Compare the Cheapest Car Insurance Quotes in Knoxville, TN

In Knoxville, the average annual car insurance cost is $801, which is $217 lower than the state average. MoneyGeek rated various insurance companies based on coverage levels and driver profiles. The cheapest widely available insurer is GEICO, at $623 per year on average. MoneyGeek also recommends the best insurers in Knoxville to help drivers find affordable, high-quality service.

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The Cheapest and Best Car Insurance in Knoxville

The Cheapest Car Insurance Companies in Knoxville

The two most affordable companies for a full coverage car insurance policy in Knoxville are:

  • USAA: $572 annually (only serving current and former military members)
  • GEICO: $623 annually

To find the cheapest insurance companies in Knoxville, MoneyGeek used a 40-year-old male driver's profile with a full coverage policy, including liability insurance and comprehensive and collision coverage.

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Average Cost of Car Insurance in Knoxville

Knoxville$801
Tennessee$1,018
U.S.$1,424

An average driver living in Knoxville pays $801 annually for car insurance. However, rates may be higher or lower based on factors such as the driver’s age, miles driven per year and coverage level. The city’s average car insurance rate is 21.3% lower than the state average annual premium and nearly 50% lower than the United States’ average yearly premium of $1,424.

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The Best Car Insurance Companies in Knoxville

MoneyGeek used a unique scoring system to rank the best insurance providers in Knoxville and help drivers looking for a balance of affordability and quality service. The best two insurance providers for most drivers are:

  • Erie: MoneyGeek score of 93 out of 100
  • Auto-owners: MoneyGeek score of 90 out of 100

USAA received the highest score in Knoxville by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek calculated scores out of 100 using data from J.D. Power's customer loyalty, financial strength and affordability ratings, among other criteria.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:93

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:83

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
MetLife
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
National General
Score:73

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Knoxville

In Knoxville, car insurance providers base their annual premiums on factors such as the driver’s age, ZIP code, credit score and marital status. How your circumstances change based on these factors affects the cost of your auto insurance policy. The best way to find the cheapest rates and increase your chances of getting discounts and rebates is by comparing personalized quotes from different providers.

Shopping around for car insurance in Knoxville could save you $178, which is enough to buy:


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59Cups of Coffee
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14Months of Your Favorite Streaming Service

Cheapest Car Insurance in Knoxville by Coverage Amount

In Knoxville and elsewhere, the amount of coverage you purchase is one of the main factors influencing the insurance costs. An insurance policy meeting the state minimums and covering bodily injuries and property damage in Knoxville will cost an average of $387 yearly. In contrast, a full coverage policy with higher liability limits typically costs more than twice as much.

Tennessee Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.

When looking for the best insurance rates in Knoxville, you will need to choose from various levels of coverage. The most affordable car insurance option is the state minimum liability plan, which costs $296 annually from GEICO.

A 50/100/50 liability only plan from the same company costs an average of $339, while a 50/100/50 full coverage plan costs $581 on average. Both plans allow you to claim $50,000 worth of medical bills per person, $100,000 per vehicle and $50,000 for property damage. However, the liability only plan excludes coverage for personal injuries and damages.

A 100/300/100 full coverage plan offers higher limits than the 50/100/50 full coverage plan. If only a small difference exists between the two plans, the 100/300/100 coverage is a better option. For example, Erie charges $631 for the 50/100/50 full coverage plan and only $42 more for the 100/300/100 full coverage plan.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Knoxville if You Have Driving Violations

Maintaining a clean driving record in Knoxville can help keep your car insurance rates low. Violations such as speeding tickets, driving under the influence (DUI) and at-fault accidents can increase insurance rates dramatically.

On average, a driver with no violations pays $676 per year for car insurance. However, if you have a DUI or speeding ticket, the rate increases by about $62. An at-fault accident can increase your premium by about $125.

Average Cost of Car Insurance by Postal Code

Where you live can impact the cost of your car insurance. Drivers who live in the 37918 ZIP code — the least expensive — pay $795 on average for auto insurance. Drivers in the most expensive ZIP code — 37920 — pay $11 more per year, for a total of $806.

  • Zip Code
    State Minimumper year
  • 37918
    $795
  • 37920
    $806

Factors That Impact Insurance Costs in Knoxville

In addition to individual driver needs and history, location-specific factors like the rate of fatal accidents and the percentage of uninsured motorists also contribute to car insurance rates in Knoxville. How Knoxville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities1st/300
handcuffs2 icon
Most Car Thefts98th/300
uninsured icon
Most Uninsured Motorists by State5th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall47th/300
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Most Rainy Days48th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Knoxville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.