Cheap Car Insurance Knoxville TN: Quotes + Breakdown for Knoxvillians 2024


Cheap Car Insurance Knoxville, Tennessee: Yelp & Google Compared

We compared Yelp and Google to find the Best Car Insurance in Knoxville, Tennessee. According to their reviews, we think they’ll be able to find the best price and offer the best service

Cheap Car Insurance Knoxville: Multiple Sites Compared

Moneygeek - Cheapest and Best Car Insurance in Knoxville, TN Nerdwallet - Cheapest Car Insurance in Knoxville
Overall cheapest Auto-Owners Tennessee Farm Bureau
Cheapest for full coverage State Farm Tennessee Farm Bureau
Cheapest for drivers with a DUI State Farm Tennessee Farm Bureau
Cheapest for young drivers Nationwide Travelers
Cheapest for military families USAA USAA
Best overall Auto-Owners Tennessee Farm Bureau

Finding Cheap Car Insurance in Knoxville, TN

When looking for affordable car insurance in Knoxville, TN, it’s important to consider various factors that can influence your premiums. This guide will help you navigate the options and find the best and most cost-effective car insurance for your needs.

Understanding Car Insurance Requirements in Knoxville

Before diving into specific providers, it’s essential to understand the minimum car insurance requirements in Knoxville. Tennessee law mandates that drivers carry a minimum of:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $15,000 for property damage per accident

These are the minimums, but you may want to consider higher coverage levels for better protection.

Best Overall Cheap Car Insurance Providers

Auto-Owners Insurance

Auto-Owners Insurance consistently ranks as one of the cheapest providers in Knoxville. They offer competitive rates for both minimum and full coverage policies. Auto-Owners is also known for its excellent customer service and various discount opportunities.

State Farm

State Farm is another top choice, particularly for those looking for full coverage. They offer a range of discounts, such as safe driver discounts and multi-policy discounts, which can significantly reduce your premium.

Best Car Insurance for Specific Needs

Cheapest for Young Drivers: Nationwide

Young drivers often face higher insurance premiums. Nationwide offers some of the most affordable rates for teens and young adults in Knoxville. They provide various discounts for students, such as good student and distant student discounts, making it a great option for budget-conscious families.

Cheapest for Military Families: USAA

For military members and their families, USAA is often the best choice due to their tailored policies and lower rates. USAA is renowned for its customer service and exclusive benefits for military personnel.

Best for Customer Service: Chubb

If customer service is a priority, Chubb stands out for its exceptional service quality. They offer comprehensive coverage options and are particularly praised for their claims handling process.

Tips to Lower Your Car Insurance Premiums

Shop Around

It’s crucial to compare quotes from different insurance companies. Rates can vary significantly from one provider to another, so shopping around can help you find the best deal.

Take Advantage of Discounts

Most insurance companies offer various discounts that can lower your premiums. Common discounts include:

  • Safe driver discounts
  • Multi-policy discounts
  • Good student discounts
  • Bundling home and auto insurance

Raise Your Deductible

Increasing your deductible can lower your monthly premiums. Just ensure you can afford the higher out-of-pocket cost in case of an accident.

Maintain a Good Credit Score

In Tennessee, your credit score can impact your insurance rates. Maintaining a good credit score can help you secure lower premiums.

Consider Usage-Based Insurance

Some providers offer usage-based insurance programs that track your driving habits. If you are a safe and infrequent driver, these programs can lead to significant savings.


Choosing the right insurance in Knoxville involves a combination of comparing quotes, understanding your specific needs, and selecting a provider that offers the best balance of cost and coverage. Whether you're looking for car insurance or homeowners insurance, this guide should help you navigate your options effectively.

For more personalized quotes or further assistance, I recommend reaching out to local agents or using online comparison tools. Your peace of mind and financial security are worth the effort!

How We Rank and Researched

To compile the information for this article we used a team of researchers to assess results based on Yelp and Google and ranked based on the highest ratings and popular local establishments. We also used search engine results to pull and consolidate multiple reviews to ensure we provide an unbiased opinion based on multiple sources