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Get cheap auto policy rates in TN

How Much Does Car Insurance Cost in Knoxville, TN?

  • 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.

Knoxville, TN Car Insurance

What are the Cheapest Car Insurance Companies in Knoxville, TN?

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

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:

  1. 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
  2. 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:
    • $15,000 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:

  1. 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.
  2. 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.
  3. 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.
  4. Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
  5. 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.
  6. Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
  7. Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
  8. Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
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