Cheap Auto Insurance Quotes in Knoxville, TN (2021)

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Car Insurance in Knoxville, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Knoxville, TN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$46
$80
$84
$147
$154
ProgressiveAllstateState FarmThe GeneralLiberty Mutual
Monthly $

Cheapest Car Insurance in Knoxville, TN

Here are the cheapest carriers in Knoxville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$128
$159
$125
$120
$125
$112
TennesseeMemphisChattanoogaClarksvilleMurfreesboroKnoxville
Monthly $

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Knoxville, TN Driving Facts

tennessee

Minimum Car Insurance Requirements in TN

All motor vehicles operated or parked on Tennessee roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

 

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverge required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Find local Knoxville agents

Inter-Agency Insurance Services 
6209 Baum Dr, Knoxville, TN 37919-9503
Lee & Associates 
104 Lakeside Ave, Knoxville, TN 37914
TIS Insurance Services, Inc. 
1900 Winston Rd, Ste 100, Knoxville, TN 37919-3605
Whedbee Insurance Agency, LLC 
6426-B Baum Dr, Knoxville, TN 37919-6070
Elite Insurance Group 
PO Box 12269, Knoxville, TN 37912-0269
William Blount & Associates, Inc. 
9700 Westland Drive, Knoxville, TN 37922-5296
Arning Insurance Agency 
618 S Gay St, Knoxville, TN 37902-1640
Oldham and Cox Insurance, Inc. 
9724 Kingston Pike, Knoxville, TN 37922
Fox Insurance Group Inc. 
141 North Martinwood, Suite 103-117, Knoxville, TN 37923
William Knight Insurance 
1717 Winston Rd, Knoxville, TN 37919-5527

Insurify Insights: How Knoxville Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Knoxville, TN
suspended licenses
#25
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Knoxville drivers measure up to their fellow Tennessee motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Knoxville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Knoxville drivers rank 16 in the number of car accidents per driver across all cities in Tennessee.

  • Rank within state: #16
  • Percent of drivers in Knoxville with an accident: 12.55%
  • Drivers in Knoxville, TN with an accident in their driving history paid on average 43.18% more than drivers with a clean record

Speeding Knoxville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Knoxville drivers rank 14 in the number of speeding infractions per driver.

  • Rank within state: #14
  • Percent of drivers in Knoxville with a speeding ticket: 12.17%
  • Drivers in Knoxville, TN with a speeding ticket in their driving history paid on average 31.06% more than drivers with a clean record

DUI/DWIs Knoxville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Knoxville drivers rank 16 in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #16
  • Percent of drivers in Knoxville with a DUI: 1.96%
  • Drivers in Knoxville, TN with a DUI in their driving history paid on average 7.58% more than drivers with a clean record

Most Popular Vehicle Knoxville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Knoxville is the Nissan Altima.

Rude Knoxville

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Tennessee, Knoxville drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Knoxville with a reckless driving violation: 2.61%
  • Drivers in Knoxville, TN with a reckless driving violation in their driving history paid on average 32.58% more than drivers with a clean record.

Safest Drivers Knoxville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Knoxville drivers rank 11 in clean driving records across all cities in Tennessee.

  • Rank within state: #11
  • Percent of drivers in Knoxville with clean record: 76.38%

Failure to Yield the Right of Way Knoxville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Knoxville drivers rank 7 in failure to yield violations per driver across all cities in Tennessee.

  • Rank within state: #7
  • Percent of drivers in Knoxville with a failure to yield violation: 0.48%
  • Drivers in Knoxville, TN with a failure to yield violation in their driving history paid on average 1200% more than drivers with a clean record

Reckless Drivers Knoxville

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Tennessee, Knoxville drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Knoxville with a reckless driving offense: 0.21%

Hybrid/Electric Vehicle Ownership Knoxville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Knoxville drivers rank 17 in hybrid and electric vehicle ownership across all cities in Tennessee.

  • Rank within state: #17
  • Percent of drivers in Knoxville with a hybrid/electric vehicle: 0.45%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.