In Knoxville, Farm Bureau offers the lowest minimum coverage rate at $326 per year, while Auto-Owners provides the most affordable full coverage at $930 annually. Erie, Travelers and Farmers also offer competitive rates in the city.
Car Insurance in Knoxville
Updated: August 10, 2025
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Key Takeaways
The cheapest car insurance companies in Knoxville are Auto-Owners, Farm Bureau and Travelers.
On average Knoxville car insurance costs $99 per month for full coverage and $46 for minimum coverage.
To get the best cheap auto insurance in Knoxville, we recommend deciding on coverage beforehand, doing plenty of research and comparing quotes from multiple sources.
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% |
Compare the Cheapest Knoxville Car Insurance for You
Your car insurance rates depend heavily on your driving record and personal details. Check the table below to find which companies offer the cheapest rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $79 | $947 | -45% |
| Travelers | $112 | $1,342 | -22% |
| State Farm | $132 | $1,588 | -8% |
| Farmers | $133 | $1,600 | -7% |
| Auto Owners | $135 | $1,615 | -6% |
Cheapest Car Insurance by Age Group in Knoxville
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Knoxville, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Farm Bureau (from $76 per month)
- Cheapest Car Insurance for Adults: Farm Bureau (from $27 per month)
- Cheapest Car Insurance for Seniors: Farm Bureau (from $32 per month)
Cheapest Car Insurance for Young Drivers in Knoxville
Farm Bureau and Erie provide the most affordable car insurance options for young drivers in Knoxville, with monthly rates starting at $76 and $81, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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
Farm Bureau offers the lowest car insurance rates for adult drivers in Knoxville, with premiums 43% below the city average. State Farm and Farmers also provide affordable options for drivers ages 26 to 64.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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
For senior drivers in Knoxville, Farm Bureau provides the lowest minimum coverage rates at $32 monthly and $88 for full coverage monthly.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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
These insurance companies offer the lowest rates for high-risk drivers in Knoxville:
- Cheapest for Bad Credit: GEICO (from $88 per month)
- Cheapest With a DUI: Farm Bureau (from $43 per month)
- Cheapest With an Accident: Farm Bureau (from $27 per month)
- Cheapest With a Speeding Ticket: Farm Bureau (from $27 per month)
Cheapest Car Insurance for Bad Credit in Knoxville
In Knoxville, the cheapest monthly premium for bad credit drivers is $88 for minimum coverage from GEICO and $191 for full coverage from Nationwide. These rates give drivers with poor credit affordable options for both basic and comprehensive protection.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| 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
Farm Bureau offers the cheapest car insurance rates in Knoxville for drivers with a DUI. You can save up to 43% on minimum coverage. Farmers offers the cheapest full coverage; you can save up to 27% with this insurer.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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
Farm Bureau offers the lowest car insurance rates for Knoxville drivers with accidents, starting at $27 per month. Their minimum liability coverage costs 59% less than the city average.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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
For Knoxville drivers with a speeding ticket, Farm Bureau offers the cheapest minimum coverage at $27 per month, and it provides the most affordable full coverage at $83 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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
In Knoxville, the top car insurance companies are Auto-Owners, Travelers, Erie , Farm Bureau and Farmers. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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?
In Knoxville, minimum coverage costs about $46 per month or $548 per year, ranking 356th out of all Tennessee cities for affordability. Full coverage averages $99 monthly or $1,183 annually, ranking 364th among Tennessee cities.
| Full Coverage | $99 | $1,183 |
| Minimum Coverage | $46 | $548 |
Compare Personalized Knoxville Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, this table lets you filter Knoxville car insurance costs based on your specific combination of age, driving record and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $146 | $1,758 | -2% |
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.
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Zip Code: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.
- 1
Calculate 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.
- 2
Explore 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.
- 3
Know 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.
- 4
Stack 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.
- 5
Check 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.
- 6
Get 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.
- 7
Review 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.