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Ross Martin

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  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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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 $1,547 per year. That's less expensive than the statewide average in Tennessee ($1,570) and less expensive than the national average of $1,548. Our guide to Knoxville auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

Knoxville Average (annual) Tennessee Average U.S. Average
$1,547 $1,570 $1,548
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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.

Company Average Yearly Rate
GEICO $834
USAA $980
State Farm $1,037
Erie $1,116
Tennessee Farmers $1,270

Check out our guide to learn how to find the best cheap car insurance.


Car insurance rates by age bracket in Knoxville

The age bracket that pays the least for auto insurance in Knoxville consists of drivers in their 50s, who pay an average of $1,267. Rates for Knoxville drivers in their 60s are also relatively affordable, at just $1,291 per year.

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 Average Yearly Rate
Teenagers $6,217
20s $2,105
30s $1,504
40s $1,344
50s $1,267
60s $1,291
70s $1,569

Learn more about the impact of age on car insurance premiums.


Knoxville auto insurance premiums by gender and marital status


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Knoxville pay $119 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Knoxville, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. The typical male driver in Knoxville pays $45 more each year for car insurance than does his female counterpart.

Gender/Marital Status Average Yearly Rate
Female $1,502
Male $1,547
Single $1,428
Married $1,428
Divorced $1,551
Widowed $1,507

Learn more about how gender and marital status have on insurance rates.


Knoxville auto insurance premiums by driving history


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 Average Yearly Rate
DWI/DUI $2,280
Reckless Driving $2,390
At-fault Accident (damages less than $1,000) $2,044
At-fault Accident (damages greater than $2,000) $2,206
Speeding Ticket (16-20 mph over speed limit) $1,885

Learn more about citations' impact on your auto insurance rates.


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.

Credit Score Average Rate (annual)
Very Poor $3,392
Fair $1,986
Good $1,547
Very Good $1,379
Exceptional $1,241

Get additional information on how credit impacts car insurance costs.


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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 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.