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Ross Martin

Insurance Writer

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  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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?

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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.

Knoxville auto insurance rates by company
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 auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data 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.

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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.

Knoxville car insurance rates by driver age
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). 

credit score
Knoxville car insurance premiums by credit level
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.

Knoxville car insurance rates after a violation
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

Compare over 100 insurance companies at once!

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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.