The Cheapest and Best Car Insurance in Knoxville
The Cheapest Car Insurance Companies in Knoxville
When it comes to fully coverage policies in Knoxville, the cheapest insurance companies are :
- GEICO: $623 per year
- Erie: $673 per year
USAA offers the bum policy for drivers from military families with policies that cost an average of $ 572 per year. Travelers has the most expensive full coverage insurance in Knoxville, with an annual bounty of $ 935. Their policy costs 50 % more than the lapp one at GEICO. Comprehensive and collision insurance are normally included in full moon coverage policies. This is in addition to indebtedness policy that all drivers must have as per Tennessee state laws .
Cheapest Car Insurance in Knoxville
Full Coverage 100/300/100
- company 100/300/100
- 1 .USAA
- 2 .GEICO
- 3 .Erie
- 4 .State Farm
- 5 .Progressive
- 6. Tennessee Farmers
- 7 .Nationwide
- 8 .Farmers
- 9 .MetLife
- 10 .Allstate
- 11 .Travelers
MoneyGeek compared full coverage policies from multiple providers in Knoxville for a 40-year-old male driver based on our methodology. A full-coverage policy is more expensive than liability-only because it has comprehensive examination and collision insurance, which offers more protection as follows :
- Comprehensive Insurance: When your vehicle is damaged due to a non-accident event such as vandalism or a natural calamity, this type of insurance pays for the damage or loss.
- Collision Insurance: If you are involved in an accident with another vehicle or a stationary object, your collision insurance comes into effect.
Some drivers with older cars prefer a submit minimal policy or liability-only insurance. The reason is that wax coverage insurance premiums can wind up being more than your fomite ’ randomness substitute measure .
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Cheapest Car Insurance in Knoxville for Minimum Coverage
A policy that meets the state ’ sulfur minimum requirements is the most low-cost option in Knoxville. The cheapest car policy in the city is :
- GEICO: $296 per year
- Tennessee Farmers: $304 per year
At $ 301 per year, USAA is the second brassy choice, but it is entirely for current and former members of the military and their families. Allstate, on the early hand, is the most expensive insurance company in Knoxville for state of matter minimum liability-only indemnity at $ 517 per annum. That ’ south $ 221 more than GEICO charges for the lapp coverage. Unlike full coverage policies, minimal coverage does not include comprehensive and collision policy. The indebtedness limits in these policies are besides low. You can, of course, choose higher liability limits than the state of matter ’ randomness minimum requirements. Use the table below to see how much higher liability insurance will cost you in Knoxville .
Cheapest Minimum Liability Car Insurance in Knoxville
- company State Minimum
- 1 .GEICO
- 2 .USAA
- 3. Tennessee Farmers
- 4 .Erie
- 5 .State Farm
- 6 .Progressive
- 7 .Nationwide
- 8 .Farmers
- 9 .Travelers
- 10 .MetLife
- 11 .Allstate
Choosing a state minimal policy of 25/50/15 is the best option if you are looking to minimize your insurance costs, but you must keep in take care that this could lead to across-the-board out-of-pocket expenses if you ’ re in an accident. For case, if you ’ re in an at-fault accident and the other driver racks up $ 50,000 in medical bills, your insurance company covers you up to $ 25,000 per person. The amateur sum of $ 25,000, in this case, is your province to pay .
Tennessee Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 15,000 for property wrong. A more protective horizontal surface is 100/300/100 .
Cheapest Car Insurance in Knoxville if You Have Driving Violations
Drivers who have a history of violations such as DUIs, at-fault accidents, or speeding tickets in Knoxville will have higher insurance premiums. The companies that provide the best brassy car indemnity for such drivers are :
- Cheapest after a ticket: Erie, $695 per year
- Cheapest after an at-fault accident: State Farm, $801 per year
- Cheapest after a DUI: State Farm, $738 per year
If you are from a military family and have a speed slate on your record, you may be able to get the cheapest policy in the city through USAA at $ 678 per year. Drivers with anterior violations can reduce their premiums by improving their drive records over time. It ’ s a good idea in the meanwhile to get quotes from multiple insurers and see which one offers the best car indemnity rates for drivers with bad records .
Cheapest Car Insurance in Knoxville With a Violation
- caller Speeding Ticket
- 1 .USAA
- 2 .Erie
- 3 .GEICO
- 4 .State Farm
- 5. Tennessee Farmers
- 6 .Nationwide
- 7 .Progressive
- 8 .Allstate
- 9 .Farmers
- 10 .Travelers
- 11 .MetLife
Average Cost of Car Insurance in Knoxville
An average driver live in Knoxville pays $ 801 per annum for car indemnity. however, rates may be higher or lower based on factors such as the driver ’ second long time, miles drive per year and coverage grade. The city ’ mho average car insurance rate is 21.3 % lower than the state average annual premium and closely 50 % lower than the United States ’ average annually premium of $ 1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Knoxville
In Knoxville, car insurance providers base their annual premiums on factors such as the driver ’ s age, ZIP code, credit score and marital status. How your circumstances change based on these factors affects the price of your car insurance policy. The best means to find the cheapest rates and increase your chances of getting discounts and rebates is by comparing personalized quotes from different providers .
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The Best Car Insurance Companies in Knoxville
Using a alone score system, MoneyGeek ranked the best insurance companies in Knoxville for drivers looking for a balance of good customer service and affordability. The peak two are :
- Erie: MoneyGeek score of 93 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 90 out of 100
For members of the military and their families, USAA is the best option as it scored highest in our evaluation with a score of 95 out of 100. We did not include the insurance company on our list as it does not sell car insurance to civilians. Among other criteria, MoneyGeek calculated these scores using J. D. Power ’ second analysis that considered cost, customer satisfaction and the insurance company ’ s fiscal stability .
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 2
Affordability 5/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 3
Auto-Owners Insurance Co
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal constancy 6
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 7
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 8
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 10
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 11
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 12
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 13
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy
Average Cost of Car Insurance by Postal Code
Where you live can impact the price of your car insurance. Drivers who live in the 37918 ZIP code — the least expensive — pay $ 795 on average for car indemnity. Drivers in the most expensive ZIP code — 37920 — pay $ 11 more per year, for a sum of $ 806 .
- Zip Code State Minimum
Factors That Impact Insurance Costs in Knoxville
In accession to individual driver needs and history, location-specific factors like the rate of fatal accidents and the percentage of uninsured motorists besides contribute to car indemnity rates in Knoxville. How Knoxville ranks compared to the 300 most populous cities in the United States can have a significant impact on bounty costs . Most Accidents With Fatalities
/ 300 Most car Thefts
/ 300 Most uninsured Motorists by State
/ 50 personal Injury Protection Required No Most annual rain
/ 300 Most showery Days
Methodology and Assumptions
MoneyGeek ’ second average agio rates for Knoxville are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ s data and methodology here. About the generator
Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in policy. Mark has years of experience analyzing the insurance market and creating original research and subject. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .