Knoxville, TN Car Insurance

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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 AUTO INSURANCE RATES
Knoxville Average (annual)Tennessee AverageU.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.

 
KNOXVILLE AUTO INSURANCE RATES BY COMPANY
CompanyAverage 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.

 
KNOXVILLE CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage 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.

 
KNOXVILLE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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.

 
KNOXVILLE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage 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.

 
KNOXVILLE CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit ScoreAverage 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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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.