Knoxville, TN Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Knoxville.
What's the average car insurance rate in Knoxville?
The average cost of auto insurance in Knoxville is $773 per six months. That's less expensive than the statewide average in Tennessee ($785) and less expensive than the national average of $880. Our guide to Knoxville auto insurance includes average rates based on age, credit score, and driving history. Read on to learn more!
| Car insurance Knoxville vs. Tennessee | Average 6. Mo Premium |
|---|---|
| Knoxville average | $773 |
| Tennessee average | $785 |
The Zebra's key takeaways about car insurance in Knoxville:
- The average cost of a car insurance policy in Knoxville is $773 per six-month policy — $128 per month.
- The cheapest company in Knoxville is GEICO ($417).
- 34% of Zebra customers in Knoxville stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Knoxville auto insurance premiums by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Knoxville, GEICO provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Knoxville below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $417 |
| USAA | $490 |
| State Farm | $518 |
| Erie | $558 |
| Tennessee Farmers | $635 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Knoxville.
Car insurance rates by age bracket in Knoxville
Our data tells us that drivers between the ages of 20-29 make up 30% of Knoxville drivers. The age bracket that pays the least for auto insurance in Knoxville consists of drivers in their 50s, who pay an average of $633 per six-months. Rates for Knoxville drivers in their 60s are also relatively affordable, at just $645.
Teenage drivers pay Knoxville's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Knoxville is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Knoxville is $4,113, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,108 |
| 20s | $1,052 |
| 30s | $752 |
| 40s | $672 |
| 50s | $633 |
| 60s | $645 |
| 70s | $784 |
Knoxville car insurance rates by credit tier
A driver's credit level can be closely correlated with their auto insurance rates. In Knoxville, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 63% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Knoxville, moving into the "Fair" credit tier corresponds to an average of $1,405 in savings on insurance each year. Our data tells us 35% of drivers in Knoxville have a credit score of average (580-679).Â
| Credit Score | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,696 |
| Fair | $993 |
| Good | $773 |
| Very Good | $689 |
| Exceptional | $620 |
Knoxville auto insurance premiums by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Knoxville, a reckless driving citation results in an average insurance rate increase of $844 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $733 increase, and a speeding ticket triggers a $338 rate hike.
| Violation/Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,140 |
| Reckless Driving | $1,195 |
| At-fault Accident (damages less than $1,000) | $1,022 |
| At-fault Accident (damages greater than $2,000) | $1,103 |
| Speeding Ticket (16-20 mph over speed limit) | $942 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.