Best Cheap Auto Insurance in Knoxville, TN (2021)

State Farm is the cheapest auto insurance company in Knoxville, TN. However, Knoxville, TN auto insurance rates vary for each person. Knoxville car insurance must meet the Tennessee minimum requirements with coverage levels of 25/50/15 for liability. Compare Knoxville, TN auto insurance quotes online to get the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 29, 2021

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Things to Remember

  • Knoxville, TN auto insurance costs $3,703/yr
  • State Farm is the cheapest auto insurance company in Knoxville, TN
  • A good credit score and a clean driving record is the best way to secure cheap auto insurance
  • Daily commutes, vehicle thefts, and other factors affect auto insurance rates

Knoxville, TN auto insurance is $3,703 annually on average. The Tennessee auto insurance average is $3,660 per year – that means Knoxville is $43 more than the Tennessee yearly average.

However, Knoxville’s car insurance rate is $229 cheaper than the national annual average. Things like Knoxville, TN weather and traffic affect these rates.

Although Knoxville, TN auto insurance quotes are cheaper than the national average, your insurance rates are determined by various factors, including the company you choose, your driving history, and much more.

Our guide explains how you can secure cheap auto insurance in Knoxville, TN and what other factors affect your policy.

Are you ready to find affordable Knoxville, TN auto insurance rates? Enter your ZIP code above to get started.

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

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

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

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

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

The most significant factor is your driving record. Some car insurance companies provide at least 15 percent off annual premiums if you have a clean driving record.

Another important factor that determines car insurance is location.

Car insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Knoxville, Tennessee? The most affordable ZIP code in Knoxville is 37920, and its average car insurance cost is $3,648 per year.

Male drivers under 25 have the most expensive car insurance rates in Knoxville, TN. Meanwhile, married female drivers who are 25 and older pay significantly less for auto insurance.

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What are the minimum auto insurance requirements in Knoxville, TN?

All Knoxville drivers must carry the minimum Tennessee auto insurance requirements, which are:

  • $25,000 for bodily injury of one per accident
  • $50,000 for bodily injury of multiple people per accident
  • $15,000 for property damage per accident

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

What affects auto insurance rates in Knoxville, TN?

Your chances of getting into an accident increase the more you drive. However, vehicle thefts determine your chances of filing a comprehensive insurance claim.

Why are these factors important? Commute mileage and vehicle thefts are factors that affect auto insurance.

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

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.

If you decide to drive less, you can save at least three percent on auto insurance.

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, a discounted rate could be even lower.

Auto insurance companies will also consider your vehicle’s safety and anti-theft features, which are usually attached to discounts.

Don’t bog down on one company. Before you buy auto insurance in Knoxville, TN, be sure to check out rates with multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.

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

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