Best Car Insurance in Knoxville, TN
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Best Car Insurance in Knoxville, TN
Tennessee requires all drivers to have car insurance, but good auto insurance also protects you from out-of-pocket expenses after a theft or accident, even if it’s your fault. We compiled our recommendations for the best car insurance companies in Knoxville to help you find the right coverage.
- Our recommendations are based on what reviewers say.
- 4,568,019 reviews on ConsumerAffairs are verified.
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Top 13 Knoxville Car Insurance Companies | ||||||
|---|---|---|---|---|---|---|
Read 2,335 Reviews
| Protects drivers with standard and specialty coverages. Policies include claim satisfaction guarantee, Drivewise and Allstate Rewards. Accident forgiveness and roadside assistance add-ons. Offers more than 10 types of discounts. | | Chat with a ConsumerAffairs decision guide | |||
Read Reviews
| Compares insurance offers from various providers. Requires some personal information, vehicle details and insurance and driving history for quotes. Over 50 million people use its free online service. | | Chat with a ConsumerAffairs decision guide | |||
Free online marketplace that matches you with car insurers in minutes. Works with more than 160 insurance companies. Has handled over 35 million quote requests. Offers online resources on car insurance topics. | | Chat with a ConsumerAffairs decision guide | ||||
| Read Author Review | Offers car insurance policies for high-risk drivers, teenagers and seniors. Gives free quotes by phone and online. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Includes free roadside assistance with most plans. Gives free quotes by phone, in person and online. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Gives discounts for insuring multiple vehicles, having a good driving record and bundling your home and auto insurance. Provides free car insurance quotes online and by phone. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Has five Knoxville locations. Provides free quotes online, by phone or in store. Gives discounts to safe drivers, senior citizens, good students and military members. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Gives free car insurance quotes online. Offers many different discounts, including those for safe driving, taking driver education courses and bundling home and auto insurance. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Offers discounts for bundling car and home insurance, having a good driving record and low mileage. Sells auto policies from more than 15 insurance carriers. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Customers save money by bundling home and auto insurance, insuring multiple vehicles and having a good driving record. Get a free quote online or over the phone. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Deals with six national car insurance carriers. Offers discounts for safe driving, insuring multiple vehicles and bundling home and auto insurance. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Employs bilingual agents. Gives free quotes in person, by phone and online. Partners with more than 10 insurance carriers. |  | Chat with a ConsumerAffairs decision guide | |||
| Read Author Review | Works with more than five national car insurance carriers. Sends out free quotes on its website or via email. |  | Chat with a ConsumerAffairs decision guide | |||
The state of Tennessee requires drivers in Knoxville to have car insurance, but that’s not the only reason to purchase a policy. Auto insurance protects you financially after a car accident or theft. Knoxville is a highly populated area that has an average of 8,000 car accidents a year, and this number continues to rise. Should you get into an accident, having adequate car insurance coverage can mean the difference between getting a new car and going into debt. Keep reading to learn more about auto insurance and how to find the right coverage for you.
How much is car insurance in Knoxville?
On average, car insurance in Knoxville ranges from $40 a month for state minimum liability insurance to $120 a month for full coverage.
Where you live in Knoxville also plays a part. Residents who live in neighborhoods with more vandalism and vehicle theft tend to pay higher premiums. The table below provides estimates for a yearly car insurance premium for a 30-year-old woman living in different Knoxville neighborhoods with varying levels of coverage.
| Comprehensive | Liability | State minimum | |
|---|---|---|---|
| Fort Sanders - 37919 | $1,320 | $516 | $480 |
| Fountain City - 37918 | $1,356 | $516 | $480 |
| Parkridge - 37917 | $1,332 | $504 | $480 |
| South Knoxville - 37920 | $1,320 | $504 | $480 |
Besides your ZIP code and coverage level, other factors affect your yearly premium include:
- Gender
- Age
- Driving history (tickets and moving violations)
- Car’s make and model
Tennessee car insurance companies also price their policies based on their deductibles. Typically, high-deductible policies have lower premiums. However, you may end up paying more out of pocket after an accident or vehicle theft with a higher deductible.
If you can’t afford the coverage you want, check out our tips for saving money on your car insurance.
Do you have to have auto insurance in Tennessee?
Auto insurance is a requirement to drive a car in Tennessee. Specifically, the government makes drivers hold liability insurance to cover any injuries or damages resulting from a car accident. The minimum liability coverage requirements for car insurance in Knoxville are 25/50/15, meaning your policy must provide:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
- $15,000 for property damage per accident
According to the Insurance Research Council, 20% of Tennessee drivers are uninsured. If your car insurance doesn’t meet the state’s minimum coverage requirements or you don’t have insurance at all, you face a Class C misdemeanor. An insurance violation can result in fines, license suspension and having a "stop" placed on your license, which prevents you from renewing your car registration.
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Knoxville car insurance company information
Knoxville Insurance Group works with AAA, Auto-Owners Insurance, Nationwide, Progressive, Safeco and Travelers to provide insurance policies for standard cars as well as motorcycles, classic cars and high-performance cars. Customers can request a free quote online.
- Address: 220 S. Peters Road, Ste. 103, Knoxville, TN 37923
- Phone: (865) 694-9788
- Hours: M - F: 9am - 4:30pm
- Website: knoxvilleinsurancegroup.com
John Bailey Company has policies to cover cars, trucks, SUVs and vans, including antique cars, classic cars and high-performance vehicles. The company deals with nine national insurance carriers, including Progressive, Liberty Mutual and Travelers. To file a claim, customers can use the company’s mobile app.
- Address: 1011 N. Broadway St., Knoxville, TN 37917
- Phone: (865) 524-0785
- Hours: M - F: 8:30am - 5pm
- Website: johnbaileyco.com
Direct Auto Insurance offers cheap car insurance policies that cover trucks, SUVs, vans, motorcycles and cars, including antique and luxury vehicles. Direct does not require customers to have a checking account or credit card to get car insurance.
- Address: 1423 Magnolia Ave., Knoxville, TN 37917; Multiple locations
- Phone: (865) 637-4945
- Hours: M - F: 9am - 5:30pm; Sat: 9am - 2pm
- Website: local.directauto.com/tennessee/knoxville
Meridian Insurance partners with more than 10 car insurance carriers, including Allstate, Progressive, Liberty Mutual and American Modern Insurance Group, which covers collectors' cars. Multiple discounts are available for good drivers, military members and customers bundling home and auto insurance, to name a few.
- Address: 800 S. Gay St., Ste. P340, Knoxville, TN 37929
- Phone: (800) 207-7079
- Hours: M - F: 8am - 5pm
- Website: mymeridianinsurance.com/auto-insurance
Harrington Insurance Agency works with Safeco, Travelers, Grange, Auto-Owners Insurance and Progressive to provide cheap car insurance policies for Knoxville residents. Its policies cover standard vehicles as well as motorcycles, RVs, boats and golf carts.
- Address: 3209 Garden Drive, Knoxville, TN 37918
- Phone: (865) 687-9968
- Hours: M - F: 8am - 4:30pm
- Website: harringtonagency.com
Whedbee Insurance has policies that cover all your car insurance needs, including antique cars, classic cars, hybrids, imports, luxury vehicles, sports cars, minivans, SUVs and trucks. The agency sells policies from Allied, Foremost, Kemper, Hartford, Progressive and Utica National Insurance Group. Customers file claims through the insurance carrier that provides their policy. Numerous discounts are available, including options for good drivers, energy-efficient vehicles and seniors.
- Address: 6426 Baum Drive, Ste. B, Knoxville, TN 37919
- Phone: (865) 584-2275
- Hours: M - F: 8:30am - 5:30pm
- Website: whedbeeinsurance.com
IRM Insurance deals with more than 15 insurance carriers to provide Knoxville drivers with car insurance. To receive a free quote, customers can call, request one online or visit IRM’s Knoxville office.
- Address: 11002 Kingston Pike, Knoxville, TN 37922
- Phone: (865) 579-0500
- Hours: M - F: 9am - 5pm
- Website: tninsurancestore.com
Carr Insurance Group offers policies from more than 20 national and regional insurance carriers to provide Knoxville drivers with a wide selection of cheap car insurance policies. The company claims it can find you a policy no matter what car you drive.
- Address: 192B Market Place Blvd., Knoxville, TN 37922
- Phone: (865) 688-1212
- Hours: M - Th: 9am - 5pm; F: 9am - 1pm
- Website: carrinsurancegroup.com
Acceptance Insurance offers a variety of insurance types, including SR-22s and policies for teenage drivers, high-risk drivers and seniors. Policies cover standard cars as well as specialty vehicles. Discounts are available for policy renewals, good driving, paperless statements and bundling home and auto insurance.
- Address: 4409 Chapman Highway, Ste. I, Knoxville, TN 37920; Multiple locations
- Phone: (865) 577-0202
- Hours: M - W: 9am - 6pm; F: 9am - 6pm; Sat: 10am - 5pm
- Website: acceptanceinsurance.com
Broadway Insurance Agency offers coverage for cars, trucks, motorcycles and RVs. The agency partners with Safeco, Travelers, Progressive and Grange. Customers receive numerous discounts, including savings for safe driving, driver education courses and bundling insurance policies.
- Address: 102 E. Adair Drive, Knoxville, TN 37918
- Phone: (865) 689-6228
- Hours: M - F: 8:30am - 5pm
- Website: broadway-ins.com