Knoxville, TN
Cheap Car Insurance in Knoxville
Knoxville drivers pay an average of $1,449/year for auto insurance — 5% below the Tennessee state average. Compare quotes and save.
Why Knoxville drivers pay less
Knoxville premiums run below the Tennessee state average — lower density. Across Tennessee, the average annual premium is $1,525; Knoxville comes in at about $1,449 — 5% below the state benchmark.
Premiums vary widely within Knoxville based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your Knoxville car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in Knoxville can shift your premium 10-20%.
Knoxville drivers
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