120+ more*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on May 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on May 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
Knoxville drivers pay average monthly premiums of $60 for minimum auto insurance coverage and $127 for full-coverage car insurance. The city’s rates are close to the overall averages in Tennessee.
Rates in Knoxville are slightly lower than in Chattanooga, where heavy truck traffic increases accident risks. But Knoxville’s rates are higher than in smaller towns like Maryville, which have less traffic.[1]
To drive legally in Knoxville, you must meet Tennessee’s liability insurance requirements. You need to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.[2]
Knoxville drivers pay an average of $60 per month for minimum-coverage car insurance.
The table below shows the cheapest rates for liability-only car insurance in Knoxville, according to Insurify data.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Mile Auto | $35 |
| State Farm | $35 |
| Sun Coast | $35 |
| Progressive | $38 |
| Certainly | $39 |
| Direct Auto | $40 |
| USAA | $41 |
| GEICO | $45 |
| AssuranceAmerica | $46 |
| Freedom National | $46 |
| Auto-Owners | $47 |
| Travelers | $47 |
| The General | $48 |
| Trexis | $49 |
| Erie | $50 |
| Safeco | $55 |
| Trexis One | $56 |
| GAINSCO | $57 |
| Dairyland | $59 |
| Mendota | $60 |
| National General | $61 |
| Allstate | $63 |
| First Acceptance | $63 |
| Farmers | $68 |
| Liberty Mutual | $71 |
| Bristol West | $73 |
| Root | $73 |
| Elephant | $76 |
| Nationwide | $84 |
| Chubb | $98 |
| State Auto | $131 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Full-coverage auto insurance can give Knoxville drivers additional protection behind the wheel. Full coverage can be a particularly good option if you frequently drive through areas with high theft rates, like downtown Knoxville.
Knoxville drivers pay an average of $127 per month for full-coverage car insurance.
Here are the lowest full-coverage premiums in Knoxville, according to Insurify data.
Insurance Company | Average Monthly Rate: Full Coverage |
|---|---|
| Mile Auto | $66 |
| Sun Coast | $68 |
| Progressive | $74 |
| State Farm | $75 |
| Direct Auto | $89 |
| USAA | $89 |
| GEICO | $99 |
| Auto-Owners | $103 |
| National General | $103 |
| Safeco | $103 |
| Travelers | $103 |
| AssuranceAmerica | $108 |
| Erie | $111 |
| Certainly | $112 |
| Trexis | $120 |
| Elephant | $122 |
| Root | $127 |
| Allstate | $139 |
| Trexis One | $140 |
| Liberty Mutual | $141 |
| The General | $142 |
| GAINSCO | $145 |
| Mendota | $146 |
| Farmers | $149 |
| Freedom National | $156 |
| Bristol West | $161 |
| First Acceptance | $168 |
| Dairyland | $179 |
| Nationwide | $184 |
| Chubb | $216 |
| State Auto | $286 |
Premiums in Tennessee vary by city. For example, drivers in Johnson City and Kingsport enjoy the most affordable coverage, while drivers in Memphis and Nashville pay the highest rates.
Fortunately, car insurance in Knoxville is cheaper than in other major cities like Chattanooga and Nashville. Knoxville has lower truck traffic and shorter commute times than other metro areas.
The table below shows how auto insurance rates in Knoxville compare across cities in Tennessee, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Chattanooga | $96 |
| Clarksville | $104 |
| Cleveland | $91 |
| Franklin | $94 |
| Jackson | $98 |
| Kingsport | $80 |
| Knoxville | $94 |
| Memphis | $143 |
| Murfreesboro | $104 |
| Nashville | $115 |
*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on May 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on May 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history plays a major role in what you pay for an auto policy in Knoxville. Here are the cheapest insurers for Knoxville residents based on their driving record:
Cheapest car insurance for Knoxville drivers with a clean driving record: Sun Coast
Cheapest car insurance for drivers with a speeding ticket in Knoxville: Sun Coast
Cheapest car insurance for Knoxville drivers with an at-fault accident: Sun Coast
Cheapest car insurance for drivers with a DUI in Knoxville: Sun Coast
In Knoxville, 1% of drivers have a driving under the influence (DUI) conviction, 5% have a speeding ticket, and 5% have a car accident on their record, according to Insurify data. Drivers with a first-time DUI conviction face serious penalties, including at least $350 in fines, 48 hours in jail, and a one-year license suspension.[3]
Speeding in Knoxville could mean fines of at least $117, plus higher insurance rates.[4] The table below shows average rates in Knoxville for different driving records, based on our data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $94 |
| Speeding ticket | $124 |
| At-fault accident | $132 |
| DUI | $141 |
Here are a few tips to keep in mind as you drive in and around Knoxville:
Parking downtown: Downtown Knoxville offers a mix of parking garages, lots, and on-street parking. Paid spots require you to use the ParkMobile app, but you can park for free downtown at certain times.
Snow removal: Knoxville has a snow and ice removal plan, but crews prioritize major streets before neighborhoods. You should be extra careful while driving on side streets after it snows.[5]
Tourism traffic: Market Square, Gay Street, and Volunteer Landing are popular attractions in downtown Knoxville. University of Tennessee football games also bring many people into the city. You should prepare for more congestion and longer travel times in these areas.
Car accidents in Knoxville are common along Clinton Highway (U.S.-25W), North Broadway, and Chapman Highway (SR-71). Accidents commonly happen during left turns and U-turns.[6] Insurers charge more in areas with high accident rates because of the increased likelihood of claims.
The city’s average commute time of 20 minutes and daily congestion may contribute to higher rates than in suburban areas. Knoxville’s Vision Zero plan aims to reduce the risk of accidents and create safer roads in the city and surrounding areas.[7] Lowering the accident rate may also decrease insurance rates.
Teens in Knoxville pay average monthly auto insurance rates of $187. Teens typically pay more for car insurance than other age groups because they have riskier driving habits.
The Knoxville Police Department offers T.R.A.C.K., a two-day program to help teens reduce their risk of accidents. Drivers aged 16–19 can practice at an 18-acre driving track, as long as they have a valid driver’s license.[8]
Here are the lowest car insurance premiums for teenage drivers in Knoxville, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Sun Coast | $70 |
| State Farm | $71 |
| Mile Auto | $75 |
| Progressive | $76 |
| Certainly | $78 |
| USAA | $79 |
| Direct Auto | $81 |
| GEICO | $85 |
| The General | $90 |
| Freedom National | $91 |
| Erie | $97 |
| Trexis | $97 |
| AssuranceAmerica | $99 |
| Auto-Owners | $100 |
| Travelers | $102 |
| GAINSCO | $107 |
| Dairyland | $108 |
| Trexis One | $111 |
| Safeco | $116 |
| Mendota | $119 |
| First Acceptance | $125 |
| National General | $127 |
| Allstate | $130 |
| Liberty Mutual | $131 |
| Root | $133 |
| Bristol West | $136 |
| Elephant | $142 |
| Farmers | $142 |
| Nationwide | $171 |
| Chubb | $210 |
| State Auto | $330 |
Compare quotes from Knoxville’s top insurers and find the best coverage for your car
Seniors make up 14% of Knoxville’s population. Older drivers usually pay lower car insurance rates because they tend to have more experience driving.
Senior drivers in Knoxville pay an average monthly car insurance rate of $83.
This table highlights the cheapest car insurance for senior drivers in Knoxville, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $28 |
| Mile Auto | $28 |
| Sun Coast | $31 |
| Direct Auto | $33 |
| Progressive | $34 |
| USAA | $34 |
| Certainly | $34 |
| GEICO | $36 |
| AssuranceAmerica | $37 |
| Auto-Owners | $38 |
| Travelers | $38 |
| Erie | $39 |
| Freedom National | $41 |
| The General | $41 |
| Trexis | $43 |
| National General | $49 |
| Safeco | $49 |
| GAINSCO | $49 |
| Trexis One | $49 |
| Dairyland | $51 |
| Allstate | $52 |
| Mendota | $53 |
| Farmers | $55 |
| First Acceptance | $56 |
| Liberty Mutual | $60 |
| Bristol West | $62 |
| Root | $62 |
| Elephant | $63 |
| Nationwide | $65 |
| Chubb | $75 |
| State Auto | $100 |
If you’re shopping for a car insurance policy in Knoxville, these questions can be useful as you explore auto insurance companies.
Sun Coast has the cheapest car insurance in Tennessee, with an average monthly liability-only rate of $34. But your exact price depends on many different factors, like your age, ZIP code, and the car you drive.
Knoxville drivers pay an average of $94 per month for car insurance, according to Insurify data. Minimum coverage costs an average of $60 per month, and full coverage averages $127. To find the best deal for your insurance needs, shop around and get car insurance quotes from multiple companies.
To lower your car insurance premium in Knoxville, shop around and compare quotes from different companies. You can also take advantage of insurance discounts for bundling home insurance, safe driving, and more. If you drive only occasionally, you could pay less with pay-per-mile coverage. If you can afford to pay a higher out-of-pocket cost in the event of a claim, increasing your deductible is another way to save on monthly premiums.
Yes. Tennessee requires drivers to have a minimum amount of car insurance. You need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 in property damage liability coverage. Though not required, you may also want to add uninsured motorist coverage to your policy.
Full-coverage car insurance is a good choice for Knoxville’s weather. A full-coverage policy with comprehensive and collision coverage can protect your vehicle from severe weather events like flooding or tornadoes, which liability insurance doesn’t cover.
Traffic patterns, accident rate, and severe weather affect car insurance rates in Knoxville. Your age, ZIP code, driving history, and coverage choices also influence how much you pay for car insurance. Comparing rates from different companies can help you find the best coverage for your driver profile.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.