Compare Knoxville, TN Car Insurance Rates (2021)

Car insurance in Knoxville, TN averages $309 a month. Knoxville, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Knoxville car insurance rates, compare quotes from the top car insurance companies in Knoxville, TN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Knoxville for teen drivers is Travelers
  • Average car insurance rates in Knoxville, TN after a DUI are $4,327/year
  • The cheapest ZIP code in Knoxville is 37920

If you need to buy Knoxville, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Knoxville, TN is right here.

You’ll find Knoxville car insurance rates, the cheapest Knoxville, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Knoxville, Tennessee car insurance rates to Murfreesboro car insurance rates, Clarksville car insurance rates, and Knoxville car insurance rates.

Ready to find affordable Knoxville, TN car insurance today? Enter your ZIP code for fast, free Knoxville car insurance quotes.

Cheapest Knoxville, TN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Knoxville, TN car insurance rates? Every Knoxville, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Knoxville, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,759 $2,644 $2,489 $2,583 $10,546 $11,492 $2,929 $3,024
Farmers $1,674 $1,704 $1,493 $1,643 $7,038 $7,506 $2,285 $2,430
GEICO $2,043 $2,055 $1,874 $1,874 $6,465 $6,554 $2,091 $2,159
Liberty Mutual $3,725 $129 $3,051 $3,405 $15,770 $17,518 $4,004 $4,269
Nationwide $2,239 $2,254 $2,008 $2,036 $6,253 $8,044 $2,579 $2,792
Progressive $1,912 $1,794 $1,563 $1,634 $8,786 $9,880 $2,305 $2,513
State Farm $1,624 $1,624 $1,477 $1,477 $5,147 $6,423 $1,840 $2,145
Travelers $1,812 $1,909 $1,644 $1,751 $5,059 $6,274 $1,931 $2,033
USAA $1,579 $1,602 $1,430 $1,425 $5,732 $6,579 $2,067 $2,190

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Minimum Car Insurance in Knoxville, TN

Every driver must carry the minimum car insurance in Knoxville, TN. Take a look at the Tennessee car insurance requirements.

Minimum Required Car Insurance Coverage in Knoxville, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Knoxville, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Knoxville, TN. Compare credit history car insurance rates in Knoxville from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Knoxville, Tennessee

Insurance Company Poor Fair Good
Allstate $6,131 $4,703 $3,591
Farmers $3,810 $3,008 $2,847
GEICO $3,557 $3,053 $2,809
Liberty Mutual $9,283 $5,708 $4,460
Nationwide $4,226 $3,364 $2,987
Progressive $4,257 $3,687 $3,452
State Farm $3,950 $2,369 $1,840
Travelers $3,566 $2,797 $2,042
USAA $4,084 $2,405 $1,987

Cheapest Knoxville, TN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Knoxville, TN to rates for a clean record with top companies.

Annual Knoxville, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,016 $4,796 $5,816 $4,605
Farmers $2,761 $3,402 $3,473 $3,251
GEICO $2,300 $3,060 $4,897 $2,300
Liberty Mutual $5,246 $7,591 $7,057 $6,042
Nationwide $3,052 $3,052 $4,577 $3,421
Progressive $3,344 $4,354 $3,561 $3,936
State Farm $2,468 $2,972 $2,720 $2,720
Travelers $2,272 $2,918 $3,223 $2,793
USAA $2,051 $3,086 $3,618 $2,547

Cheapest Knoxville, TN Car Insurance for Teen Drivers

Teen car insurance in Knoxville, TN can be expensive. Take a look at rates from the top car insurance companies in Knoxville for teenagers.

Annual Car Insurance Rates for Teen Drivers in Knoxville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,546 $11,492
Farmers $7,038 $7,506
GEICO $6,465 $6,554
Liberty Mutual $15,770 $17,518
Nationwide $6,253 $8,044
Progressive $8,786 $9,880
State Farm $5,147 $6,423
Travelers $5,059 $6,274
USAA $5,732 $6,579

Cheapest Knoxville, TN Car Insurance for Seniors

Take a look at Knoxville, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Knoxville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,489 $2,583
Farmers $1,493 $1,643
GEICO $1,874 $1,874
Liberty Mutual $3,051 $3,405
Nationwide $2,008 $2,036
Progressive $1,563 $1,634
State Farm $1,477 $1,477
Travelers $1,644 $1,751
USAA $1,430 $1,425

Cheapest Knoxville, TN Car Insurance Rates After a DUI

A DUI in Knoxville, TN increases car insurance rates. Compare Knoxville, Tennessee DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Knoxville, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,816
Farmers $3,473
GEICO $4,897
Liberty Mutual $7,057
Nationwide $4,577
Progressive $3,561
State Farm $2,720
Travelers $3,223
USAA $3,618

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Cheapest Knoxville, TN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Knoxville, TN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Knoxville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,808 $4,808
Farmers $3,222 $3,222
GEICO $3,116 $3,163
Liberty Mutual $6,484 $6,484
Nationwide $3,526 $3,526
Progressive $3,798 $3,798
State Farm $2,654 $2,785
Travelers $2,691 $2,912
USAA $2,747 $2,904

Cheapest Knoxville, TN Car Insurance Rates by ZIP Code

Knoxville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Knoxville, TN.

Annual Car Insurance Rates by ZIP Code in Knoxville, Tennessee

ZIP Code Average Annual Rates
37902 $3,806
37909 $3,801
37912 $3,770
37914 $3,668
37915 $3,826
37916 $3,803
37917 $3,814
37918 $3,793
37919 $3,782
37920 $3,653
37921 $3,789
37922 $3,773
37923 $3,807
37924 $3,738
37929 $3,750
37931 $3,730
37932 $3,787
37934 $3,723
37938 $3,806
37996 $3,786
37998 $3,755

The Best Cheap Car Insurance Companies in Knoxville, TN

Take a look at a side-by-side comparison of the top car insurance companies in Knoxville, TN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Knoxville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,808
Farmers $3,222
GEICO $3,139
Liberty Mutual $6,484
Nationwide $3,526
Progressive $3,799
State Farm $2,720
Travelers $2,802
USAA $2,825

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Category Winners: Cheapest Car Insurance in Knoxville, Tennessee

Find the cheapest car insurance companies in Knoxville, TN for each category right here.

Best Annual Car Insurance Rates by Company in Knoxville, Tennessee

Category Insurance Company
Teenagers Travelers
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Knoxville, TN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Knoxville car insurance rates. Find the cheapest Knoxville, TN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Knoxville, Tennessee

Insurance Company Low Medium High
Allstate $4,630 $4,797 $4,998
Farmers $3,058 $3,211 $3,395
GEICO $2,972 $3,133 $3,313
Liberty Mutual $6,223 $6,485 $6,743
Nationwide $3,549 $3,452 $3,577
Progressive $3,543 $3,802 $4,050
State Farm $2,553 $2,734 $2,872
Travelers $2,635 $2,800 $2,970
USAA $2,730 $2,815 $2,932

What affects car insurance rates in Knoxville, Tennessee?

What factors can have an impact on Knoxville, TN car insurance? There are several reasons why Knoxville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Knoxville, Tennessee.

Commute Time in Knoxville

The more time you spend in your car the higher the risk of an accident. The average commute length in Knoxville, TN is 20.5 minutes according to City-Data.

Traffic in Knoxville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Knoxville, TN traffic data from INRIX ranks Knoxville as the 796th-most congested in the world.

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Compare Car Insurance Quotes in Knoxville, TN

Ready to find affordable Knoxville, Tennessee car insurance today? Enter your ZIP code for fast, free Knoxville, TN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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