Knoxville, Tennessee’s winding roads through the foothills of the Great Smoky Mountains can be both beautiful and dangerous, with their steep inclines and sometimes icy conditions. Meanwhile, things can get dicey around the I-40/I-75 interchange, during rush hour downtown or when a Vols game lets out.
If you’re driving around Tennessee, make sure you have car insurance to ensure you’re financially protected on the road. We’ve gathered data from Jerry customers in Knoxville to show how car insurance costs vary based on factors like age and driving history.
Cheapest minimum coverage insurance in Knoxville
Here are the cheapest quotes that Jerry customers in Knoxville have received for state-mandated minimum coverage:
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $28 | $334 | Progressive | 38 | 06/17/25 | Knoxville, TN | 37938 |
| $28 | $340 | National General | 40 | 06/18/25 | Knoxville, TN | 37932 |
| $29 | $344 | Progressive | 58 | 09/03/25 | Knoxville, TN | 37915 |
| $33 | $400 | Progressive | 44 | 06/23/25 | Knoxville, TN | 37921 |
| $35 | $420 | Electric | 37 | 06/13/25 | Knoxville, TN | 37918 |
| $36 | $436 | Progressive | 43 | 06/21/25 | Knoxville, TN | 37920 |
| $40 | $482 | Progressive | 37 | 06/13/25 | Knoxville, TN | 37917 |
| $40 | $482 | National General | 50 | 07/28/25 | Knoxville, TN | 37918 |
| $41 | $494 | Progressive | 46 | 06/27/25 | Knoxville, TN | 37920 |
| $41 | $494 | Electric | 45 | 06/25/25 | Knoxville, TN | 37923 |
Tennessee requires drivers to carry these minimum coverage levels:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
If you have a loan or lease on your vehicle, the lender will require
More: Best car insurance in Tennessee
Cheapest full coverage insurance in Knoxville
Full coverage may pay for damage to your vehicle from collisions, vandalism, fire, theft and weather-related incidents. Here are the cheapest quotes for full coverage in Knoxville.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $494 | National General | 58 | 07/19/25 | Knoxville, TN | 37931 |
| $53 | $630 | Progressive | 37 | 06/20/25 | Knoxville, TN | 37914 |
| $54 | $648 | Assurance America | 46 | 09/20/25 | Knoxville, TN | 37912 |
| $54 | $652 | Progressive | 45 | 06/25/25 | Knoxville, TN | 37918 |
| $57 | $680 | Electric | 53 | 08/20/25 | Knoxville, TN | 37923 |
| $60 | $716 | National General | 36 | 06/14/25 | Knoxville, TN | 37924 |
| $61 | $736 | National General | 40 | 06/18/25 | Knoxville, TN | 37932 |
| $65 | $780 | Electric | 46 | 08/25/25 | Knoxville, TN | 37917 |
| $77 | $918 | Bristol West | 54 | 09/29/25 | Knoxville, TN | 37921 |
| $77 | $922 | Bristol West | 41 | 06/19/25 | Knoxville, TN | 37914 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Cheapest car insurance in Tennessee
Cheapest car insurance for young drivers in Knoxville (18-29 years old)
Young drivers often pay the highest premiums for auto insurance because they lack driving experience, which insurers view as risky. Here are the cheapest quotes that young Jerry customers in Knoxville have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $56 | $668 | Electric | 29 | No | 09/11/25 | Knoxville, TN | 37916 |
| $61 | $730 | ROOT | 27 | No | 09/29/25 | Knoxville, TN | 37922 |
| $64 | $772 | National General | 28 | No | 10/05/25 | Knoxville, TN | 37919 |
| $70 | $840 | Electric | 21 | No | 04/29/25 | Knoxville, TN | 37918 |
| $74 | $894 | National General | 29 | No | 06/17/25 | Knoxville, TN | 37917 |
| $60 | $716 | National General | 36 | 06/14/25 | Knoxville, TN | 37924 | |
| $61 | $736 | National General | 40 | 06/18/25 | Knoxville, TN | 37932 | |
| $65 | $780 | Electric | 46 | 08/25/25 | Knoxville, TN | 37917 | |
| $77 | $918 | Bristol West | 54 | 09/29/25 | Knoxville, TN | 37921 | |
| $77 | $922 | Bristol West | 41 | 06/19/25 | Knoxville, TN | 37914 |
More: Best car insurance companies
Cheapest car insurance for mature drivers in Knoxville (30-54 years old)
Mature drivers in Knoxville are likely to get lower rates than younger drivers. Shopping for car insurance regularly to get the best premium. Here are the cheapest quotes that mature drivers in Knoxville have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $340 | National General | 40 | No | 06/18/25 | Knoxville, TN | 37932 |
| $35 | $420 | Electric | 37 | No | 06/13/25 | Knoxville, TN | 37918 |
| $36 | $436 | Progressive | 43 | No | 06/21/25 | Knoxville, TN | 37920 |
| $41 | $494 | Progressive | 46 | No | 06/27/25 | Knoxville, TN | 37920 |
| $46 | $554 | Electric | 39 | No | 06/16/25 | Knoxville, TN | 37918 |
| $60 | $716 | National General | 36 | 06/14/25 | Knoxville, TN | 37924 | |
| $61 | $736 | National General | 40 | 06/18/25 | Knoxville, TN | 37932 | |
| $65 | $780 | Electric | 46 | 08/25/25 | Knoxville, TN | 37917 | |
| $77 | $918 | Bristol West | 54 | 09/29/25 | Knoxville, TN | 37921 | |
| $77 | $922 | Bristol West | 41 | 06/19/25 | Knoxville, TN | 37914 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for older drivers in Knoxville (55+ years old)
Drivers above 54 years old generally pay the lowest rates for car insurance, until they reach their 70s when rates start climbing again. These are the cheapest quotes that older drivers in Knoxville have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $29 | $344 | Progressive | 58 | 09/03/25 | Knoxville, TN | 37915 | No |
| $41 | $494 | National General | 58 | 07/19/25 | Knoxville, TN | 37931 | Yes |
| $50 | $602 | Progressive | 68 | 08/31/25 | Knoxville, TN | 37920 | No |
| $55 | $659 | The General | 57 | 08/14/25 | Knoxville, TN | 37924 | No |
| $58 | $694 | National General | 56 | 08/13/25 | Knoxville, TN | 37920 | No |
| $60 | $716 | National General | 36 | 06/14/25 | Knoxville, TN | 37924 | |
| $61 | $736 | National General | 40 | 06/18/25 | Knoxville, TN | 37932 | |
| $65 | $780 | Electric | 46 | 08/25/25 | Knoxville, TN | 37917 | |
| $77 | $918 | Bristol West | 54 | 09/29/25 | Knoxville, TN | 37921 | |
| $77 | $922 | Bristol West | 41 | 06/19/25 | Knoxville, TN | 37914 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Knoxville
Drivers with clean records generally pay the lowest rates for car insurance. These are the cheapest quotes for drivers with clean records in Knoxville, based on quotes received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $340 | National General | 40 | 06/18/25 | No | Knoxville, TN | 37932 |
| $29 | $344 | Progressive | 58 | 09/03/25 | No | Knoxville, TN | 37915 |
| $35 | $420 | Electric | 37 | 06/13/25 | No | Knoxville, TN | 37918 |
| $36 | $436 | Progressive | 43 | 06/21/25 | No | Knoxville, TN | 37920 |
| $41 | $494 | Progressive | 46 | 06/27/25 | No | Knoxville, TN | 37920 |
| $41 | $494 | National General | 58 | 07/19/25 | Yes | Knoxville, TN | 37931 |
| $46 | $554 | Electric | 39 | 06/16/25 | No | Knoxville, TN | 37918 |
| $46 | $554 | National General | 53 | 09/10/25 | No | Knoxville, TN | 37920 |
| $50 | $602 | Progressive | 68 | 08/31/25 | No | Knoxville, TN | 37920 |
| $51 | $616 | Gainsco | 44 | 06/23/25 | No | Knoxville, TN | 37919 |
Cheapest car insurance for drivers with low credit scores in Knoxville
Tennessee allows insurers to use credit-based insurance scores to set drivers’ rates. Having a lower credit score will likely increase your insurance costs. Since every insurer uses a different formula to price rates, shopping around for quotes can help you find the cheapest policy. Here are the cheapest quotes that Jerry customers in Knoxville with credit scores below 550 have received.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $42 | $508 | Assurance America | 55 | 07/15/25 | Knoxville, TN | 37917 |
| <550 | $43 | $512 | Assurance America | 29 | 08/26/25 | Knoxville, TN | 37920 |
| <550 | $44 | $528 | Progressive | 50 | 08/09/25 | Knoxville, TN | 37912 |
| <550 | $62 | $748 | Progressive | 54 | 08/01/25 | Knoxville, TN | 37909 |
| <550 | $70 | $844 | Electric | 45 | 10/31/24 | Knoxville, TN | 37924 |
| $41 | $494 | National General | 58 | Knoxville, TN | 37931 | ||
| $46 | $554 | Electric | 39 | Knoxville, TN | 37918 | ||
| $46 | $554 | National General | 53 | Knoxville, TN | 37920 | ||
| $50 | $602 | Progressive | 68 | Knoxville, TN | 37920 | ||
| $51 | $616 | Gainsco | 44 | Knoxville, TN | 37919 |
Cheapest car insurance for drivers with at-fault accidents in Knoxville
If you have recently been in an accident, your premiums will likely increase. Compare multiple quotes from various insurers to ensure you are getting the cheapest rate. Here are the cheapest quotes for drivers in Knoxville with at-fault accidents on their records, based on Jerry’s quote data.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $42 | $508 | Assurance America | 55 | No | 07/15/25 | Knoxville, TN | 37917 |
| At Fault With No Injury | $44 | $528 | Progressive | 50 | No | 08/09/25 | Knoxville, TN | 37912 |
| At Fault With No Injury | $45 | $540 | Progressive | 65 | No | 09/05/25 | Knoxville, TN | 37923 |
| At Fault With No Injury | $47 | $560 | Progressive | 28 | No | 07/28/25 | Knoxville, TN | 37923 |
| At Fault With No Injury | $53 | $632 | Progressive | 62 | Yes | 07/29/25 | Knoxville, TN | 37914 |
| $41 | $494 | National General | 58 | Yes | Knoxville, TN | 37931 | ||
| $46 | $554 | Electric | 39 | No | Knoxville, TN | 37918 | ||
| $46 | $554 | National General | 53 | No | Knoxville, TN | 37920 | ||
| $50 | $602 | Progressive | 68 | No | Knoxville, TN | 37920 | ||
| $51 | $616 | Gainsco | 44 | No | Knoxville, TN | 37919 |
Cheapest car insurance for drivers with speeding tickets in Knoxville
Getting a speeding citation will likely increase your premium. If you’ve recently received a speeding ticket, shop around for quotes to find the cheapest policy. These are the cheapest quotes that drivers with speeding tickets in Knoxville have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $54 | $648 | The General | 47 | 09/26/25 | Knoxville, TN | 37909 |
| Speeding over 15 | $61 | $726 | ROOT | 28 | 09/22/25 | Knoxville, TN | 37918 |
| Speeding over 15 | $61 | $730 | National General | 61 | 08/15/25 | Knoxville, TN | 37912 |
| Speeding over 15 | $79 | $952 | National General | 24 | 09/11/25 | Knoxville, TN | 37912 |
| Speeding over 15 | $84 | $1,006 | ROOT | 30 | 08/13/25 | Knoxville, TN | 37922 |
| $41 | $494 | National General | 58 | 07/19/25 | Knoxville, TN | 37931 | |
| $46 | $554 | Electric | 39 | 06/16/25 | Knoxville, TN | 37918 | |
| $46 | $554 | National General | 53 | 09/10/25 | Knoxville, TN | 37920 | |
| $50 | $602 | Progressive | 68 | 08/31/25 | Knoxville, TN | 37920 | |
| $51 | $616 | Gainsco | 44 | 06/23/25 | Knoxville, TN | 37919 |
Cheapest car insurance for drivers with DUIs in Knoxville
A DUI on your record usually increases your premium, and some insurers may not renew your policy if you receive one. If you’ve recently received a DUI violation, compare quotes from multiple insurers to get the best price. Here are the cheapest quotes that drivers in Knoxville with DUIs have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $118 | $1,418 | Trexis | 39 | 06/20/25 | Knoxville, TN | 37920 |
| DUI | $129 | $1,552 | The General | 49 | 08/27/25 | Knoxville, TN | 37914 |
| DUI | $218 | $2,614 | First Acceptance | 63 | 08/15/25 | Knoxville, TN | 37922 |
| Speeding over 15 | $79 | $952 | National General | 24 | 09/11/25 | Knoxville, TN | 37912 |
| Speeding over 15 | $84 | $1,006 | ROOT | 30 | 08/13/25 | Knoxville, TN | 37922 |
| $41 | $494 | National General | 58 | 07/19/25 | Knoxville, TN | 37931 | |
| $46 | $554 | Electric | 39 | 06/16/25 | Knoxville, TN | 37918 | |
| $46 | $554 | National General | 53 | 09/10/25 | Knoxville, TN | 37920 | |
| $50 | $602 | Progressive | 68 | 08/31/25 | Knoxville, TN | 37920 | |
| $51 | $616 | Gainsco | 44 | 06/23/25 | Knoxville, TN | 37919 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
