Compare Knoxville, TN Car Insurance Rates [2023]

Knoxville, TN car insurance is $309 per month on average. However, the Tennessee car insurance average is $305 per month.

But why is car insurance in Knoxville, Tennessee, so expensive?

There are many factors that affect car insurance rates, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help you find cost-efficient car insurance.

Our guide explains how you can secure cheap car insurance in Knoxville, TN.

Ready to find affordable Knoxville, TN car insurance rates? Enter your ZIP code above to get started.

Monthly Knoxville, TN Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Knoxville, TN auto insurance rates by ZIP Code below:

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Knoxville, TN Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Knoxville, TN against other top US metro areas’ auto insurance costs.

What is the cheapest car insurance company in Knoxville, TN?

The cheapest car insurance company in Knoxville, TN, is State Farm. The following most affordable companies are Travelers and USAA.

The cheapest Knoxville, TN car insurance providers can be found below. You also might be wondering, “How do those Knoxville, TN rates compare against the average Tennessee car insurance company rates?” We uncover that too.

Here are the best auto insurance companies in Knoxville, Tennessee, ranked from cheapest to most expensive:

• State Farm car insurance – $2,720
• Travelers car insurance – $2,802
• USAA car insurance – $2,826
• Geico car insurance – $3,139
• Farmers car insurance – $3,222
• Nationwide car insurance – $3,526
• Progressive car insurance – $3,799
• Allstate car insurance – $4,808
• Liberty Mutual car insurance – $6,484

State Farm, Travelers, USAA, Geico, Farmers, and Nationwide are the only Knoxville car insurance companies with cheaper than average auto insurance rates. However, your car insurance rates will depend on personal factors.

The most crucial factor is your driving history. Some car insurance companies provide 15 to 40 percent off annual premiums if you have a clean driving record. You can even save money if your credit score is good.

Another important factor that determines car insurance is location. Auto insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Knoxville, TN? The most affordable ZIP code in Knoxville, Tennessee, is 37920, and its average car insurance cost is $304 per month.

Knoxville male drivers under 25 have the most expensive car insurance rates. Meanwhile, married drivers who are 25 and older pay significantly less for car insurance.

Knoxville, Tennessee car insurance rates by age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

Your coverage level will play a major role in your Knoxville, TN car insurance costs. Find the cheapest Knoxville, Tennessee car insurance costs by coverage level below:

Your credit score will play a major role in your Knoxville, TN car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. You may be able to get a good credit discount. Find the cheapest Knoxville, Tennessee car insurance costs by credit score below.

Your driving record will affect your Knoxville, TN car insurance costs. For example, a Knoxville, Tennessee DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Knoxville, Tennessee car insurance with a bad driving record.

Controlling these risk factors will ensure you have the cheapest Knoxville, Tennessee car insurance. Factors affecting car insurance rates in Knoxville, TN may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Knoxville, TN car insurance rates. Young drivers are often considered high-risk. Therefore, teen car insurance is more expensive. This Knoxville, TN does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Knoxville, TN.

What are the minimum car insurance coverage requirements in Knoxville, TN?

All Knoxville drivers must carry the minimum amount of liability car insurance required in Tennessee, which are:

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

It’s recommended that you get a higher coverage limit. Tennessee’s coverage car insurance requirements are lower than average. Therefore, it would be best to buy a higher coverage limit, such as 50/100/50.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

What affects car insurance rates in Knoxville, TN?

Your daily commute to work and your city’s vehicle theft rate can determine your car insurance cost. Your chances of getting into an accident increase the more you drive. However, vehicle thefts determine your chances of filing a comprehensive insurance claim.

According to the FBI statistics, the city of Knoxville had 983 auto thefts. That’s not much compared to cities like Nashville and Memphis, Tennessee. Therefore, your comprehensive car insurance coverage rates could be lower than average.

However, Knoxville’s commute is about five minutes faster than the national average. According to City-Data, it takes 20 minutes for the average driver to get work in Knoxville, Tennessee.

Knoxville, TN Auto Insurance: The Bottom Line

You can secure cheap car insurance in Knoxville, Tennessee, by maintaining a clean driving record. If you have a good credit score, take advantage of the low prices provided by your auto insurance provider.

Also, your vehicle’s safety and anti-theft features can save you money with car insurance discounts.

Before you buy car insurance in Knoxville, TN, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get 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.

 Secured with SHA-256 Encryption