Buy Cheap Knoxville, TN Auto Insurance

The average cost of Knoxville, TN auto insurance is $308 per month or $3,702 annually. The cheapest Knoxville, TN auto insurance company is State Farm. However, your rates vary based on your age, driving record, and coverage needs. By law, all Knoxville residents must carry the Tennessee minimum auto insurance limits of 25/50/15 in liability coverage to drive on the roads.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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.

A Concise Overview

  • On average, Knoxville, TN auto insurance costs $308 per month or $3,702 annually
  • State Farm provides the cheapest quotes in your city
  • Uninsured motorists and a high rate of stolen vehicles negatively impact your Knoxville insurance costs

The average cost of Knoxville, TN auto insurance is $308 per month or $3,702 annually. Uninsured motorists and high vehicle theft rates influence insurance costs in your city.

Keep reading to compare actual annual premiums from the leading Knoxville insurance providers and learn how to secure cheap Tennessee auto insurance regardless of your driving record, age, and coverage needs.

Start comparing Knoxville, TN auto insurance quotes right now by entering your ZIP code into our free rate tool above.

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

State Farm offers the most affordable Knoxville, TN auto insurance rates on average.

However, your rates may vary depending on your age, driving record, and coverage needs.

Below, compare the average annual rates from the leading insurance providers in Knoxville:

  • State Farm – $2,719.67
  • Travelers – $2,801.67
  • USAA – $2,825.50
  • GEICO – $3,139.45
  • Farmers – $3,221.61
  • Nationwide – $3,525.65
  • Progressive – $3,798.51
  • Allstate – $4,808.24
  • Liberty Mutual – $6,483.78

Every insurance company uses a different equation to formulate insurance costs.

In Tennessee, some companies even charge different rates based on how much you drive.

Therefore, compare quotes online from multiple different providers to find the best Knoxville, TN auto insurance company for you,

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What auto insurance coverage is required in Knoxville, TN?

All Knoxville residents must purchase at least the Tennessee minimum auto insurance limits to drive on the roads legally.

Currently, Tennessee requires the following levels of coverage:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $15,000 per incident in property damage liability coverage

Tennessee is an at-fault or tort state. If you cause an accident, use your mandatory liability auto insurance to pay for the damages to the other driver.

What affects auto insurance rates in Knoxville, TN?

A high rate of both uninsured motorists and auto theft heavily impacts your Knoxville insurance costs.

Tennessee lands in third place for states with the highest rate of uninsured motorists.

Fortunately, minor traffic congestion in Knoxville helps balance out insurance rates in your city.

INRIX ranks Knoxville as the 176th-most congested city in America. Drivers lose an average of only three hours to backed-up traffic each year.

According to City-Data, the average commute time for Knoxville residents is 19.9 minutes, shorter than the national average of 26 minutes.

Unfortunately, the car theft rate in your city is higher than the state average, negatively impacting your insurance rates.

The Federal Bureau of Investigation (FBI) recorded 488 stolen vehicles in Knoxville in 2017.

Knoxville, TN Auto Insurance: The Bottom Line

Overall, Knoxville insurance rates are higher than average.

However, by comparing quotes online and asking about auto insurance discounts, you’ll quickly secure cheap rates in your city.

You can easily buy Knoxville, TN auto insurance right now by entering your ZIP code into our free rate tool below.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption