Knoxville, TN, Car Insurance

In Knoxville, the average full coverage car insurance costs $91 per month. Depending on the driver's details, costs can range from $86 to $305. To help drivers better understand what they might pay, the table below shows average car insurance costs for various driver profiles in the area.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Knoxville, the average annual cost for full coverage car insurance is $1,070, while the minimum coverage costs $463. These rates are lower than the Tennessee averages, which are $1,130 for full coverage and $479 for state minimum coverage.

Even if premiums are rising, you can still find affordable car insurance in Knoxville. Westfield offers the cheapest minimum coverage at just $27 per month. If you're looking for full coverage, Auto-Owners Insurance Co provides the best rate at $71 monthly. Save smartly in the Volunteer State!

Westfield offers the cheapest minimum coverage for most drivers, but remember that rates can vary based on your profile. To find the most affordable car insurance, compare quotes from different providers. Below is a table showing the cheapest car insurance rates for various driver profiles.

To get the cheapest car insurance in Knoxville, compare rates from many companies. Below, we detail the most affordable state minimum and full coverage plans.

Westfield offers the cheapest minimum coverage auto insurance at just $27 per month. Auto-Owners Insurance Co follows closely with a rate of $29 monthly. See the breakdown of the cheapest options in the table below.

Auto-Owners offers the lowest full coverage rate in Knoxville at $71 per month. Below is a list of other providers and their rates.

To find the cheapest car insurance in Knoxville, get quotes from several companies. Auto-Owners Insurance Co offers the lowest rate at $601 annually. For quality service, Cincinnati Insurance is the best with a MoneyGeek score of 80. Check the table below for more options.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,070 per year for 40-year-olds and $1,015 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Knoxville, with full coverage at $99 monthly, saving $60 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Westfield offers the best minimum coverage rate at $31 per month for young drivers in Knoxville. Travelers provides the most affordable full coverage at $85 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Travelers offers the most affordable auto insurance for young drivers at $62 per month. The table below shows other companies with competitive rates, like Farmers and Grange Insurance.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Auto-Owners Insurance Co offers the cheapest monthly premium for seniors at $49 for both minimum and full coverage. Cincinnati Insurance follows closely with a rate of $49 per month. The table below shows options of the top car insurance providers for seniors in Knoxville.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Cincinnati Insurance and Tennessee Farm Bureau offer the cheapest car insurance in the city, but rates vary by factors like driving history and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

High-risk drivers in Knoxville pay less for car insurance than the state average, with minimum coverage costing $730 and full coverage at $1,671. Comparatively, the state averages are $1,998 for minimum and $3,982 for full coverage. Drivers with bad credit and DUIs face the highest rates, whereas accidents and speeding tickets have a smaller effect on costs.

Progressive offers the cheapest minimum coverage for drivers with a DUI in Knoxville at $474 per year. Farmers provides the most affordable full coverage policy at $1,240 annually. Check out the table below to see more options for low-cost coverage.

*Rates are for a 40-year-old driver with good credit and a DUI.

Tennessee Farm Bureau, Westfield, and Travelers offer the cheapest car insurance for drivers with an at-fault accident record in Knoxville. For more information, check out this cheapest auto insurance after an at-fault accident. The table below shows different providers offering affordable coverage for those with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Tennessee Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Knoxville, offering minimum coverage at $31 and full coverage at $81 monthly. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Tennessee Farm Bureau offers the most affordable rates for drivers with bad credit in Knoxville. Their monthly cost is $36 for state minimum and $94 for full coverage. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Tennessee, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

An example of how this works: If you're in an accident causing $30,000 in damage, your insurance covers up to $25,000, leaving you responsible for the rest.

Westfield shines as Knoxville's cheapest car insurance for minimum coverage at just $27, while Auto-Owners Insurance Co offers the most affordable full coverage at $71. No matter your age or credit, you'll find providers ready to match your budget. Remember, your policy must include Tennessee's required coverage: bodily injury and property damage liability, plus uninsured and underinsured motorist coverage. Compare and save, ensuring you adhere to the Volunteer State's laws.

This section offers quick answers to common questions about finding affordable and best car insurance options. Learn about choosing between state minimum and comprehensive coverage, ensuring you get the best deal without compromising on protection.

MoneyGeek conducted an analysis of Knoxville auto insurance prices using data from the Tennessee Department of Insurance and Financial Services and Quadrant Information Services.

Knoxville Driver Profile

To assess the best and most affordable auto insurance options for Knoxville residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Knoxville

In assessing the car insurance quotes for Knoxville, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Tennessee's mandated liability insurance parameters:

The minimum coverage requirements in Tennessee are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, affordability, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Tennessee providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Knoxville
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Knoxville. For more details on our evaluation process, please see MoneyGeek's methodology.