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Find the Best Car Insurance in Knoxville, TN

by Sandi Pope ConsumerAffairs Research Team

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.

Top 13 Knoxville Car Insurance Companies

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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.

ComprehensiveLiabilityState 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

    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

    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 Knoxville

    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

    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

    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 Agency

    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

    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

    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 Auto Insurance Knoxville

    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

    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
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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