Knoxville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Knoxville

Tennessee is recognized for its economical premiums, as its mean rate is 8% lower than the national average. While premiums in the city are also relatively low, if you are insuring a vehicle in Knoxville, being knowledgeable about premiums is still vital. Going over some tips about how to save on Knoxville car insurance can save you money.

  • City Average: $1,317
  • State Average: $1,315
  • National Average: $1,427

Knoxville Car Insurance by Accident or Violation History

Do you know how much an accident or violation history can cost you in terms of prices on car insurance? Typically, a DUI in Knoxville will cost you 48% more in car insurance premiums versus the city average ($1,317). Reckless driving will also bump your rates up, with average rates of $1,889. Car insurance is an average of $491 more per year in Knoxville if you have an at-fault accident on your driving record.

  • DUI: $1,943
  • Reckless Driving: $1,889
  • At-fault Accident (damages less than $1000): $1,808
  • At-fault Accident (damages greater than $2000): $1,808
  • Speeding Ticket (16-20 mph over speed limit): $1,567

Knoxville Car Insurance by Gender and Marital Status

There are a variety of factors, including gender and marital status, that impact car insurance premiums in Knoxville. 2% is the amount by which men's and women's car insurance premiums vary. Rates for those who are widowed are slightly cheaper than rates for those who are single. You can save an average of 6% per year if you're married as opposed to single.

  • Female: $1,294
  • Male: $1,317
  • Single: $1,317
  • Married: $1,235
  • Divorced: $1,317
  • Widowed: $1,299

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Knoxville Car Insurance by Credit Rating

Individuals with Very Poor credit (300-579) normally pay 2.4x more each year for car insurance than those with Exceptional credit (800-850). In terms of percent change, the most notable benefit of better credit comes from upgrading from Good (670-739) to Very Good (740-799), by which drivers can save around 20% per year.

  • Very Poor: $2,715
  • Fair: $2,178
  • Good: $1,748
  • Very Good: $1,391
  • Exceptional: $1,130

Knoxville Car Insurance by Age

Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,128 each year. Those in their 60s ($1,151) also have relatively low premiums. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $5,777 on average. The greatest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Knoxville start saving an average of $3,947. In Knoxville, turning 60 means an increase in rates. Up until then, moving between age groups means decreasing prices.

  • Teenagers: $5,777
  • 20s: $1,830
  • 30s: $1,291
  • 40s: $1,189
  • 50s: $1,128
  • 60s: $1,151
  • 70s: $1,408