Best Cheap Auto Insurance in Knoxville, Tennessee (2024)

To find the cheapest car insurance in Knoxville, it’s a good idea to compare quotes from multiple insurers.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Katie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated February 26, 2024 at 11:00 AM PST

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In Knoxville, Tennessee, State Farm, Hugo, USAA, and GEICO offer the cheapest average rates to drivers. Drivers looking for car insurance in this city can expect to spend $174 per month on coverage, on average. What you’ll actually spend depends on a wide variety of factors unique to you.

Here’s what you need to know about finding the right car insurance policy at an affordable price in Knoxville.

Quick Facts
  • Young drivers generally expect to pay much more for car insurance than more experienced drivers.

  • Your ZIP code can affect how much you spend on car insurance.

  • Knoxville drivers pay $112 per month for liability-only insurance.

Cheapest car insurance companies in Knoxville

When you’re looking for a new auto insurance policy, you likely have the cost of coverage on your mind. The cheapest available policy won’t always work best for your needs, since some insurers cater to specific driver categories or circumstances.

Consider the following affordable insurers in Knoxville.

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Cheapest insurance for speeding tickets: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$20/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$44/mo

State Farm insurance offerings help safeguard against accidents and damages. The company also offers uninsured and underinsured motorist coverage, as well as medical payments coverage for medical expenses incurred in accidents.

Pros
  • Mobile app makes for convenient account management 

  • Other types of insurance bundling discount available

Cons
  • Some negative Better Business Bureau (BBB) customer reviews

  • Gap insurance not available

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Cheapest usage-based insurance: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo

Hugo Insurance has a user-friendly online platform and provides a seamless experience for obtaining quotes and managing policies. Policies last anywhere between three days and six months, and customers have the opportunity to turn coverage on and off as needed.

Pros
  • Can create an account in roughly five minutes

  • High Trustpilot rating

Cons
  • Only available in limited states

  • Doesn’t advertise any discounts

Can’t get anyone to help me with my issues.

Melissa - October 24, 2023
Verified

Excellent price.

Ingrid - October 11, 2023
Verified

They have been honest.

Jason - September 24, 2023
Verified
Read our Hugo review

Cheapest insurance for DUIs: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$27/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$57/mo

A well-known insurer selling coverage in all 50 states, GEICO provides standard coverage options, as well as insurance add-ons. The company earned an A.M. Best financial strength rating of A++ (Superior), indicating an ability to successfully pay claims.

Pros
  • Advertises 16 available discounts

  • Offers SR-22 insurance

Cons
  • Gap insurance not available

  • Limited local agent availability

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Knoxville

Liability-only car insurance provides coverage for injuries and damages you cause others, but it doesn’t cover damages to your own vehicle. This insurance includes bodily injury liability, which pays for medical expenses and legal costs related to injuries suffered by others, as well as property damage liability, which covers repairs or replacement of damaged property.[1]

State Farm, Hugo, and USAA offer the most affordable liability-only car insurance policies in Knoxville, starting at just $32 per month.

Insurance CompanyAverage Monthly Quote
State Farm$32
Hugo$37
USAA$37
GEICO$41
Auto-Owners$43
Erie$46
Mile Auto$50
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Knoxville

The difference between liability-only and full-coverage car insurance lies in the scope of coverage provided. While liability-only insurance covers damages and injuries caused to others, full-coverage insurance extends protection to your own vehicle as well.

With collision and comprehensive coverage, full-coverage insurance covers vehicle repairs following collisions and non-collision incidents, like theft, vandalism, and natural disasters. You should consider full-coverage car insurance if you have a new or high-value vehicle.

The cheapest full-coverage car insurance companies offer average rates ranging between $71 and $120 per month in Knoxville.

Insurance CompanyAverage Monthly Quote
State Farm$71
Mile Auto$82
USAA$84
GEICO$93
Auto-Owners$97
Erie$104
National General$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Tennessee

Mandated by Tennessee’s Financial Responsibility Law, drivers in the state must prove financial accountability in the event of a car accident. Most drivers need to purchase auto liability insurance coverage unless they qualify for an exemption.

Failure to meet the minimum-coverage requirements for bodily injury and property damage liability results in fines and the potential loss of vehicle registration.[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000

When acquiring liability coverage, you typically have the opportunity to add optional coverages, such as:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This covers the cost of car damage in the event of a collision, even if you caused the accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    This protects against theft and damages resulting from non-collision incidents, like fire, flood, vandalism, hail, and falling objects.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    You can benefit from no-deductible coverage for windshields, side windows, rear windows, and glass sunroofs. Companies may also offer additional options for glass coverage.

Cheapest car insurance for drivers with an incident

Certain driving-related incidents can have an effect on your auto insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3] Insurers use your motor vehicle record (MVR) as a critical rating factor to assess risk in all 50 states and Washington, D.C.

“Having a major infraction on your record, such as a DUI or reckless driving, could prohibit you from obtaining insurance with a standard auto insurer and cause you to pay rates that are more than double the average driver,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute.

You should understand how your driving record can affect the price you pay for your auto insurance policy. For example, a driver with a clean record in Knoxville who buys a policy from State Farm can expect to spend $32 a month, but that monthly average increases to $45 if they have an at-fault accident on their record.

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Cheapest car insurance for drivers with a speeding ticket

If you get a speeding ticket, you should prepare for the potential increase in your car insurance costs. Insurance companies generally view speeding violations as a sign of increased risk, which leads to higher premiums.

The cheapest insurance options for drivers with a speeding ticket in Knoxville range from $42 per month with State Farm to $68 with Mile Auto, on average.

Insurance CompanyAverage Monthly Quote
State Farm$42
Hugo$50
USAA$50
GEICO$55
Auto-Owners$58
Erie$62
Mile Auto$68
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident, you should understand how it’ll affect your car insurance costs. Insurance companies generally consider at-fault accidents as a sign of higher risk and potential claims, so you’ll pay a higher premium.

On average, the cheapest insurers for drivers in Knoxville, TN, with an at-fault accident include State Farm, Hugo, and USAA.

Insurance CompanyAverage Monthly Quote
State Farm$45
Hugo$53
USAA$53
GEICO$59
Auto-Owners$62
Erie$66
Mile Auto$72
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Insurance costs can significantly increase if you receive a DUI on your driving record. Insurance companies view DUIs as a major red flag that indicates a higher likelihood of accidents and claims. If you’ve received a DUI conviction, expect a significant increase in your car insurance premiums.

Drivers with a DUI in Knoxville can find the cheapest options from State Farm, Hugo, and USAA. Average monthly quotes start at $63 per month.

Insurance CompanyAverage Monthly Quote
State Farm$63
Hugo$74
USAA$74
GEICO$82
Auto-Owners$86
Erie$92
Mile Auto$100
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Your age is a significant determinant of your car insurance rates. Around age 35, rates generally decrease, as drivers become more experienced. However, around age 75, insurance premiums tend to increase slightly due to factors like potential health issues and increased accident risks.

Senior drivers in Knoxville searching for the most affordable insurance companies can earn rates as low as $20 to $30 per month.

Insurance CompanyAverage Monthly Quote
State Farm$20
Hugo$24
USAA$24
GEICO$26
Auto-Owners$27
Erie$29
Mile Auto$32
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Car insurance rates for teenagers tend to cost much more than premiums for older drivers due to a lack of driving experience and increased risk factors. To obtain cheap car insurance as a teen, you can consider staying on a parent’s insurance policy, as this often earns you more favorable rates.

Additionally, selecting a safe and reliable car with good safety features can help lower insurance costs. Taking advantage of a good student discount by maintaining good grades can further contribute to obtaining affordable insurance.[4]

You can find the cheapest average car insurance quotes for teen drivers in Knoxville from State Farm, Hugo, and USAA.

Insurance CompanyAverage Monthly Quote
State Farm$46
Hugo$55
USAA$55
GEICO$61
Auto-Owners$64
Erie$68
Mile Auto$74
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Knoxville

When it comes to finding cheap car insurance rates in Knoxville, several factors generally come into play. Take note of these tips to help you secure affordable coverage:

  • Keep a clean record. Maintain a clean driving record by obeying traffic laws and avoiding accidents and violations.

  • Choose a high deductible. Consider opting for a higher deductible, as this can lower your premium. However, ensure you have enough savings to cover the deductible amount if you need to file a claim.

  • Ask about multi-policy discounts. Bundle your car insurance with other policies, such as homeowners or renters insurance, to qualify for multi-policy discounts.

  • Look into other discounts. Inquire about available discounts for safety features in your vehicle, such as anti-lock brakes and passive restraint systems.

  • Shop around. Compare quotes from different insurance companies to find the best rate for your specific needs.

Find Car Insurance in Knoxville, Tennessee

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Knoxville car insurance quotes by credit tier

If you live in Tennessee, car insurance companies may assess your credit score when determining the cost of premiums. Having an excellent or good credit score can help secure lower insurance rates, while a poor credit score may lead to higher premiums.

To get an idea of how credit scores affect average monthly insurance quotes in Knoxville, refer to the chart below.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Knoxville?

Where you live, down to your ZIP code, has a significant effect on car insurance rates. If you live in Tennessee, you may pay lower premiums compared to drivers in other states, with a monthly average rate of $184. Knoxville drivers pay an average monthly cost of $174, which falls below the national average of $212 per month.

Car insurance rates can also vary within the same state on a city level, influenced by factors like crime rates, accident frequency, and weather conditions.

More cities in Tennessee

For full-coverage insurance, Knoxville drivers pay an average of $217 per month, which is lower than some other cities in Tennessee. Drivers in Memphis and Cordova pay the highest average car insurance rates in the state, at $300 and $307 per month, respectively.

CityAverage Monthly QuoteCompared to Knoxville
Antioch$23910%
Chattanooga$210-3%
Clarksville$24111%
Cordova$30741%
Memphis$30038%
Murfreesboro$24111%
Nashville$2254%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Knoxville car insurance FAQs

Finding the right car insurance for you can feel stressful. The information below should help you navigate the process.

  • How much is car insurance in Knoxville?

    On average, Knoxville drivers pay $174 per month for car insurance. Liability-only insurance in the city costs $112 per month on average, while full-coverage insurance costs $217 per month. 

    Costs in Knoxville resemble the Tennessee state average of $184 per month ($127 for liability and $224 for full coverage).

  • Who has the cheapest car insurance in Knoxville?

    State Farm has the cheapest average rates in Knoxville, at $32 per month for liability and $71 for full coverage. Mile Auto, USAA, and GEICO also offer affordable coverage in the city.

    The best way to find the cheapest coverage for you is by comparing multiple quotes online at once. This process helps you compare coverage side by side while considering cost.

  • What are the best car insurance companies in Knoxville?

    The best car insurance company in Knoxville is State Farm, due to an IQ Score of 4.4, an A.M. Best financial strength rating of A++ (Superior), and affordable coverage ($32 per month for liability and $71 for full coverage).

    USAA earned a 4.3 IQ Score, and GEICO has a 4.2 IQ Score, making them both reliable options for car insurance in Knoxville. And if you’re looking for temporary coverage, Hugo is your best option.

  • How much car insurance do you need in Tennessee?

    The minimum car insurance in Tennessee includes $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per person for property damage liability. Failing to obtain this coverage can result in fines and other legal penalties.

  • Is Tennessee a no-fault state?

    No. Tennessee is an at-fault state, which means the driver who causes an accident is financially responsible for damages and injury they cause to others.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed June 13, 2023
  2. Tennessee Department of Revenue. "Why You Should Have Auto Insurance." Accessed June 13, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed June 13, 2023
  4. Insurance Information Institute. "How to save money on car insurance." Accessed June 13, 2023
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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