How Much Does Car Insurance Cost in Knoxville, TN?
Knoxville car insurance averages $156 a month for full coverage and $30 a month for state-minimum liability in 2026, based on InsuranceQuotes.com’s own rate data for the city. Local drivers also contend with the I-40/I-75/I-275 split downtown, one of the most congested interchanges in Tennessee, plus Henley Street Bridge traffic and one of the nation’s higher uninsured-motorist rates — factors carriers weigh when pricing policies here. Comparing quotes from Farm Bureau of Tennessee, State Farm and GEICO, the cheapest local providers, can help Knoxville drivers save even more.
Rates last verified and updated: July 2026.
- State minimum liability on average in Knoxville, TN costs $53 a month or $637 a year. Full coverage auto policies costs around $235 a month or $2,825 a year in Knoxville.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Knoxville – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
What are the Cheapest Car Insurance Companies in Knoxville, TN?
- In Knoxville the cheapest car insurance companies on average are Farm Bureau of Tennessee, State Farm and GEICO. State minimum liability car insurance starts at $30 a month or $358 a year with Farm Bureau of Tennessee. The cheapest full coverage car insurance starts at $156 a month or $1,869 a year.
Here are the average policy rates from the cheapest local and national insurance providers in Knoxville from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | Monthly: | Full Coverage Policy: | Monthly: |
|---|---|---|---|---|
| Farm Bureau of Tennessee | $358 | $30 | $1,869 | $156 |
| State Farm | $557 | $46 | $2,552 | $213 |
| GEICO | $567 | $47 | $2,688 | $224 |
| Progressive | $684 | $57 | $3,925 | $327 |
| Allstate | $708 | $59 | $3,257 | $271 |
Finding a Cheap Auto Insurance Policy in Knoxville, TN
When it comes to auto insurance policy rates in Knoxville, finding the cheapest option can be crucial for saving money. Drivers should take advantage of InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools to get multiple free auto insurance quotes from both local and national companies all in one place. By comparing these quotes side by side, drivers can ensure they are getting the best deal possible while still receiving quality coverage. With our extensive database of affordable insurance options, finding cheap car insurance in Knoxville has never been easier or more convenient for residents looking to save on their premiums.
How Much Car Insurance Do I Need in Tennessee?
In Tennessee, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Tennessee includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Tennessee requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Tennessee requires minimum property damage liability coverage of:
- $25,000 for injury to or destruction of property of others in any one accident
- $25,000 for injury to or destruction of property of others in any one accident
These are the minimum coverage requirements mandated by Tennessee law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Tennessee also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Tennessee and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Whichever city you compare, get quotes from at least three providers using your own ZIP code and driver profile — it remains the most reliable way to find your lowest rate in Tennessee.
Car insurance in Knoxville, TN averages $30/month for state-minimum coverage and $156/month for full coverage in 2026, based on InsuranceQuotes.com’s own rate data for the city. Farm Bureau of Tennessee offers the cheapest state-minimum coverage locally, with State Farm and GEICO also among the most affordable providers. Comparing quotes from multiple carriers is the best way to find the lowest rate for your specific profile in Knoxville.
TN requires minimum coverage of 25/50/25. TN is a tort state — the at-fault driver is legally responsible for the other party’s damages. Driving without insurance in TN risks license suspension and fines.
No. TN is a tort state. The at-fault driver is responsible for the other party’s injuries and property damage. Your liability coverage pays for damages you cause to others.
For Knoxville drivers in 2026, Farm Bureau of Tennessee, State Farm and GEICO are consistently among the cheapest local options, with state-minimum coverage starting around $30/month and full coverage from about $156/month. Rate differences between carriers in TN can exceed $50 to $80/month for identical coverage — always compare at renewal.
Tennessee is a tort state. Nashville and Memphis drivers pay significantly more than rural Tennessee due to higher traffic density and theft rates. To lower your Knoxville premium: (1) compare at least three carrier quotes annually, (2) keep a clean driving record, (3) bundle auto and home or renters for 5 to 15% savings, and (4) consider raising your collision and comprehensive deductible to $1,000 to cut full-coverage costs by 10 to 15%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
