known for reliable claims handling and affordable coverage tailored to younger motorists.
| Farm Bureau | $76 | $917 | -35% |
| Erie Insurance | $81 | $970 | -31% |
| Auto Owners | $83 | $1,001 | -29% |
| Travelers | $93 | $1,119 | -21% |
| State Farm | $100 | $1,197 | -15% |
Cheapest Car Insurance for Adult Drivers in Knoxville
For adults aged 26 to 64, Farm Bureau offers the most affordable choice, with premiums about 43% below the city average. State Farm and Farmers also provide good value for experienced drivers with clean records. You can save even more by bundling multiple policies or enrolling in usage-based programs.
| Farm Bureau | $27 | $326 | -43% |
| Auto Owners | $29 | $348 | -39% |
| Erie Insurance | $38 | $455 | -20% |
| Travelers | $40 | $481 | -16% |
| State Farm | $41 | $494 | -13% |
Cheapest Car Insurance for Senior Drivers in Knoxville
The most affordable option for seniors is Farm Bureau. With this insurer, you pay $32 per month for minimum coverage and $88 per month for full coverage.
| Farm Bureau | $32 | $385 | -51% |
| Auto Owners | $50 | $598 | -24% |
| State Farm | $54 | $644 | -19% |
| Penn National Insurance | $55 | $665 | -16% |
| Travelers | $59 | $702 | -11% |
Cheapest Car Insurance for High-Risk Drivers in Knoxville
- Cheapest for Bad Credit: GEICO (from $88 per month)
- Most Affordable With a DUI: Farm Bureau (from $43 per month)
- Lowest Cost With an Accident: Farm Bureau (from $27 per month)
- Cheapest Option With a Speeding Ticket: Farm Bureau (from $27 per month)
Cheapest Car Insurance for Bad Credit in Knoxville
If you have bad credit, you can get affordable coverage through GEICO and Nationwide, with minimum coverage starting at $88 per month and full coverage at $191 per month.
| Geico | $88 | $1,060 | -34% |
| Erie Insurance | $95 | $1,144 | -29% |
| Farm Bureau | $97 | $1,158 | -28% |
| Penn National Insurance | $103 | $1,234 | -23% |
| Auto Owners | $109 | $1,303 | -19% |
Cheapest Car Insurance With a DUI in Knoxville
For drivers with a DUI, Farm Bureau offers the lowest car rates and 43% savings on minimum coverage compared to the city average. For full coverage, Farmers offers a more affordable option, reducing premiums by 27%
| Farm Bureau | $43 | $513 | -43% |
| State Farm | $45 | $543 | -40% |
| Travelers | $56 | $677 | -25% |
| Farmers | $62 | $747 | -18% |
| Auto Owners | $76 | $917 | 1% |
Cheapest Car Insurance With an Accident in Knoxville
If you have an at-fault accident, you get the best rates from Farm Bureau, starting at $27 per month.
| Farm Bureau | $27 | $326 | -59% |
| State Farm | $49 | $591 | -25% |
| Auto Owners | $52 | $622 | -21% |
| Travelers | $53 | $640 | -19% |
| Erie Insurance | $60 | $716 | -9% |
Cheapest Car Insurance With a Speeding Ticket in Knoxville
Farm Bureau provides the cheapest option, charging $27 per month for minimum coverage and $83 per month for full coverage.
| Farm Bureau | $27 | $326 | -53% |
| Auto Owners | $41 | $490 | -29% |
| Erie Insurance | $42 | $500 | -28% |
| State Farm | $45 | $543 | -21% |
| Penn National Insurance | $51 | $617 | -11% |
Best Car Insurance Companies in Knoxville
Auto-Owners is the highest rated in Knoxville with a MoneyGeek score of 96.79. It offers good customer service, claims handling and competitive pricing. Travelers follows at 91.52, offering strong digital tools and reliable coverage.
Both insurers have low complaint ratios with the Tennessee Department of Insurance.
| Auto-Owners | 97 | 1 | 1 | 6 |
| Travelers | 92 | 3 | 3 | 5 |
| Erie | 89 | 5 | 2 | 3 |
| Farm Bureau | 88 | 2 | 5 | 8 |
| Farmers | 84 | 4 | 10 | 1 |
Auto-Owners: Best Cheap Overall
pros
Most affordable overall
Best customer experience
cons
Weaker add-on coverage selection
Less affordable minimum coverage than some providers
COMPANY HIGHLIGHTS
Auto-Owners earns our top spot for best cheap car insurance in Knoxville despite weaker coverage add-on selection, thanks to their extremely affordable rates and excellent customer experience that delivers 29% average savings for most drivers. The company also ties for best agent service and holds the second-best multi-platform forum ratings from customers in our study.
How Much Is Car Insurance in Knoxville?
Knoxville has some of Tennessee's most competitive rates at $548 per year for minimum coverage and $1,183 for full coverage.
Farm Bureau offers minimum coverage at $326. Tennessee's minimum coverage requirements remain reasonable, and Knoxville's lower accident rates compared to Nashville or Memphis contribute to competitive premiums.
Residents who bundle policies and maintain clean records get more affordable premiums.
| Full Coverage | $99 | $1,183 |
| Minimum Coverage | $46 | $548 |
Knoxville Car Insurance Costs by ZIP Code
In Knoxville, car insurance rates by ZIP code range from $43 to $109 per month. ZIP code 37919 is the most expensive, while 37932 is the cheapest. Check the average rates for your ZIP code below.
Data filtered by:
37902
| 37902 | $45 | $98 |
How to Get the Best Cheap Knoxville Car Insurance
Finding affordable car insurance in Knoxville can feel overwhelming, with local rates running higher than many other Tennessee cities. Our step-by-step guide shows you exactly how to lower your costs while getting the right coverage for your needs.
- 1Calculate your coverage needs first
Start by deciding exactly how much coverage you need for your Knoxville driving situation. Consider your car's value, your savings, and local traffic conditions. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific circumstances.
- 2Explore different coverage types
Look into various types of car insurance to find the best fit. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best option.
- 3Know what others pay
Check average vehicle insurance costs in Knoxville to set realistic expectations. This helps you recognize good deals and avoid overpaying. Understanding local rates gives you leverage when negotiating with insurance providers.
- 4Stack up available discounts
Maximize your savings with every available car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for good driving records, safety features and automatic payments.
- 5Check company reputation and service
Research each insurer's customer service record and claims process in Knoxville. Look for companies with a strong local presence and positive reviews. Check their financial strength ratings and complaint history with the Tennessee Department of Commerce and Insurance.
- 6Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7Review your policy yearly
Mark your calendar to review your coverage annually. Life changes, driving habits, and insurance rates shift over time. Regular reviews ensure you maintain the right coverage at the best price. Watch for new discounts or better rates from competitors.
Cheapest Car Insurance in Knoxville: Bottom Line
Car insurance rates in Knoxville depend on your driving record, vehicle and other personal factors. While Auto-Owners and Farm Bureau offer the lowest average premiums in the area, you'll want to compare quotes from multiple providers to find your best rate.
Cheap Knoxville Car Insurance: FAQ
Looking for affordable car insurance in Knoxville? Our FAQ section provides clear answers about finding the right coverage at the best rates. We help you understand your options and make smart choices that protect your finances without overpaying.
What is the cheapest car insurance company in Knoxville, Tennessee?
Farm Bureau offers the lowest rates in Knoxville, with minimum coverage at $326. For full coverage, Auto-Owners leads at $930. Compare quotes as rates vary by personal factors.
Who offers the best car insurance in Knoxville?
Auto-Owners offers Knoxville's best car insurance with a MoneyGeek score of 97 out of 100, scoring five points higher than Travelers. The company excels in both affordability and customer service.
What is the average cost of car insurance in Knoxville?
In Knoxville, drivers pay $1,183 for full coverage and $548 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Knoxville expensive?
In Knoxville, car insurance costs more than in most Tennessee cities, ranking 356th for minimum coverage affordability and 364th for full coverage affordability statewide.
How We Chose the Best and Cheapest Car Insurance in Knoxville, TN
To help Knoxville drivers find the most affordable auto insurance companies, MoneyGeek analyzed Knoxville auto insurance rates based on data and information from the Tennessee Department of Commerce and Insurance and Quadrant Information Services. We studied all ZIP codes in Knoxville and hundreds of thousands of quotes for 12 companies offering auto insurance in Tennessee to tailor options as closely as possible to you.
Knoxville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Knoxville with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Knoxville
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Tennessee are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Knoxville based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
