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Auto-Owners Insurance Co offers Knoxville drivers the cheapest rates for minimum coverage car insurance. USAA is the most affordable for military-affiliated drivers. State Farm is the cheapest for full coverage, drivers with speeding tickets, DUIs and at-fault accidents. Nationwide is the cheapest option for teen drivers. If you want excellent service, Chubb is the ideal option.

Your driver profile and needs may affect which company is the most affordable for you.

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2023

Cheapest and Best Car Insurance in Knoxville, TN

Cheapest Minimum Liability Car Insurance in Knoxville

A minimum coverage car insurance policy in Knoxville is cheapest from the following companies:

  • Auto-Owners Insurance Co: $224 per year
  • State Farm: $252 per year

The most expensive company for minimum coverage is Allstate, with an annual average of $537. Tennessee Farm Bureau offers the most affordable car insurance in Tennessee at $276 annually as of October 2022, making Knoxville slightly more expensive for the company than the state as a whole and demonstrating how location impacts premiums.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$224

$19

Auto-Owners Insurance Co

$225

$19

State Farm

$237

$20

State Farm

$252

$21

Cincinnati Insurance

$269

$22

Erie

$280

$23

Tennessee Farm Bureau

$283

$24

Erie

$283

$24

Tennessee Farm Bureau

$296

$25

Westfield

$303

$25

State Farm

$307

$26

Cincinnati Insurance

$315

$26

Auto-Owners Insurance Co

$322

$27

Westfield

$334

$28

Grange Insurance

$339

$28

Grange Insurance

$341

$28

Farmers

$355

$30

Westfield

$356

$30

GEICO

$362

$30

Farmers

$370

$31

Grange Insurance

$375

$31

Erie

$378

$32

Cincinnati Insurance

$393

$33

GEICO

$396

$33

Chubb

$396

$33

Tennessee Farm Bureau

$397

$33

American National P&C

$402

$34

Chubb

$429

$36

Travelers

$435

$36

Farmers

$438

$37

Progressive

$444

$37

GEICO

$454

$38

Nationwide

$460

$38

American National P&C

$462

$39

Nationwide

$469

$39

Progressive

$475

$40

Travelers

$481

$40

American National P&C

$482

$40

Travelers

$485

$40

Nationwide

$524

$44

Allstate

$537

$45

Allstate

$543

$45

State Farm

$547

$46

Auto-Owners Insurance Co

$572

$48

Allstate

$578

$48

Progressive

$591

$49

State Farm

$595

$50

Auto-Owners Insurance Co

$599

$50

Farmers

$656

$55

Cincinnati Insurance

$667

$56

Nationwide

$675

$56

Erie

$678

$57

Erie

$684

$57

Farmers

$690

$57

Chubb

$714

$60

Nationwide

$725

$60

Tennessee Farm Bureau

$747

$62

Westfield

$756

$63

Grange Insurance

$757

$63

Westfield

$758

$63

State Farm

$765

$64

GEICO

$788

$66

GEICO

$801

$67

Grange Insurance

$826

$69

Cincinnati Insurance

$832

$69

Farmers

$836

$70

Tennessee Farm Bureau

$849

$71

Nationwide

$850

$71

Auto-Owners Insurance Co

$869

$72

Allstate

$908

$76

Erie

$910

$76

Grange Insurance

$919

$77

Travelers

$945

$79

Travelers

$951

$79

Allstate

$964

$80

Westfield

$970

$81

Allstate

$978

$81

American National P&C

$992

$83

Chubb

$1,003

$84

American National P&C

$1,014

$85

GEICO

$1,029

$86

Cincinnati Insurance

$1,040

$87

Travelers

$1,116

$93

Progressive

$1,126

$94

Chubb

$1,133

$94

Tennessee Farm Bureau

$1,178

$98

Progressive

$1,237

$103

American National P&C

$1,282

$107

Progressive

$1,608

$134

Chubb

$1,660

$138

Liability limits for minimum coverage insurance are set by state law. In Tennessee, this coverage extends to bodily injury and personal property damage with the following amounts:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Liability-only coverage is designed to cover the costs of damage to other drivers and passengers in case you're at fault in an accident. This insurance policy can help you manage medical expenses, with a coverage limit of $25,000 per person and $50,000 per incident. Any costs above this limit are your responsibility.

Cheapest Full Coverage Car Insurance in Knoxville

The least expensive full coverage car insurance in Knoxville is from the following companies:

  • State Farm: approximately $595 annually
  • Auto-Owners Insurance Co: $599 per year

Progressive is the most expensive company for full coverage at around $1,237 per year. The cheapest car insurance company for full coverage in Tennessee state is Erie, at an average rate of $768 per year as of October 2022.

Full coverage insurance with State Farm is slightly cheaper in Knoxville than in the rest of the state, demonstrating how location can impact policy costs.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$224

$19

Auto-Owners Insurance Co

$225

$19

State Farm

$237

$20

State Farm

$252

$21

Cincinnati Insurance

$269

$22

Erie

$280

$23

Tennessee Farm Bureau

$283

$24

Erie

$283

$24

Tennessee Farm Bureau

$296

$25

Westfield

$303

$25

State Farm

$307

$26

Cincinnati Insurance

$315

$26

Auto-Owners Insurance Co

$322

$27

Westfield

$334

$28

Grange Insurance

$339

$28

Grange Insurance

$341

$28

Farmers

$355

$30

Westfield

$356

$30

GEICO

$362

$30

Farmers

$370

$31

Grange Insurance

$375

$31

Erie

$378

$32

Cincinnati Insurance

$393

$33

GEICO

$396

$33

Chubb

$396

$33

Tennessee Farm Bureau

$397

$33

American National P&C

$402

$34

Chubb

$429

$36

Travelers

$435

$36

Farmers

$438

$37

Progressive

$444

$37

GEICO

$454

$38

Nationwide

$460

$38

American National P&C

$462

$39

Nationwide

$469

$39

Progressive

$475

$40

Travelers

$481

$40

American National P&C

$482

$40

Travelers

$485

$40

Nationwide

$524

$44

Allstate

$537

$45

Allstate

$543

$45

State Farm

$547

$46

Auto-Owners Insurance Co

$572

$48

Allstate

$578

$48

Progressive

$591

$49

State Farm

$595

$50

Auto-Owners Insurance Co

$599

$50

Farmers

$656

$55

Cincinnati Insurance

$667

$56

Nationwide

$675

$56

Erie

$678

$57

Erie

$684

$57

Farmers

$690

$57

Chubb

$714

$60

Nationwide

$725

$60

Tennessee Farm Bureau

$747

$62

Westfield

$756

$63

Grange Insurance

$757

$63

Westfield

$758

$63

State Farm

$765

$64

GEICO

$788

$66

GEICO

$801

$67

Grange Insurance

$826

$69

Cincinnati Insurance

$832

$69

Farmers

$836

$70

Tennessee Farm Bureau

$849

$71

Nationwide

$850

$71

Auto-Owners Insurance Co

$869

$72

Allstate

$908

$76

Erie

$910

$76

Grange Insurance

$919

$77

Travelers

$945

$79

Travelers

$951

$79

Allstate

$964

$80

Westfield

$970

$81

Allstate

$978

$81

American National P&C

$992

$83

Chubb

$1,003

$84

American National P&C

$1,014

$85

GEICO

$1,029

$86

Cincinnati Insurance

$1,040

$87

Travelers

$1,116

$93

Progressive

$1,126

$94

Chubb

$1,133

$94

Tennessee Farm Bureau

$1,178

$98

Progressive

$1,237

$103

American National P&C

$1,282

$107

Progressive

$1,608

$134

Chubb

$1,660

$138

A full coverage policy not only raises the limits of liability insurance but also incorporates comprehensive and collision coverage.

  • Collision Insurance: Covers the cost of repairs to your vehicle in case of an accident, regardless of who is at fault.
  • Comprehensive Insurance: Covers non-collision damages such as theft, natural disasters and other unexpected events.

For individuals with newer vehicles, full coverage is recommended. However, the added cost of full coverage may not be worth the investment for older vehicles.

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Cheapest Car Insurance in Knoxville After a Driving Offense

According to our calculations, these are Knoxville’s cheapest car insurance companies if you have the following driving offenses on your record:

  • Speeding ticket: State Farm (approximately $654 per year)
  • At-fault accident: State Farm ($713 per year)
  • DUI: State Farm (approximately $654 per year)

After an infraction such as a speeding ticket, accident or DUI, car insurance premiums can skyrocket, even for the most affordable providers. Expect to see higher annual rates with Progressive (roughly $1,630), Progressive (around $2,212) and Chubb (approximately $4,622), respectively. Poor driving records can impact rates. The cheapest company’s rates for poor records usually won’t be cheap compared to safe driving costs.

Company
Annual Premium
Monthly Premium

State Farm

$264

$22

State Farm

$264

$22

State Farm

$280

$23

State Farm

$280

$23

Tennessee Farm Bureau

$283

$24

Tennessee Farm Bureau

$283

$24

State Farm

$290

$24

Erie

$292

$24

Tennessee Farm Bureau

$296

$25

Tennessee Farm Bureau

$296

$25

Erie

$296

$25

State Farm

$308

$26

Auto-Owners Insurance Co

$316

$26

Auto-Owners Insurance Co

$319

$27

Cincinnati Insurance

$321

$27

State Farm

$341

$28

State Farm

$341

$28

Westfield

$363

$30

State Farm

$375

$31

Cincinnati Insurance

$375

$31

Erie

$386

$32

Erie

$386

$32

Erie

$394

$33

Tennessee Farm Bureau

$397

$33

Tennessee Farm Bureau

$397

$33

GEICO

$400

$33

Westfield

$401

$33

Auto-Owners Insurance Co

$409

$34

Auto-Owners Insurance Co

$412

$34

Westfield

$428

$36

Farmers

$437

$36

GEICO

$439

$37

Tennessee Farm Bureau

$443

$37

Chubb

$451

$38

Auto-Owners Insurance Co

$456

$38

Grange Insurance

$458

$38

Tennessee Farm Bureau

$465

$39

Grange Insurance

$468

$39

Cincinnati Insurance

$469

$39

Erie

$477

$40

Erie

$477

$40

American National P&C

$488

$41

GEICO

$489

$41

Chubb

$489

$41

Farmers

$491

$41

Grange Insurance

$503

$42

Nationwide

$504

$42

Farmers

$505

$42

Grange Insurance

$508

$42

Erie

$514

$43

Nationwide

$514

$43

Farmers

$518

$43

Westfield

$521

$43

Progressive

$532

$44

Farmers

$533

$44

Grange Insurance

$544

$45

Westfield

$553

$46

Grange Insurance

$557

$46

GEICO

$559

$47

American National P&C

$560

$47

Progressive

$565

$47

Farmers

$569

$47

Nationwide

$569

$47

Travelers

$573

$48

Cincinnati Insurance

$574

$48

Westfield

$575

$48

Grange Insurance

$580

$48

American National P&C

$580

$48

Allstate

$582

$48

American National P&C

$584

$49

Grange Insurance

$587

$49

Farmers

$587

$49

Allstate

$589

$49

Farmers

$590

$49

Auto-Owners Insurance Co

$591

$49

Nationwide

$597

$50

Travelers

$600

$50

State Farm

$602

$50

State Farm

$602

$50

Travelers

$605

$50

Nationwide

$611

$51

Farmers

$617

$51

Cincinnati Insurance

$617

$51

Auto-Owners Insurance Co

$618

$51

Auto-Owners Insurance Co

$623

$52

Tennessee Farm Bureau

$627

$52

GEICO

$628

$52

Allstate

$629

$52

Travelers

$632

$53

Progressive

$632

$53

Erie

$633

$53

Grange Insurance

$644

$54

State Farm

$654

$55

State Farm

$654

$55

American National P&C

$656

$55

State Farm

$657

$55

Progressive

$658

$55

Allstate

$661

$55

Travelers

$666

$56

American National P&C

$666

$56

Allstate

$671

$56

Allstate

$674

$56

Nationwide

$681

$57

Chubb

$681

$57

Progressive

$682

$57

Cincinnati Insurance

$682

$57

Travelers

$682

$57

Allstate

$684

$57

Nationwide

$686

$57

GEICO

$691

$58

GEICO

$692

$58

American National P&C

$696

$58

Travelers

$696

$58

Nationwide

$700

$58

Erie

$704

$59

Erie

$709

$59

State Farm

$713

$59

Allstate

$722

$60

Travelers

$724

$60

Cincinnati Insurance

$730

$61

Allstate

$736

$61

Chubb

$743

$62

Tennessee Farm Bureau

$747

$62

Tennessee Farm Bureau

$747

$62

Progressive

$756

$63

American National P&C

$756

$63

GEICO

$757

$63

Nationwide

$770

$64

Nationwide

$784

$65

American National P&C

$790

$66

Cincinnati Insurance

$791

$66

GEICO

$794

$66

Travelers

$798

$67

Chubb

$820

$68

Nationwide

$834

$69

Auto-Owners Insurance Co

$835

$70

Cincinnati Insurance

$841

$70

State Farm

$843

$70

State Farm

$843

$70

Tennessee Farm Bureau

$849

$71

Tennessee Farm Bureau

$849

$71

Auto-Owners Insurance Co

$870

$73

Progressive

$875

$73

Farmers

$891

$74

Auto-Owners Insurance Co

$892

$74

GEICO

$897

$75

Erie

$898

$75

Farmers

$899

$75

Erie

$899

$75

Cincinnati Insurance

$905

$75

Westfield

$907

$76

Westfield

$910

$76

State Farm

$920

$77

GEICO

$934

$78

Erie

$944

$79

Nationwide

$959

$80

Farmers

$969

$81

Progressive

$973

$81

Cincinnati Insurance

$988

$82

Farmers

$989

$82

Nationwide

$1,004

$84

Allstate

$1,009

$84

Farmers

$1,016

$85

Progressive

$1,017

$85

Westfield

$1,024

$85

Farmers

$1,034

$86

Farmers

$1,035

$86

Auto-Owners Insurance Co

$1,055

$88

Westfield

$1,056

$88

Nationwide

$1,069

$89

Allstate

$1,076

$90

Westfield

$1,078

$90

Allstate

$1,090

$91

Erie

$1,091

$91

Auto-Owners Insurance Co

$1,093

$91

Erie

$1,093

$91

Grange Insurance

$1,108

$92

Farmers

$1,115

$93

GEICO

$1,127

$94

Grange Insurance

$1,134

$95

American National P&C

$1,138

$95

Grange Insurance

$1,139

$95

Chubb

$1,140

$95

Grange Insurance

$1,143

$95

American National P&C

$1,158

$97

Farmers

$1,164

$97

Westfield

$1,164

$97

Westfield

$1,175

$98

Westfield

$1,177

$98

Allstate

$1,178

$98

Tennessee Farm Bureau

$1,178

$98

Tennessee Farm Bureau

$1,178

$98

Tennessee Farm Bureau

$1,186

$99

Erie

$1,198

$100

Allstate

$1,218

$102

Nationwide

$1,223

$102

Nationwide

$1,231

$103

Cincinnati Insurance

$1,235

$103

Grange Insurance

$1,236

$103

American National P&C

$1,246

$104

Allstate

$1,263

$105

Chubb

$1,264

$105

Auto-Owners Insurance Co

$1,271

$106

Allstate

$1,275

$106

GEICO

$1,280

$107

American National P&C

$1,284

$107

Nationwide

$1,288

$107

Chubb

$1,293

$108

Allstate

$1,309

$109

Allstate

$1,321

$110

Travelers

$1,324

$110

Grange Insurance

$1,333

$111

American National P&C

$1,338

$112

GEICO

$1,344

$112

Tennessee Farm Bureau

$1,348

$112

Grange Insurance

$1,374

$115

Travelers

$1,376

$115

Cincinnati Insurance

$1,381

$115

Progressive

$1,386

$116

American National P&C

$1,388

$116

Westfield

$1,390

$116

Progressive

$1,410

$117

Travelers

$1,412

$118

American National P&C

$1,448

$121

Nationwide

$1,449

$121

Erie

$1,451

$121

Travelers

$1,453

$121

Grange Insurance

$1,455

$121

Travelers

$1,478

$123

GEICO

$1,482

$123

Travelers

$1,512

$126

Travelers

$1,516

$126

Cincinnati Insurance

$1,532

$128

Auto-Owners Insurance Co

$1,547

$129

American National P&C

$1,578

$132

Auto-Owners Insurance Co

$1,591

$133

Chubb

$1,602

$134

GEICO

$1,603

$134

Auto-Owners Insurance Co

$1,604

$134

Grange Insurance

$1,619

$135

GEICO

$1,620

$135

Progressive

$1,630

$136

Travelers

$1,632

$136

Travelers

$1,663

$139

Progressive

$1,676

$140

American National P&C

$1,690

$141

Chubb

$1,714

$143

GEICO

$1,724

$144

Cincinnati Insurance

$1,731

$144

Chubb

$1,754

$146

Progressive

$1,784

$149

Tennessee Farm Bureau

$1,876

$156

Chubb

$1,901

$158

Cincinnati Insurance

$1,918

$160

Chubb

$1,957

$163

Progressive

$2,030

$169

Westfield

$2,142

$179

Westfield

$2,145

$179

Cincinnati Insurance

$2,157

$180

Progressive

$2,212

$184

Auto-Owners Insurance Co

$2,349

$196

Progressive

$2,350

$196

Westfield

$2,357

$196

Cincinnati Insurance

$2,397

$200

Progressive

$2,687

$224

Chubb

$2,921

$243

Chubb

$3,045

$254

Chubb

$4,022

$335

Chubb

$4,622

$385

Chubb

$7,008

$584

In Knoxville, the cost of car insurance can increase based on the severity of driving offenses. Individuals with a DUI on their record may pay a minimum of $764 more in car insurance premiums, while those with tickets may pay around $178 more.

Finding affordable car insurance with bad driving records is still possible.

Cheapest Car Insurance in Knoxville for Teens and Their Families

For teenage drivers on a family policy, the least expensive auto insurers in Knoxville are:

  • Nationwide: approximately $1,136 per year for female teens; $1,286 per year for male teens
  • Farmers: approximately $1,606 per year for female teens; $1,702 per year for male teens

The most expensive company for teens is Progressive, where families will pay $2,801 or $3,049 per year to add a female or male teen to a policy. Male teens tend to pay higher car insurance rates than female teens due to the higher perceived risk, as evidenced by the $150 price difference from Nationwide. This difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$789

$1,398

Nationwide

$794

$1,496

Farmers

$813

$1,498

Nationwide

$831

$1,950

State Farm

$832

$1,720

Farmers

$871

$1,672

Nationwide

$873

$1,547

Nationwide

$876

$2,249

Nationwide

$905

$1,842

Nationwide

$919

$1,628

Nationwide

$922

$1,736

State Farm

$933

$1,927

Nationwide

$952

$2,105

State Farm

$963

$1,954

Nationwide

$976

$1,839

State Farm

$983

$2,362

State Farm

$1,024

$2,116

Auto-Owners Insurance Co

$1,033

$2,897

Auto-Owners Insurance Co

$1,045

$2,840

State Farm

$1,049

$2,567

Nationwide

$1,062

$3,527

Nationwide

$1,069

$3,014

Nationwide

$1,090

$2,557

State Farm

$1,095

$2,221

Auto-Owners Insurance Co

$1,097

$2,982

Travelers

$1,123

$1,887

Allstate

$1,132

$1,600

Auto-Owners Insurance Co

$1,136

$3,184

Nationwide

$1,136

$3,898

Auto-Owners Insurance Co

$1,140

$3,420

Farmers

$1,153

$1,286

Allstate

$1,160

$1,614

Auto-Owners Insurance Co

$1,161

$3,155

State Farm

$1,162

$2,797

Farmers

$1,172

$1,308

Nationwide

$1,173

$3,898

Farmers

$1,179

$1,316

Farmers

$1,194

$1,419

Allstate

$1,197

$2,148

Auto-Owners Insurance Co

$1,198

$3,881

Nationwide

$1,199

$4,495

GEICO

$1,200

$1,792

Nationwide

$1,204

$3,882

State Farm

$1,210

$2,961

State Farm

$1,210

$3,358

Travelers

$1,212

$1,976

State Farm

$1,213

$2,460

Farmers

$1,213

$1,394

Nationwide

$1,224

$3,141

Allstate

$1,224

$1,731

GEICO

$1,227

$1,849

Auto-Owners Insurance Co

$1,233

$4,294

Farmers

$1,236

$1,420

Auto-Owners Insurance Co

$1,237

$3,468

GEICO

$1,238

$1,849

GEICO

$1,249

$1,883

Farmers

$1,252

$5,400

GEICO

$1,253

$2,609

Travelers

$1,256

$2,110

Farmers

$1,256

$1,443

Farmers

$1,259

$2,877

Travelers

$1,266

$2,325

Farmers

$1,271

$1,584

Allstate

$1,271

$2,388

Allstate

$1,272

$4,795

Nationwide

$1,286

$4,988

Allstate

$1,288

$2,082

Auto-Owners Insurance Co

$1,291

$3,641

GEICO

$1,295

$2,781

State Farm

$1,299

$3,119

Travelers

$1,299

$2,183

GEICO

$1,307

$1,953

Farmers

$1,316

$3,097

Allstate

$1,321

$1,838

Farmers

$1,322

$5,850

Allstate

$1,323

$1,871

GEICO

$1,325

$2,323

Nationwide

$1,330

$4,988

GEICO

$1,332

$2,008

GEICO

$1,364

$2,488

Allstate

$1,368

$2,164

Travelers

$1,380

$2,249

State Farm

$1,396

$3,862

Allstate

$1,400

$2,512

Farmers

$1,403

$2,586

Allstate

$1,412

$2,943

Travelers

$1,413

$2,523

Travelers

$1,422

$2,641

Auto-Owners Insurance Co

$1,425

$4,963

Auto-Owners Insurance Co

$1,432

$5,714

Auto-Owners Insurance Co

$1,433

$4,042

Allstate

$1,437

$1,999

Auto-Owners Insurance Co

$1,438

$4,490

Allstate

$1,454

$5,434

Farmers

$1,456

$6,279

Farmers

$1,465

$2,812

Travelers

$1,478

$2,409

State Farm

$1,530

$4,225

State Farm

$1,532

$3,678

Allstate

$1,538

$3,264

Farmers

$1,544

$6,832

GEICO

$1,561

$3,776

State Farm

$1,600

$4,428

Allstate

$1,605

$3,015

Farmers

$1,606

$9,099

State Farm

$1,608

$5,058

GEICO

$1,616

$3,364

Travelers

$1,641

$2,931

GEICO

$1,641

$4,121

Travelers

$1,648

$2,943

Travelers

$1,651

$3,380

Farmers

$1,702

$9,909

Progressive

$1,708

$2,638

GEICO

$1,708

$3,667

GEICO

$1,711

$4,625

Allstate

$1,717

$6,472

Allstate

$1,755

$8,573

State Farm

$1,780

$4,851

Progressive

$1,785

$2,762

GEICO

$1,850

$5,071

Allstate

$1,850

$8,230

Travelers

$1,858

$4,252

Allstate

$1,894

$7,076

Progressive

$1,899

$2,935

Travelers

$1,926

$3,440

Progressive

$1,932

$3,978

Travelers

$1,940

$4,028

Progressive

$1,956

$3,377

GEICO

$1,981

$5,354

Progressive

$2,016

$3,118

Progressive

$2,030

$3,137

State Farm

$2,039

$5,555

State Farm

$2,049

$6,343

GEICO

$2,091

$6,972

Progressive

$2,131

$3,851

GEICO

$2,173

$5,957

Progressive

$2,219

$4,687

Progressive

$2,235

$3,458

GEICO

$2,249

$7,465

Travelers

$2,257

$5,163

Travelers

$2,273

$5,202

Travelers

$2,354

$6,707

Auto-Owners Insurance Co

$2,364

$6,487

Auto-Owners Insurance Co

$2,378

$8,491

Progressive

$2,517

$6,206

Auto-Owners Insurance Co

$2,575

$7,598

Auto-Owners Insurance Co

$2,591

$7,112

Progressive

$2,606

$5,367

Progressive

$2,631

$12,925

Auto-Owners Insurance Co

$2,653

$10,457

Auto-Owners Insurance Co

$2,654

$9,479

Progressive

$2,801

$13,275

Travelers

$2,821

$6,452

Progressive

$2,877

$7,270

Progressive

$2,918

$14,736

Travelers

$2,934

$8,517

Progressive

$2,969

$6,271

Progressive

$3,049

$14,749

Progressive

$3,069

$15,073

Progressive

$3,311

$16,721

Including a teenage driver on a family car insurance policy is an effective way to lower the cost of coverage, as individual policies for teenagers tend to be more expensive.

In Knoxville, the yearly difference between an individual and family premium for a teen is $2,891. Families can significantly reduce their car insurance costs for teen drivers by comparing quotes and making informed decisions. Take the right steps to find the cheapest auto insurance for teens.

Cheapest Car Insurance in Knoxville for Military Drivers

The cheapest car insurance for current or former military members and their families in Knoxville are:

  • USAA: approximately $557 per year
  • State Farm: approximately $595 per year

The cheapest insurance companies for minimum coverage are USAA and Auto-Owners Insurance Co. These insurers charge a yearly average premium of $217 and $224, respectively. Auto-Owners Insurance Co bested State Farm for the second spot in affordability for minimum coverage policies.

Company
Annual Premium
Monthly Premium

USAA

$217

$18

USAA

$219

$18

Auto-Owners Insurance Co

$224

$19

Auto-Owners Insurance Co

$225

$19

State Farm

$237

$20

State Farm

$252

$21

Cincinnati Insurance

$269

$22

USAA

$280

$23

Erie

$280

$23

Tennessee Farm Bureau

$283

$24

Erie

$283

$24

Tennessee Farm Bureau

$296

$25

Westfield

$303

$25

State Farm

$307

$26

Cincinnati Insurance

$315

$26

Auto-Owners Insurance Co

$322

$27

Westfield

$334

$28

Grange Insurance

$339

$28

Grange Insurance

$341

$28

Farmers

$355

$30

Westfield

$356

$30

GEICO

$362

$30

Farmers

$370

$31

Grange Insurance

$375

$31

Erie

$378

$32

Cincinnati Insurance

$393

$33

GEICO

$396

$33

Chubb

$396

$33

Tennessee Farm Bureau

$397

$33

American National P&C

$402

$34

Chubb

$429

$36

Travelers

$435

$36

Farmers

$438

$37

Progressive

$444

$37

GEICO

$454

$38

Nationwide

$460

$38

American National P&C

$462

$39

Nationwide

$469

$39

Progressive

$475

$40

Travelers

$481

$40

American National P&C

$482

$40

Travelers

$485

$40

Nationwide

$524

$44

USAA

$534

$45

Allstate

$537

$45

Allstate

$543

$45

State Farm

$547

$46

USAA

$557

$46

Auto-Owners Insurance Co

$572

$48

Allstate

$578

$48

Progressive

$591

$49

State Farm

$595

$50

Auto-Owners Insurance Co

$599

$50

Farmers

$656

$55

Cincinnati Insurance

$667

$56

Nationwide

$675

$56

Erie

$678

$57

Erie

$684

$57

Farmers

$690

$57

USAA

$711

$59

Chubb

$714

$60

Nationwide

$725

$60

Tennessee Farm Bureau

$747

$62

Westfield

$756

$63

Grange Insurance

$757

$63

Westfield

$758

$63

State Farm

$765

$64

GEICO

$788

$66

GEICO

$801

$67

Grange Insurance

$826

$69

Cincinnati Insurance

$832

$69

Farmers

$836

$70

Tennessee Farm Bureau

$849

$71

Nationwide

$850

$71

Auto-Owners Insurance Co

$869

$72

Allstate

$908

$76

Erie

$910

$76

Grange Insurance

$919

$77

Travelers

$945

$79

Travelers

$951

$79

Allstate

$964

$80

Westfield

$970

$81

Allstate

$978

$81

American National P&C

$992

$83

Chubb

$1,003

$84

American National P&C

$1,014

$85

GEICO

$1,029

$86

Cincinnati Insurance

$1,040

$87

Travelers

$1,116

$93

Progressive

$1,126

$94

Chubb

$1,133

$94

Tennessee Farm Bureau

$1,178

$98

Progressive

$1,237

$103

American National P&C

$1,282

$107

Progressive

$1,608

$134

Chubb

$1,660

$138

How to Compare Cheap Knoxville Car Insurance Quotes Online

Finding the right car insurance policy in Knoxville, Tennessee can be tedious. With so many personal details required to receive an accurate quote, it takes 15 minutes or more to complete the process for each insurer.

We've simplified the process for you by creating a car insurance calculator. In just a few clicks, you'll get an estimate for your insurance policy based on factors such as your age, car model, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

Best Car Insurance in Knoxville: Summary

The ideal car insurance policy for you is the one that meets your unique needs and preferences. The best car insurance providers in Knoxville, Tennessee, include:

  • Best overall: Auto-Owners Insurance Co (MoneyGeek score of 81 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)

Scores vary based on weightings in each category. Eerie is the best car insurance in Tennessee, showing how the best insurer can vary by location.

With a score of 85 out of 100, USAA is also worth considering.

Best Overall Car Insurance in Knoxville

The best overall car insurance companies in Knoxville are:

  • Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 (approximately $599 per year)
  • Eerie: MoneyGeek score of 79 out of 100 (approximately $684 per year)

Auto-Owners performed well in coverage and affordability ratings, which are two important factors when determining the best overall insurer in the city.

USAA is also worth considering since it earned a score of 85 out of 100.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Good coverage score

High affordability ratings

Offers rental car/travel reimbursement, gap insurance and diminished value coverage

cons

Low claims experience rating

No new car replacement coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co is a reputable insurance company providing top-notch car insurance coverage. This insurer offers rental car/travel reimbursement coverage to help alleviate the financial burden when you cannot use your vehicle due to an accident. This coverage pays for the cost of a rental car and expenses such as lodging and food if you're stranded away from home.

This insurer offers gap insurance that helps protect you in the event of a total loss caused by an accident. If you are still paying off a loan or lease on your vehicle, this endorsement covers the gap between the current value of your car and the amount still owed, ensuring you're not left with outstanding payments on a car you can no longer use.

Its diminished value coverage protects your car investment in case of an accident, compensating you for any reduction in value even after repairs are made.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Knoxville for Customer Service

When cost is excluded from the scoring system, the best companies for customer service in Knoxville are:

  • Chubb: MoneyGeek score of 76 out of 100 (approximately $1,133 per year)
  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 (approximately $832 per year)

Chubb scored well in satisfaction and claims. Its affordability score is low, indicating that you will pay more for excellent service if you choose this company.

How was this MoneyGeek score calculated?

Chubb

pros

High claims experience rating

Good customer satisfaction rating

Rental car/travel reimbursement, antique/classic car coverage and original equipment manufacturer (OEM) coverage

cons

Low affordability rating

Doesn’t offer roadside assistance

COMPANY HIGHLIGHTS

Chubb is a leading global insurance company known for providing high-quality insurance products and exceptional customer service. It scored well in claims experience and customer satisfaction.

With Chubb's rental car reimbursement coverage, you can enjoy a seamless rental experience as it offers you the flexibility to rent a similar car. It offers optional coverage limits of up to $5,000 with no restrictions on daily usage.

This insurer offers antique/classic car coverage that covers vehicles over 30 years old, used for hobby purposes and as part of a collection. These vehicles must be kept in a garage and used for events like car shows, exhibitions, car club activities and parades.

Chubb ensures the use of original equipment manufacturer (OEM) parts and procedures for repair, maintaining your vehicle's safety in case of future accidents, unlike many other insurance providers who may opt for non-original parts.

Best Cheap Car Insurance in Knoxville

MoneyGeek analyzed car insurance providers' service quality and affordability that meet Tennessee’s minimum coverage requirements. The best insurance companies in Knoxville are:

  • Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 (approximately $224 per year)
  • Cincinnati Insurance: MoneyGeek score of 77 out of 100 (approximately $315 per year)

In Knoxville, policies with minimum coverage provide low insurance rates but limited protection against liability expenses. These policies do not provide protection for damages to your car in case of an accident.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

An affordable minimum coverage policy costs around $224 annually

Good coverage and claims scores

Bundling and honing device discount

cons

Average customer satisfaction rating

No defensive driving discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers comprehensive coverage options for drivers in Knoxville. It offers an affordable annual premium with a cost of around $224, a bundling discount and honing device discount.

When you purchase life insurance with this insurer, you’ll qualify for a discount on your auto insurance. The Teen Driver Monitoring Discount offered is based on the use of a Global Positioning System (GPS) device installed in the primary vehicle driven by your teen or if they are enrolled in a qualifying smartphone app.

Among the more unique discounts offered by this insurer is a responsible payment discount. You can receive this discount for consistently paying your premiums each month for 36 months. You can even get a discount for requesting a quote prior to purchasing a policy.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Knoxville

The average cost of auto insurance in Knoxville for full coverage is $838 per year. This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The city’s average car insurance cost is $62 cheaper than the average full coverage cost in Tennessee and around $427 cheaper than the national average as of October 2022. The location where you reside plays a role in determining the cost of your car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.