Cheap Car Insurance in Knoxville, TN (May 2025)

Written by Xuyun Zeng and 1 other
Updated Mar 11, 2025
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Cheap Car Insurance in Knoxville, TN (May 2025)

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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 Policy
City, State
ZIP Code
$31 $371 Progressive 39 February 22, 2025 Knoxville, TN 37931
$33 $390 Progressive 63 February 17, 2025 Knoxville, TN 37917
$34 $402 Progressive 32 June 12, 2024 Knoxville, TN 37932
$38 $460 Progressive 64 November 11, 2024 Knoxville, TN 37920
$40 $476 Progressive 35 March 9, 2024 Knoxville, TN 37909
$41 $494 Progressive 26 February 7, 2025 Knoxville, TN 37923
$41 $496 Trexis 52 December 20, 2024 Knoxville, TN 37912
$44 $528 Progressive 79 September 9, 2024 Knoxville, TN 37918
$45 $545 Trexis 54 May 19, 2025 Knoxville, TN 37914
$49 $582 Progressive 36 March 15, 2025 Knoxville, TN 37931
Last Updated May 25, 2025

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 full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

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 Policy
City, State
ZIP Code
$30 $364 Progressive 62 March 22, 2025 Knoxville, TN 37914
$33 $390 Progressive 63 February 17, 2025 Knoxville, TN 37917
$34 $402 Progressive 32 June 12, 2024 Knoxville, TN 37932
$38 $460 Progressive 64 November 11, 2024 Knoxville, TN 37920
$52 $618 Progressive 44 April 4, 2025 Knoxville, TN 37918
$52 $624 Progressive 39 November 1, 2024 Knoxville, TN 37921
$65 $778 Progressive 57 July 30, 2024 Knoxville, TN 37923
$65 $784 The General 54 January 7, 2025 Knoxville, TN 37931
$71 $854 Progressive 55 December 15, 2024 Knoxville, TN 37921
$74 $890 Progressive 23 February 16, 2025 Knoxville, TN 37918
Last Updated May 25, 2025

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 Policy
City, State
ZIP Code
$41 $494 Progressive 26 No February 7, 2025 Knoxville, TN 37923
$60 $722 National General 23 No February 27, 2025 Knoxville, TN 37917
$64 $762 Progressive 27 No February 26, 2025 Knoxville, TN 37921
$64 $770 Trexis 27 No March 18, 2024 Knoxville, TN 37909
$67 $802 Progressive 26 No March 4, 2024 Knoxville, TN 37919
Last Updated May 25, 2025

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. Shop around for quotes 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 Policy
City, State
ZIP Code
$31 $371 Progressive 39 No February 22, 2025 Knoxville, TN 37931
$34 $402 Progressive 32 Yes June 12, 2024 Knoxville, TN 37932
$40 $476 Progressive 35 No March 9, 2024 Knoxville, TN 37909
$41 $496 Trexis 52 No December 20, 2024 Knoxville, TN 37912
$45 $545 Trexis 54 No May 19, 2025 Knoxville, TN 37914
Last Updated May 25, 2025

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 Policy
City, State
ZIP Code
Has Full Coverage
$30 $364 Progressive 62 March 22, 2025 Knoxville, TN 37914 Yes
$33 $390 Progressive 63 February 17, 2025 Knoxville, TN 37917 Yes
$38 $460 Progressive 64 November 11, 2024 Knoxville, TN 37920 Yes
$44 $528 Progressive 79 September 9, 2024 Knoxville, TN 37918 No
$54 $646 First Acceptance 63 August 20, 2024 Knoxville, TN 37917 No
Last Updated May 25, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$31 $371 Progressive 39 February 22, 2025 No Knoxville, TN 37931
$33 $390 Progressive 63 February 17, 2025 Yes Knoxville, TN 37917
$38 $460 Progressive 64 November 11, 2024 Yes Knoxville, TN 37920
$40 $476 Progressive 35 March 9, 2024 No Knoxville, TN 37909
$41 $494 Progressive 26 February 7, 2025 No Knoxville, TN 37923
$41 $496 Trexis 52 December 20, 2024 No Knoxville, TN 37912
$44 $528 Progressive 79 September 9, 2024 No Knoxville, TN 37918
$49 $582 Progressive 36 March 15, 2025 No Knoxville, TN 37931
$49 $590 Progressive 54 December 17, 2024 No Knoxville, TN 37914
$50 $600 Progressive 36 January 16, 2024 No Knoxville, TN 37918
Last Updated May, 2025

Cheapest car insurance for drivers with low credit scores in Knoxville

Tennessee allows insurers to use credit 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
<550 $51 $606 Trexis 53 July 3, 2024 Knoxville, TN 37923
<550 $56 $666 Progressive 57 May 14, 2024 Knoxville, TN 37938
<550 $60 $720 National General 51 January 2, 2025 Knoxville, TN 37914
<550 $62 $740 Gainsco 36 December 30, 2023 Knoxville, TN 37934
<550 $63 $754 Progressive 41 March 10, 2024 Knoxville, TN 37923
Last Updated May 25, 2025

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 With No Injury $30 $364 Progressive 62 Yes March 22, 2025 Knoxville, TN 37914
At Fault With No Injury $60 $720 National General 51 No January 2, 2025 Knoxville, TN 37914
At Fault With No Injury $65 $776 Trexis 60 No September 10, 2024 Knoxville, TN 37918
At Fault With No Injury $65 $784 The General 54 Yes January 7, 2025 Knoxville, TN 37931
At Fault With No Injury $67 $802 Progressive 26 No March 4, 2024 Knoxville, TN 37919
Last Updated May, 2025

Cheapest car insurance for drivers with speeding tickets in Knoxville

Getting a speeding ticket 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 Policy
City, State
ZIP Code
Speeding over 15 $64 $762 Progressive 27 February 26, 2025 Knoxville, TN 37921
Speeding under 15 $64 $770 Trexis 27 March 18, 2024 Knoxville, TN 37909
Speeding over 15 $67 $808 Progressive 26 August 12, 2024 Knoxville, TN 37922
Speeding over 15 $89 $1,062 Progressive 59 October 28, 2024 Knoxville, TN 37917
Speeding over 15 $104 $1,248 Progressive 33 February 6, 2024 Knoxville, TN 37914
Last Updated May, 2025

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 Policy
City, State
ZIP Code
DUI $74 $892 Gainsco 36 January 8, 2025 Knoxville, TN 37921
DUI $99 $1,182 Progressive 32 November 9, 2024 Knoxville, TN 37923
DUI $192 $2,302 Trexis 35 December 2, 2023 Knoxville, TN 37909
DUI $237 $2,848 First Acceptance 34 March 9, 2025 Knoxville, TN 37931
DUI $269 $3,222 Electric 30 December 26, 2024 Knoxville, TN 37919
Last Updated May 25, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Ben Moore

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.