Knoxville, Tennessee’s winding roads through the foothills of the Great Smoky Mountains can be both beautiful and dangerous, with their steep inclines and sometimes icy conditions. Meanwhile, things can get dicey around the I-40/I-75 interchange, during rush hour downtown or when a Vols game lets out.
If you’re driving around Tennessee, make sure you have car insurance so you’re driving legally and are financially protected on the road. We’ve gathered data from Jerry customers in Knoxville to show how car insurance costs vary based on factors like age and driving history.
Cheapest minimum coverage insurance in Knoxville
Here are the cheapest quotes that Jerry customers in Knoxville have received for state-mandated minimum coverage:
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $30 | $364 | Progressive | 38 | February 26, 2025 | Knoxville, TN | 37918 |
| $31 | $371 | Progressive | 39 | February 22, 2025 | Knoxville, TN | 37931 |
| $32 | $388 | Progressive | 47 | July 25, 2024 | Knoxville, TN | 37931 |
| $33 | $390 | Progressive | 63 | February 17, 2025 | Knoxville, TN | 37917 |
| $33 | $394 | Progressive | 55 | December 15, 2024 | Knoxville, TN | 37923 |
| $34 | $402 | Progressive | 32 | June 12, 2024 | Knoxville, TN | 37932 |
| $39 | $466 | Progressive | 64 | November 11, 2024 | Knoxville, TN | 37920 |
| $39 | $466 | Trexis | 54 | December 16, 2023 | Knoxville, TN | 37923 |
| $39 | $470 | Trexis | 50 | September 22, 2023 | Knoxville, TN | 37931 |
| $40 | $476 | Progressive | 35 | March 9, 2024 | Knoxville, TN | 37909 |
Tennessee requires drivers to carry these minimum coverage levels:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Knoxville
Full coverage may pay for damage to your vehicle from collisions, vandalism, fire, theft and weather-related incidents. Here are the cheapest quotes for full coverage in Knoxville.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $33 | $390 | Progressive | 63 | February 17, 2025 | Knoxville, TN | 37917 |
| $33 | $394 | Progressive | 55 | December 15, 2024 | Knoxville, TN | 37923 |
| $34 | $402 | Progressive | 32 | June 12, 2024 | Knoxville, TN | 37932 |
| $39 | $466 | Progressive | 64 | November 11, 2024 | Knoxville, TN | 37920 |
| $42 | $500 | Progressive | 66 | May 16, 2024 | Knoxville, TN | 37921 |
| $44 | $526 | Progressive | 32 | June 11, 2024 | Knoxville, TN | 37932 |
| $49 | $592 | Progressive | 28 | March 9, 2025 | Knoxville, TN | 37923 |
| $51 | $608 | Progressive | 48 | January 4, 2025 | Knoxville, TN | 37920 |
| $52 | $620 | Progressive | 36 | December 20, 2024 | Knoxville, TN | 37938 |
| $52 | $624 | Progressive | 39 | November 1, 2024 | Knoxville, TN | 37921 |
Cheapest car insurance for young drivers in Knoxville (18-29 years old)
Young drivers often pay the highest premiums for auto insurance because they lack driving experience, which insurers view as risky. Here are the cheapest quotes that young Jerry customers in Knoxville have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $494 | Progressive | 26 | No | February 7, 2025 | Knoxville, TN | 37923 |
| $46 | $552 | Progressive | 23 | No | February 27, 2025 | Knoxville, TN | 37917 |
| $49 | $592 | Progressive | 28 | No | March 9, 2025 | Knoxville, TN | 37923 |
| $49 | $592 | Progressive | 28 | Yes | March 9, 2025 | Knoxville, TN | 37923 |
| $53 | $640 | Trexis | 26 | No | March 11, 2024 | Knoxville, TN | 37923 |
Cheapest car insurance for mature drivers in Knoxville (30-54 years old)
Mature drivers in Knoxville are likely to get lower rates than younger drivers. Shop around for quotes regularly to get the best premium. Here are the cheapest quotes that mature drivers in Knoxville have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $30 | $364 | Progressive | 38 | No | February 26, 2025 | Knoxville, TN | 37918 |
| $31 | $371 | Progressive | 39 | No | February 22, 2025 | Knoxville, TN | 37931 |
| $32 | $388 | Progressive | 47 | No | July 25, 2024 | Knoxville, TN | 37931 |
| $34 | $402 | Progressive | 32 | Yes | June 12, 2024 | Knoxville, TN | 37932 |
| $39 | $466 | Trexis | 54 | No | December 16, 2023 | Knoxville, TN | 37923 |
Cheapest car insurance for older drivers in Knoxville (55+ years old)
Drivers above 54 years old generally pay the lowest rates for car insurance, until they reach their 70s when rates start climbing again. These are the cheapest quotes that older drivers in Knoxville have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $33 | $390 | Progressive | 63 | February 17, 2025 | Knoxville, TN | 37917 | Yes |
| $33 | $394 | Progressive | 55 | December 15, 2024 | Knoxville, TN | 37923 | Yes |
| $39 | $466 | Progressive | 64 | November 11, 2024 | Knoxville, TN | 37920 | Yes |
| $42 | $500 | Progressive | 66 | May 15, 2024 | Knoxville, TN | 37921 | No |
| $42 | $500 | Progressive | 66 | May 16, 2024 | Knoxville, TN | 37921 | Yes |
Cheapest car insurance for drivers with clean records in Knoxville
Drivers with clean records generally pay the lowest rates for car insurance. These are the cheapest quotes for drivers with clean records in Knoxville, based on quotes received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $30 | $364 | Progressive | 38 | February 26, 2025 | No | Knoxville, TN | 37918 |
| $31 | $371 | Progressive | 39 | February 22, 2025 | No | Knoxville, TN | 37931 |
| $32 | $388 | Progressive | 47 | July 25, 2024 | No | Knoxville, TN | 37931 |
| $33 | $390 | Progressive | 63 | February 17, 2025 | Yes | Knoxville, TN | 37917 |
| $33 | $394 | Progressive | 55 | December 15, 2024 | Yes | Knoxville, TN | 37923 |
| $39 | $466 | Progressive | 64 | November 11, 2024 | Yes | Knoxville, TN | 37920 |
| $39 | $466 | Trexis | 54 | December 16, 2023 | No | Knoxville, TN | 37923 |
| $39 | $470 | Trexis | 50 | September 22, 2023 | No | Knoxville, TN | 37931 |
| $40 | $476 | Progressive | 35 | March 9, 2024 | No | Knoxville, TN | 37909 |
| $40 | $482 | The General | 54 | December 16, 2023 | No | Knoxville, TN | 37923 |
Cheapest car insurance for drivers with low credit scores in Knoxville
Tennessee allows insurers to use credit scores to set drivers’ rates. Having a lower credit score will likely increase your insurance costs. Since every insurer uses a different formula to price rates, shopping around for quotes can help you find the cheapest policy. Here are the cheapest quotes that Jerry customers in Knoxville, who have a credit score under 550, have received.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $49 | $584 | Gainsco | 63 | November 5, 2023 | Knoxville, TN | 37921 |
| <550 | $51 | $608 | Progressive | 48 | January 4, 2025 | Knoxville, TN | 37920 |
| <550 | $55 | $660 | Trexis | 57 | May 14, 2024 | Knoxville, TN | 37938 |
| <550 | $55 | $664 | Progressive | 48 | November 27, 2024 | Knoxville, TN | 37918 |
| <550 | $56 | $666 | Progressive | 57 | May 14, 2024 | Knoxville, TN | 37938 |
Cheapest car insurance for drivers with at-fault accidents in Knoxville
If you have recently been in an accident, your premiums will likely increase. Compare multiple quotes from various insurers to ensure you are getting the cheapest rate. Here are the cheapest quotes for drivers in Knoxville with at-fault accidents on their records, based on Jerry’s quote data.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $48 | $574 | Trexis | 39 | No | October 14, 2023 | Knoxville, TN | 37920 |
| At Fault With No Injury | $49 | $592 | Progressive | 28 | Yes | March 9, 2025 | Knoxville, TN | 37923 |
| At Fault With No Injury | $49 | $592 | Progressive | 28 | No | March 9, 2025 | Knoxville, TN | 37923 |
| At Fault With No Injury | $58 | $698 | National General | 37 | No | January 19, 2025 | Knoxville, TN | 37932 |
| At Fault With No Injury | $59 | $708 | Trexis | 44 | No | July 10, 2024 | Knoxville, TN | 37914 |
Cheapest car insurance for drivers with speeding tickets in Knoxville
Getting a speeding ticket will likely increase your premium. If you’ve recently received a speeding ticket, shop around for quotes to find the cheapest policy. These are the cheapest quotes that drivers with speeding tickets in Knoxville have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $60 | $714 | Trexis | 34 | March 26, 2024 | Knoxville, TN | 37924 |
| Speeding over 15 | $60 | $714 | Trexis | 34 | March 22, 2024 | Knoxville, TN | 37924 |
| Speeding over 15 | $61 | $732 | Electric | 26 | November 18, 2024 | Knoxville, TN | 37932 |
| Speeding over 15 | $63 | $758 | National General | 27 | March 2, 2025 | Knoxville, TN | 37912 |
| Speeding under 15 | $67 | $804 | Trexis | 27 | March 18, 2024 | Knoxville, TN | 37909 |
Cheapest car insurance for drivers with DUIs in Knoxville
A DUI on your record usually increases your premium, and some insurers may not renew your policy if you receive one. If you’ve recently received a DUI violation, compare quotes from multiple insurers to get the best price. Here are the cheapest quotes that drivers in Knoxville with DUIs have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $74 | $882 | Gainsco | 36 | January 8, 2025 | Knoxville, TN | 37921 |
| DUI | $99 | $1,182 | Progressive | 32 | November 9, 2024 | Knoxville, TN | 37923 |
| DUI | $109 | $1,304 | Bristol West | 36 | January 8, 2025 | Knoxville, TN | 37921 |
| DUI | $142 | $1,702 | Progressive | 36 | January 8, 2025 | Knoxville, TN | 37921 |
| DUI | $182 | $2,184 | Trexis | 34 | March 8, 2025 | Knoxville, TN | 37931 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
