Cheap Car Insurance in Knoxville, TN

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...

Licensed Insurance Agent

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...

Licensed Insurance Agent

UPDATED: Nov 15, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you in need of cheap auto insurance in Knoxville, TN? From AutoInsuranceEZ.com, you could find the best insurance premiums in your city. In order to obtain free car insurance quotes available from the leading providers right now, type in your local zipcode within the quote box here on this page.

Knoxville, Tennessee serves as the “Gateway to the Smokies” and boasts a status of one of the state’s “most livable” cities. With a strong economic outlook, mild climate, low cost of living, and a thriving culture, Knoxville attracts residents, tourists, and businesses alike.

  • Fun fact: Hey, can I borrow your notes? Because Knoxville is #63 on the list of “Top 100 cities with highest percentage of college students (pop. 50,000+)”. Learn more about Knoxville by clicking here.

Auto Insurance Coverage Requirements in Tennessee

Driving legally in Knoxville requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Think Liability coverage is all you need? Well, you might want to think again. Liability coverage won’t pay a dime in many situations, such as being the victim of a hit-and-run, getting your vehicle stolen, or suffering damage from severe weather. You could be 100% responsible for those costs if all you’re carrying is Liability coverage.

Your typical Knoxville resident might be riding around with a monthly $116 burden just to stay legally covered, which is the state average for Tennessee auto insurance. But right now, you can lower that to $34/mo*! Let us show you how to take advantage of deals in your area.

Average Monthly Auto Insurance PremiumsLegend: Knoxville Erie Nationwide State Farm Allstate Safe Auto 51015202530354045$22$28$30$47$44

Erie

Nationwide

State Farm

Allstate

Safe Auto

5

10

15

20

25

30

35

40

45

$22

$28

$30

$47

$44

 

If you’re thinking about making a switch based on price alone, then you’ll want to look into companies like Erie or Nationwide. Just remember that there are other important factors, such as customer service and discount availability, which might make a lower premium less attractive if the other parts of their business aren’t in order.

Companies which provide auto insurance plans evaluate different elements while calculating insurance quotes, among them driving experience, geography, your credit history, education, and current insurance coverage and limits. Moreover, premiums differ from business to business. To make sure that you’re still paying the most affordable fee, review cheap Knoxville auto insurance premiums online.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Major Car Insurance Factors in Knoxville

Once your car insurance company sits down to build your plan, they take quite a few factors into consideration. Some of these, such as your real age or perhaps your particular address, are extremely hard to change. Some additional elements are:

Your Zip Code

The place you store your car each night will probably have a significant influence on your auto insurance rate. Generally, car insurance is cheaper in non-urban locations merely because a lower number of cars indicates a smaller possibility that you’re going to get in a collision with another vehicle. The populace of Knoxville is 183,270 and the typical family earnings are $35,254.

Auto Insurance by Zip CodeLegend: Chattanooga Clarksville Knoxville Memphis Nashville Erie Nationwide State Farm Allstate Safe Auto 5101520253035404550556065$22$21$22$28$24$28$27$28$34$28$29$26$30$37$29$42$47$47$65$46$47$38$44$56$43

Erie

Nationwide

State Farm

Allstate

Safe Auto

5

10

15

20

25

30

35

40

45

50

55

60

65

$22

$21

$22

$28

$24

$28

$27

$28

$34

$28

$29

$26

$30

$37

$29

$42

$47

$47

$65

$46

$47

$38

$44

$56

$43

 

Automotive Accidents

Even though Knoxville has a high population, the equally high rate of fatal accidents is still going to inflate auto insurance premiums in your area. But if you have a fairly clean driving record, you can inquire about Safe Driver discounts.

Fatal Accidents in Knoxville, TNLegend: Knoxville Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1020304050607038571240764

Fatal accident count

Vehicles involved in fatal crashes

Fatal crashes involving drunk persons

Fatalities

Persons involved in fatal crashes

Pedestrians involved in fatal accidents

10

20

30

40

50

60

70

38

57

12

40

76

4

 

Auto Thefts in Knoxville

Residing in a big city (especially any having a substantial rate of crime) can increase your risk of being a victim for auto thieves. Should your regular location have high statistics of auto theft claims filed, you are likely to pay much more for car insurance to counteract these prices. The actual total number of thieved motor vehicles in 2013 dropped to 739 for Knoxville. But the per capita rate of theft is still high enough to make sure that you’re protected with Comprehensive coverage.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Erie Nationwide State Farm Allstate Safe Auto 102030405060708090100110$22$66$28$58$30$78$47$116$44$108

Erie

Nationwide

State Farm

Allstate

Safe Auto

10

20

30

40

50

60

70

80

90

100

110

$22

$66

$28

$58

$30

$78

$47

$116

$44

$108

 

Your Credit Score

Having poor credit will make many aspects of your life more difficult and expensive than they probably should be – and automotive insurance is one of those things. With poor credit, you can expect nearly a 300% increase in premium costs. But there are providers out there which cater to your needs, such as Allstate.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Erie Nationwide State Farm Allstate Safe Auto 510152025303540455055606570$21$61$26$33$25$56$41$57$39$74

Erie

Nationwide

State Farm

Allstate

Safe Auto

5

10

15

20

25

30

35

40

45

50

55

60

65

70

$21

$61

$26

$33

$25

$56

$41

$57

$39

$74

 

Your Age

And if you think poor credit will raise your rates, the truth is that a poor credit score can’t even hold a candle to how much more you can expect to pay for being a college-age student, or worse – a teenager. Try to make sure you get good grades and take a driver’s education course, because there are discounts available for those.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Erie Nationwide State Farm Allstate Safe Auto 255075100125150175200225$22$65$28Do Not Sell$30$134$47$124$44$244

Erie

Nationwide

State Farm

Allstate

Safe Auto

25

50

75

100

125

150

175

200

225

$22

$65

$28

Do Not Sell

$30

$134

$47

$124

$44

$244

 

Your Driving Record

Insurance companies calculate your rate based on their financial risk. If you have violations on your driving record, the more likely they will have to pay for repairs or to replace your vehicle after a future accident. However, some companies are offering “accident forgiveness” discounts for those motorists who have a minor blemish or two on their record.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Erie Nationwide State Farm Allstate Safe Auto 510152025303540455055606570758085$22$23$44$29$28$53Do Not Sell$37$30$33$41$36$47$53$86$66$44$46$59$64

Erie

Nationwide

State Farm

Allstate

Safe Auto

5

10

15

20

25

30

35

40

45

50

55

60

65

70

75

80

85

$22

$23

$44

$29

$28

$53

Do Not Sell

$37

$30

$33

$41

$36

$47

$53

$86

$66

$44

$46

$59

$64

 

Your Vehicle

Whether you are legally required to or not, it’s a good idea to purchase as much insurance coverage as you will need to protect your vehicle in every possible scenario. Therefore, the more it would cost to repair or replace your vehicle, the more coverage you will need to buy – and the higher your premiums will be as a result.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Erie Nationwide State Farm Allstate Safe Auto 153045607590105120135150165$22$79$28$66$30$106$47$128$44$171

Erie

Nationwide

State Farm

Allstate

Safe Auto

15

30

45

60

75

90

105

120

135

150

165

$22

$79

$28

$66

$30

$106

$47

$128

$44

$171

 

Minor Car Insurance Factors in Knoxville

The following factors may also influence your monthly insurance bill:

Your Marital Status

Married couples get lots of financial perks, and insurance bundling is one of them. Although single drivers can bundle various insurance policies together for savings too, married couples will get the most out of it, because there is more of everything to bundle!

Your Gender

Insurance companies like hard, raw data. And with regard to gender and driving, there is very little scientific data which definitively says one gender should be charged more than the other based on proven risk. This is why many companies are phasing out the practice of calculating rates based on gender.

Your Driving Distance to Work

Commute times on Knoxville aren’t too bad, with average trips lasting between 15 and 23 minutes. The vast majority of people behind the wheel are driving alone (79%), while around 3-18% are carpooling. Less than 4% walk.

If you think driving fewer miles annually will save you money on your premiums, you’re correct – but only to an extent. In order to get even a 3-5% discount, you’d have to drive at least 5,000 fewer miles than you did the previous year. That’s at least 14 miles each day, just for a minor rate reduction.

Your Coverage and Deductibles

If you want a lower monthly premium, you can try raising your deductible. Just put a little money aside, in case the worst happens. Because if you raise your deductible and then find yourself in need of filing a claim, you will have to pony up that cash before your vehicle gets fixed or replaced.

Education in Knoxville, TN

Just a little over 28% of Knoxville residents have managed to successfully earn a high school diploma. Similarly, 21% of the population has not yet made their way through all of their high school education. But going back to school or continuing your education after you graduate can yield serious benefits in the long run – and one of those is cheaper auto insurance rates.

There are four major universities in Knoxville for those looking to take their education to new heights. The University of Tennessee at Knoxville is both the largest and the only one of the four which is also a public school. Johnson Bible College and Knoxville College are highly reputable private institutions. There is also the Pellissippi State Technical College for university preparation and two-year degrees.

You should not enable a bad auto insurance provider to persuade you into buying an auto insurance policy that’s not right for you. Yes, the quantity of data needed in order to determine your own personal risk profile can be overpowering, but comparison internet sites such as this may also help make things quicker. Just enter in a few details below, and just we’ll do the rest.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Tennessee Department of Commerce & Insurance

Tennessee Department of Finance & Administration

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Compare rates today and save lots on your following insurance bill.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption