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.
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UPDATED: May 24, 2021
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- 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,
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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.