For a 40-year-old driver with a clean record, Knoxville car insurance averages about $174 a month ($2,082 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% below the Tennessee average of $187 a month. Progressive has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and Progressive), at about $113 a month.
Knoxville is priced below the Tennessee average for our benchmark driver: about $13 a month less than the state average and about $18 a month less than Nashville.
Our data covers 16 ZIP codes with a Knoxville mailing address, from about $167 a month in 37932 to $179 in 37915 and 37916.
Cost data comes from the auto rates insurers file with state regulators, priced across all 16 Knoxville ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Knoxville, TN?
Full coverage in Knoxville averages $2,082 a year, or about $174 a month, for our benchmark driver. Liability-only coverage at 25/50/15 limits averages $672 a year ($56 a month), and 50/100/50 liability with comprehensive and collision averages $2,052 ($171 a month).
- Full coverage (100/300/100, $500 deductibles): $2,082 a year ($174 a month)
- 50/100/50 with $500 deductibles: $2,052 a year ($171 a month)
- Liability only (25/50/15): $672 a year ($56 a month)
- Knox County: $2,075 a year ($173 a month) for full coverage
- Tennessee average: $2,238 a year ($187 a month) for full coverage
- ZIP code range: $167 (37932) to $179 (37915 and 37916) a month for full coverage
Cheap Car Insurance in Knoxville: Companies Compared
- Lowest average among the three major insurers we compared, full coverage: Progressive, at about $113 a month ($1,360 a year).
- Next lowest: GEICO, at about $155 a month.
- Liability only (25/50/15): about $29 to $85 a month across the three insurers.
- State Farm (Nov. 2025 rates)*: about $218 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $109 a month, USAA at $113, Auto-Owners at $131, Tennessee Farm Bureau at $148 and Erie at $154 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $252 a month, $1,665 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the three insurers in our Knoxville rate data. The published 2026 statewide Tennessee rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six put it first, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/15 limits, averages run from about $29 to $85 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Knoxville
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/15 (Yearly): | Liability Only 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $352 | $29 | $1,360 | $113 |
| GEICO | $641 | $53 | $1,863 | $155 |
| Allstate | $1,022 | $85 | $3,025 | $252 |
| State Farm (Nov. 2025 rates)* | $719 | $60 | $2,616 | $218 |
| Travelers* | $455 | $38 | $1,310 | $109 |
| USAA (military families)* | $393 | $33 | $1,350 | $113 |
| Auto-Owners* | $487 | $41 | $1,577 | $131 |
| Tennessee Farm Bureau* | $459 | $38 | $1,776 | $148 |
| Erie Insurance* | $479 | $40 | $1,844 | $154 |
| Knoxville average | $672 | $56 | $2,082 | $174 |
This table uses Knoxville ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Knoxville Car Insurance Rates by ZIP Code
Across the 16 Knoxville ZIP codes we price, full coverage for our driver ranges from about $167 a month in 37932 to $179 in 37915 and 37916, a gap of $151 a year. West Knox County ZIP codes such as 37931 and 37932 are the least expensive in our data, and central and east Knoxville ZIP codes such as 37915, 37916 and 37917 the most expensive.
Lowest-priced Knoxville ZIP codes
Highest-priced Knoxville ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Knoxville’s average.
| ZIP Code: | Liability Only 25/50/15 (Yearly): | Liability Only 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 37909 | $680 | $57 | $2,117 | $176 | +1% |
| 37912 | $673 | $56 | $2,098 | $175 | +1% |
| 37914 | $666 | $56 | $2,112 | $176 | +1% |
| 37915 | $674 | $56 | $2,145 | $179 | +3% |
| 37916 | $697 | $58 | $2,150 | $179 | +3% |
| 37917 | $675 | $56 | $2,134 | $178 | +2% |
| 37918 | $671 | $56 | $2,047 | $171 | -2% |
| 37919 | $679 | $57 | $2,104 | $175 | +1% |
| 37920 | $651 | $54 | $2,042 | $170 | -2% |
| 37921 | $669 | $56 | $2,098 | $175 | +1% |
| 37922 | $670 | $56 | $2,047 | $171 | -2% |
| 37923 | $673 | $56 | $2,082 | $174 | About average |
| 37924 | $670 | $56 | $2,073 | $173 | -1% |
| 37931 | $675 | $56 | $2,029 | $169 | -3% |
| 37932 | $658 | $55 | $1,999 | $167 | -4% |
| 37938 | $666 | $56 | $2,038 | $170 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Knoxville?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $30 a year on average in our Knoxville data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. GEICO charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Knoxville?
Not for full coverage, for our benchmark driver. Comparing the same insurers in the same Knoxville ZIP codes, full coverage averaged $2,117 a year nine months earlier and $2,082 in rates as of Aug. 31, 2026, a 1.7% drop. Progressive cut its Knoxville average 12.0%, while GEICO raised its average 4.5%; Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/15 limits rose 5.2%, led by Progressive, which raised its liability-only average 13.5%.
What Shapes Car Insurance Costs in Knoxville
Knox County averages about $173 a month for full coverage, the 57th-most expensive of the 89 Tennessee counties we price.
Farragut averages about $167 a month and Powell $168, and Maryville, south in Blount County, $164. Prices depend on where in Tennessee you live, not just on your car and driving record.
How Knoxville Car Insurance Compares With Other Tennessee Cities
More Tennessee cities and towns are in the Tennessee rates by city table, and you can compare states on our car insurance rates by state page.
Chattanooga, about 95 miles southwest, averages $177 a month, and Johnson City, about 95 miles northeast, $150.
What Car Insurance Is Required in Knoxville?
Drivers in Knoxville follow Tennessee’s rules. Every vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Or a $65,000 single-limit policy instead of split limits
Our Tennessee requirements guide covers the details and how the state checks your coverage.
How to Lower Your Car Insurance Rate in Knoxville
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the three major insurers we compared in Knoxville, about $113 and $155 a month.
- Quote several insurers. Among the three major insurers we compared in Knoxville, the lowest and highest averages are about $139 a month apart for the same driver and car.
- Check your insurer’s rate changes before you renew. The Department of Commerce and Insurance publishes each insurer’s monthly auto rate changes in Tennessee.
- Compare at every renewal. Over the past nine months, Progressive has cut its Knoxville average 12.0%, while GEICO has raised its average 4.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Tennessee, then compare free home insurance quotes.
Ready to compare
How We Calculated Knoxville Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 48 full-coverage premiums from three insurers across 16 Knoxville ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Tennessee averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/15 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Tennessee’s minimum is now 25/50/25, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other three insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Tennessee rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Tennessee law and the Tennessee Department of Commerce and Insurance. We refresh these figures when new rate data is released.
Knoxville Car Insurance FAQ
For our benchmark driver, full coverage in Knoxville averages about $174 a month ($2,082 a year) and liability-only coverage at 25/50/15 limits about $56 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 7% below the Tennessee average of $187 a month.
Progressive has the lowest full-coverage average in our Knoxville rate data, at about $113 a month, followed by GEICO at $155. For liability-only coverage at 25/50/15 limits, averages run from about $29 to $85 a month. Four of the six published 2026 statewide Tennessee rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Knoxville, for our benchmark driver. Knoxville full coverage averages about $174 a month and Nashville about $192, a difference of about $18 a month for the same driver and car.
In our data, 37932 has the lowest full-coverage average in Knoxville, at about $167 a month, and 37915 and 37916 the highest, at about $179. The ZIP code table on this page lists all 16.
In our Knoxville data, full coverage (100/300/100 with $500 deductibles) averages about $174 a month and liability-only coverage at 25/50/15 limits about $56, a difference of about $118 a month ($1,410 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Tennessee law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Knoxville full coverage fell 1.7% over the past nine months, from about $2,117 to $2,082 a year. Progressive cut its Knoxville average 12.0%, while GEICO raised its average 4.5%. Liability-only coverage at 25/50/15 limits rose 5.2%.
For our benchmark driver, full coverage in Knoxville averages about $174 a month. Nearby, Chattanooga averages about $177, Johnson City about $150 and Murfreesboro about $174. Johnson City is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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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.
