- Knoxville car insurance rates average $1,832 per year for full coverage, or about $153 per month.
- For cheap car insurance in Knoxville, compact crossovers like the Chevrolet Trailblazer, Nissan Kicks, Honda CR-V, and Mazda CX-5 cost less than most other makes and models.
- Models with the most affordable auto insurance in Knoxville for their segment include the Mercedes-Benz CLA250 at $1,886 per year, Hyundai Ioniq 6 at $1,684 per year, Chevrolet Colorado at $1,570 per year, and Acura Integra at $1,630 per year.
How much does Knoxville car insurance cost?
Average car insurance rates in Knoxville, TN, cost $1,832 per year, or around $153 per month. That amount is about the same as the overall average cost to insure a vehicle in America.
The average cost to insure a vehicle in Tennessee is $1,824 per year, so Knoxville, TN, drivers pay an average of $8 more per year than the overall Tennessee state-wide average rate. When rates are compared to other larger cities in Tennessee, the cost of car insurance in Knoxville is approximately $14 per year more expensive than in Clarksville, $72 per year more expensive than in Chattanooga, and $382 per year less than in Memphis.
Driver age has the single biggest impact on the price of auto insurance, so the list below details how age impacts cost by breaking down average car insurance rates in Knoxville for driver ages from 16 to 60.
Knoxville, Tennessee, car insurance cost by driver age
- 16 year old – $6,528 per year or $544 per month
- 17 year old – $6,323 per year or $527 per month
- 18 year old – $5,668 per year or $472 per month
- 19 year old – $5,163 per year or $430 per month
- 20 year old – $3,686 per year or $307 per month
- 30 year old – $1,956 per year or $163 per month
- 40 year old – $1,832 per year or $153 per month
- 50 year old – $1,624 per year or $135 per month
- 60 year old – $1,522 per year or $127 per month
The chart below summarizes car insurance cost in Knoxville, TN, for different common policy situations. Rates are averaged for all Knoxville Zip Codes and shown based on different driver ages, policy physical damage deductibles, and risk scenarios.
Average rates in the chart range from $1,524 per year for a 40-year-old driver who qualifies for a great discount rate to $4,212 per year for a 20-year-old driver with a poor driving record or too many at-fault accidents. The rate used in this article for comparison purposes is the 40-year-old safe driver rate, which is an average cost of $1,832 per year in Knoxville.
As a monthly expense, the average cost of car insurance in Knoxville ranges from $127 to $351 for the same deductible limits and driver ages shown in the prior chart.
Which autos have the cheapest car insurance in Knoxville?
When comparing all types of vehicles, the models with the cheapest average insurance quotes in Knoxville, TN, tend to be compact SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, Hyundai Venue, and Toyota Corolla Cross.
Average auto insurance rates for those compact SUVs cost $1,488 or less per year for full coverage car insurance.
Examples of other vehicles that have low-cost auto insurance prices in our cost comparison are the Buick Envista, Volkswagen Taos, Volkswagen Tiguan, and Subaru Outback. Average rates are marginally higher for those models than the crossover SUVs that rank near the top, but they still have an average insurance cost of $1,572 or less per year ($131 per month) in Knoxville.
The following table ranks the cheapest vehicles to insure in Knoxville, ordered by cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,354 | $113 |
2 | Chevrolet Trailblazer | $1,378 | $115 |
3 | Kia Soul | $1,432 | $119 |
4 | Nissan Kicks | $1,442 | $120 |
5 | Honda Passport | $1,458 | $122 |
6 | Buick Envision | $1,470 | $123 |
7 | Toyota Corolla Cross | $1,478 | $123 |
8 | Hyundai Venue | $1,488 | $124 |
9 | Mazda CX-5 | $1,494 | $125 |
10 | Ford Bronco Sport | $1,500 | $125 |
11 | Volkswagen Tiguan | $1,518 | $127 |
12 | Acura RDX | $1,532 | $128 |
13 | Nissan Murano | $1,540 | $128 |
14 | Buick Encore | $1,558 | $130 |
15 | Honda CR-V | $1,562 | $130 |
16 | Subaru Outback | $1,562 | $130 |
17 | Buick Envista | $1,566 | $131 |
18 | Chevrolet Colorado | $1,570 | $131 |
19 | Volkswagen Taos | $1,570 | $131 |
20 | Kia Niro | $1,572 | $131 |
21 | Toyota GR Corolla | $1,592 | $133 |
22 | Honda HR-V | $1,594 | $133 |
23 | Subaru Ascent | $1,594 | $133 |
24 | Nissan Leaf | $1,606 | $134 |
25 | Honda Civic | $1,622 | $135 |
26 | Lexus NX 250 | $1,622 | $135 |
27 | Volkswagen Atlas | $1,626 | $136 |
28 | Acura Integra | $1,630 | $136 |
29 | Volkswagen Atlas Cross Sport | $1,632 | $136 |
30 | Subaru Forester | $1,634 | $136 |
31 | Kia Seltos | $1,636 | $136 |
32 | GMC Terrain | $1,640 | $137 |
33 | Nissan Rogue | $1,648 | $137 |
34 | Hyundai Kona | $1,650 | $138 |
35 | Mazda CX-30 | $1,652 | $138 |
36 | Cadillac XT4 | $1,654 | $138 |
37 | Ford Explorer | $1,662 | $139 |
38 | Volkswagen ID4 | $1,662 | $139 |
39 | Toyota Highlander | $1,666 | $139 |
40 | Ford Escape | $1,670 | $139 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Knoxville, TN Zip Codes. Updated February 22, 2024
A table of 40 vehicle rankings serves the purpose if you just want the absolute lowest rates. A more thorough way to analyze rates for many more vehicles is to break them out by vehicle segment.
The next section of this article goes into the average cost of car insurance by vehicle segment. This should give a decent idea of the automotive segments that have the overall cheapest auto insurance rates in Knoxville. Then the six subsequent sections rank the 20 models with the cheapest rates in each automotive segment.
Knoxville auto insurance rates by vehicle segment
If you’re considering buying a different vehicle, it’s a good idea to have a basic understanding of which categories of vehicles have cheaper insurance rates.
As an example, some common questions are if SUVs cost less to insure than minivans or which size of pickup has the cheapest rates.
The chart below shows average car insurance rates in Knoxville for different vehicle segments. From a segment comparison perspective, compact SUVs, vans, and midsize pickups have the best rates, with sports cars and performance luxury models having the highest car insurance rates.
Rates by automotive segment are close enough for overall comparisons, but auto insurance cost varies quite significantly within each automotive segment listed in the above chart.
For example, in the midsize luxury car segment, Knoxville insurance rates range from the Mercedes-Benz CLA250 at $1,886 per year for a full coverage policy up to the BMW M8 at $3,088 per year, a difference of $1,202 within that segment.
As another example, in the large truck segment, average rates range from the Nissan Titan at $1,716 per year up to the Toyota Tundra at $2,180 per year.
In the upcoming sections, we eliminate this variability by analyzing the cost of car insurance in Knoxville for specific cars, trucks, and SUVs.
Cheapest cars to insure in Knoxville, Tennessee
Ranking at the top of the list for the cheapest Knoxville auto insurance rates in the non-luxury sedan or hatchback segment are the Toyota GR Corolla, Subaru Impreza, Nissan Sentra, Nissan Leaf, and Honda Civic. Rates for these vehicles average $140 or less per month.
Also ranking well are cars like the Chevrolet Malibu, Kia K5, Hyundai Ioniq 6, and Toyota Prius, with average insurance cost of $1,774 per year or less.
On a monthly basis, full-coverage auto insurance on this segment in Knoxville for a safe driver starts at an average of $133 per month, depending on your company and location. The rate comparison table below ranks the cars with the cheapest average insurance rates in Knoxville, starting with the Toyota GR Corolla at $133 per month and ending with the Mazda 3 at $158 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $1,592 | $133 |
Nissan Leaf | Compact | $1,606 | $134 |
Honda Civic | Compact | $1,622 | $135 |
Nissan Sentra | Compact | $1,678 | $140 |
Hyundai Ioniq 6 | Midsize | $1,684 | $140 |
Subaru Impreza | Compact | $1,684 | $140 |
Toyota Prius | Compact | $1,712 | $143 |
Kia K5 | Midsize | $1,764 | $147 |
Honda Accord | Midsize | $1,770 | $148 |
Chevrolet Malibu | Midsize | $1,774 | $148 |
Kia Forte | Compact | $1,786 | $149 |
Toyota Corolla | Compact | $1,788 | $149 |
Volkswagen Arteon | Midsize | $1,800 | $150 |
Nissan Versa | Compact | $1,804 | $150 |
Subaru Legacy | Midsize | $1,808 | $151 |
Mitsubishi Mirage G4 | Compact | $1,848 | $154 |
Volkswagen Jetta | Compact | $1,852 | $154 |
Toyota Crown | Midsize | $1,854 | $155 |
Hyundai Sonata | Midsize | $1,860 | $155 |
Mazda 3 | Compact | $1,896 | $158 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Knoxville, TN Zip Codes. Updated February 23, 2024
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Knoxville car insurance quotes from top auto insurance companies in Tennessee.
Cheapest SUV insurance rates in Knoxville, TN
The cheapest SUVs to insure in Knoxville are the Subaru Crosstrek at $1,354 per year, the Chevrolet Trailblazer at $1,378 per year, and the Kia Soul at $1,432 per year.
Some other SUVs that have good average insurance rates include the Ford Bronco Sport, Hyundai Venue, Toyota Corolla Cross, and Mazda CX-5, with an average cost to insure of $1,500 per year or less.
In the lower half of the top 20 SUVs to insure, models like the Volkswagen Taos, Kia Niro, Honda HR-V, Buick Envista, and Buick Encore average between $1,500 and $1,594 per year for auto insurance in Knoxville.
Car insurance in Knoxville for this segment for a middle-age safe driver can cost as low as $113 per month, depending on where you live.
If SUV size is considered, the lowest-cost compact SUV to insure in Knoxville is the Subaru Crosstrek at $1,354 per year, or $113 per month. For midsize 2024 models, the Honda Passport is cheapest to insure at $1,458 per year, or $122 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest rates at $1,722 per year, or $144 per month.
The next table ranks the twenty SUVs with the lowest-cost auto insurance rates in Knoxville, starting with the Subaru Crosstrek at $1,354 per year and ending with the Honda HR-V at $1,594 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,354 | $113 |
Chevrolet Trailblazer | Compact | $1,378 | $115 |
Kia Soul | Compact | $1,432 | $119 |
Nissan Kicks | Compact | $1,442 | $120 |
Honda Passport | Midsize | $1,458 | $122 |
Buick Envision | Compact | $1,470 | $123 |
Toyota Corolla Cross | Compact | $1,478 | $123 |
Hyundai Venue | Compact | $1,488 | $124 |
Mazda CX-5 | Compact | $1,494 | $125 |
Ford Bronco Sport | Compact | $1,500 | $125 |
Volkswagen Tiguan | Compact | $1,518 | $127 |
Nissan Murano | Midsize | $1,540 | $128 |
Buick Encore | Compact | $1,558 | $130 |
Honda CR-V | Compact | $1,562 | $130 |
Subaru Outback | Midsize | $1,562 | $130 |
Buick Envista | Midsize | $1,566 | $131 |
Volkswagen Taos | Compact | $1,570 | $131 |
Kia Niro | Compact | $1,572 | $131 |
Honda HR-V | Compact | $1,594 | $133 |
Subaru Ascent | Midsize | $1,594 | $133 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Knoxville, TN Zip Codes. Updated February 22, 2024
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Knoxville car insurance quotes from top auto insurance companies in Tennessee.
Cheapest pickups to insure in Knoxville
The top five models for the lowest-cost Knoxville car insurance rates in the pickup truck segment are the Nissan Frontier, Ford Maverick, Chevrolet Colorado, Nissan Titan, and Ford Ranger. Auto insurance quotes for these 2024 models average $1,778 or less per year.
Not the cheapest in the list, but still ranking well, are pickups like the GMC Canyon, Toyota Tacoma, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with average cost of $1,886 per year or less.
From a monthly standpoint, full-coverage insurance in Knoxville on this segment will start around $131 per month, depending on the company. The next table ranks the pickups with the cheapest insurance in Knoxville, starting with the Chevrolet Colorado at $131 per month and ending with the Ram Truck at $177 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,570 | $131 |
Nissan Titan | Full-size | $1,716 | $143 |
Nissan Frontier | Midsize | $1,734 | $145 |
Ford Ranger | Midsize | $1,750 | $146 |
Ford Maverick | Midsize | $1,778 | $148 |
Honda Ridgeline | Midsize | $1,818 | $152 |
Hyundai Santa Cruz | Midsize | $1,848 | $154 |
Toyota Tacoma | Midsize | $1,854 | $155 |
GMC Sierra 2500 HD | Heavy Duty | $1,862 | $155 |
GMC Canyon | Midsize | $1,886 | $157 |
Jeep Gladiator | Midsize | $1,928 | $161 |
GMC Sierra 3500 | Heavy Duty | $1,942 | $162 |
Chevrolet Silverado HD 3500 | Heavy Duty | $1,958 | $163 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,010 | $168 |
GMC Sierra | Full-size | $2,022 | $169 |
Chevrolet Silverado | Full-size | $2,026 | $169 |
Nissan Titan XD | Heavy Duty | $2,026 | $169 |
Ford F150 | Full-size | $2,050 | $171 |
GMC Hummer EV Pickup | Full-size | $2,102 | $175 |
Ram Truck | Full-size | $2,118 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Knoxville, TN Zip Codes. Updated February 23, 2024
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see rates for your pickup? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Knoxville car insurance quotes from top-rated auto insurance companies in Tennessee.
Cheapest sports car insurance rates in Knoxville
Ranking #1 in Knoxville for cheapest insurance in the sports car segment is the Mazda MX-5 Miata, at $1,696 per year. Second place is the Toyota GR86 at $1,930 per year, and the third most affordable is the Ford Mustang, at an average of $2,014 per year.
Not the cheapest, but still in the top 10, are models like the Lexus RC F, Nissan Z, Toyota GR Supra, and Subaru BRZ, with an average car insurance cost of $2,190 per year or less.
Additional models that make the list include the Porsche 911, Mercedes-Benz AMG GT53, BMW M4, and Jaguar F-Type, which cost between $2,190 and $3,102 per year for auto insurance in Knoxville.
From a monthly standpoint, auto insurance rates on this segment in Knoxville for a good driver will start around $141 per month, depending on the company.
The comparison table below ranks the sports cars with the most affordable average auto insurance rates in Knoxville.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,696 | $141 |
Toyota GR86 | Sports Car | $1,930 | $161 |
Ford Mustang | Sports Car | $2,014 | $168 |
BMW Z4 | Sports Car | $2,024 | $169 |
Subaru WRX | Sports Car | $2,054 | $171 |
Toyota GR Supra | Sports Car | $2,058 | $172 |
BMW M2 | Sports Car | $2,118 | $177 |
Nissan Z | Sports Car | $2,124 | $177 |
Lexus RC F | Sports Car | $2,166 | $181 |
Subaru BRZ | Sports Car | $2,190 | $183 |
BMW M3 | Sports Car | $2,314 | $193 |
Porsche 718 | Sports Car | $2,360 | $197 |
Chevrolet Camaro | Sports Car | $2,380 | $198 |
Chevrolet Corvette | Sports Car | $2,540 | $212 |
Porsche 911 | Sports Car | $2,626 | $219 |
BMW M4 | Sports Car | $2,736 | $228 |
Lexus LC 500 | Sports Car | $2,748 | $229 |
Jaguar F-Type | Sports Car | $2,892 | $241 |
Mercedes-Benz AMG GT53 | Sports Car | $3,034 | $253 |
Porsche Taycan | Sports Car | $3,102 | $259 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Knoxville, TN Zip Codes. Updated February 22, 2024
Don’t see rates for your sports car? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Tennessee.
Cheapest luxury cars to insure in Knoxville, Tennessee
The #1 ranking in Knoxville for cheapest average insurance rates in the luxury car segment is the Acura Integra, at $1,630 per year. Second place is the BMW 330i at $1,866 per year, and the third cheapest is the Mercedes-Benz CLA250, costing an average of $1,886 per year.
Also ranking well are models like the Cadillac CT4, Lexus ES 350, Genesis G70, and Mercedes-Benz AMG CLA35, with average insurance cost of $1,928 per year or less.
Ranked in the lower half of the top 20, cars like the Lexus ES 250, BMW 330e, Lexus ES 300h, Audi S3, Jaguar XF, and BMW 230i average between $1,928 and $2,056 per year for insurance.
As a cost per month, full-coverage auto insurance in this segment for a good driver will start around $136 per month, depending on your location.
When vehicle size is considered, the most affordable compact luxury car model to insure in Knoxville is the Acura Integra at $1,630 per year, or $136 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the cheapest rates at $1,886 per year, or $157 per month. And for full-size luxury models, the Audi A5 has the most affordable rates at $2,172 per year, or $181 per month.
The comparison table below ranks the cars with the most affordable car insurance rates in Knoxville, starting with the Acura Integra at $1,630 per year ($136 per month) and ending with the Audi S3 at $2,056 per year ($171 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $1,630 | $136 |
BMW 330i | Compact | $1,866 | $156 |
Mercedes-Benz CLA250 | Midsize | $1,886 | $157 |
Lexus IS 300 | Midsize | $1,888 | $157 |
Acura TLX | Compact | $1,896 | $158 |
Cadillac CT4 | Compact | $1,914 | $160 |
Lexus ES 350 | Midsize | $1,914 | $160 |
Genesis G70 | Compact | $1,920 | $160 |
Mercedes-Benz AMG CLA35 | Midsize | $1,922 | $160 |
Lexus RC 300 | Midsize | $1,928 | $161 |
Lexus IS 350 | Compact | $1,930 | $161 |
Jaguar XF | Midsize | $1,940 | $162 |
Cadillac CT5 | Midsize | $1,974 | $165 |
Lexus ES 250 | Midsize | $1,982 | $165 |
BMW 330e | Compact | $1,990 | $166 |
Lexus RC 350 | Compact | $1,990 | $166 |
BMW 228i | Compact | $1,992 | $166 |
BMW 230i | Compact | $2,008 | $167 |
Lexus ES 300h | Midsize | $2,012 | $168 |
Audi S3 | Compact | $2,056 | $171 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Knoxville, TN Zip Codes. Updated February 23, 2024
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Don’t see rates for your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Knoxville car insurance quotes from top companies in Tennessee.
Cheapest luxury SUVs to insure in Knoxville, Tennessee
Ranking in the top five for the cheapest Knoxville auto insurance rates in the luxury SUV segment are the Cadillac XT5, Cadillac XT4, Lexus NX 250, Acura RDX, and Jaguar E-Pace. Auto insurance rates for these models average $1,730 or less per year, or around $144 per month.
Some other luxury SUVs that have cheaper rates are the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 350h, and Lexus UX 250h, with an average cost to insure of $1,766 per year or less.
Car insurance rates in this segment for a safe driver starts at an average of $128 per month, depending on the company and your location.
When the luxury SUV segment is analyzed by vehicle size, the cheapest small luxury SUV to insure in Knoxville is the Acura RDX at $1,532 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $1,714 per year. And for large luxury SUVs, the Infiniti QX80 has the cheapest rates at $2,056 per year.
The rate comparison table below ranks the SUVs with the most affordable car insurance in Knoxville, starting with the Acura RDX at $128 per month and ending with the Lexus NX 350 at $153 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $1,532 | $128 |
Lexus NX 250 | Compact | $1,622 | $135 |
Cadillac XT4 | Compact | $1,654 | $138 |
Jaguar E-Pace | Midsize | $1,714 | $143 |
Lexus NX 350h | Compact | $1,728 | $144 |
Cadillac XT5 | Midsize | $1,730 | $144 |
Lincoln Corsair | Compact | $1,752 | $146 |
Mercedes-Benz GLB 250 | Compact | $1,754 | $146 |
Lexus UX 250h | Compact | $1,756 | $146 |
Lexus NX 450h | Compact | $1,766 | $147 |
Infiniti QX50 | Midsize | $1,782 | $149 |
Mercedes-Benz GLA250 | Compact | $1,784 | $149 |
Mercedes-Benz GLA35 AMG | Compact | $1,792 | $149 |
Cadillac XT6 | Midsize | $1,794 | $150 |
Infiniti QX60 | Midsize | $1,802 | $150 |
Mercedes-Benz AMG GLB35 | Midsize | $1,806 | $151 |
Land Rover Evoque | Compact | $1,830 | $153 |
Acura MDX | Midsize | $1,832 | $153 |
Lexus RX 350 | Midsize | $1,834 | $153 |
Lexus NX 350 | Compact | $1,840 | $153 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Knoxville, TN Zip Codes. Updated February 23, 2024
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Don’t see rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Knoxville car insurance quotes from top auto insurance companies in Tennessee.
How to find cheaper auto insurance in Knoxville
Drivers should always be thinking of ways to reduce their monthly insurance expenses, so glance at the money-saving ideas in this next list and maybe you’ll be able to save a few bucks on your next policy.
- Raising deductibles makes insurance more affordable. Boosting your physical damage deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
- Earn a discount from your choice of occupation. Just about all auto insurance providers offer discounts for earning a living in occupations like police officers and law enforcement, engineers, college professors, nurses, members of the military, and others. Having this discount applied to your policy may save between $55 and $178 on your insurance premium, depending on the policy coverages selected.
- You don’t have to stick with the same company. Setting aside 5-10 minutes to get a few free car insurance quotes could save a pile of cash. Rates are always changing and you can change companies at any time.
- Reduce coverage on older vehicles. Dropping full coverage from older vehicles will cut the cost of insurance substantially.
- Compare insurance cost before you buy the car. Different vehicle models have very different car insurance rates, and companies can sell policies with a wide range of prices. Check prices before you buy to prevent insurance sticker shock when you get your insurance bill.
- Pay small claims out-of-pocket. Most insurers offer discounts if you have no claims on your account. Auto insurance is intended to be used in the case of large financial hits, not for insignificant claims.