On average, full coverage car insurance in Knoxville costs $1,404 per year, which is slightly lower than its nearest major city of Nashville at $1,476, higher than the state average of $1,338 and much lower than the national average of $1,674. Calculating your exact Tennessee car insurance takes into account several factors, including your age, gender, credit history, marital status, and the make and model of the vehicle you drive.
Other factors that affect how much premiums you pay in Knoxville include participating in customer loyalty programs, applying for multi-line discounts, driving a hybrid or electric vehicle, and installing safety/restraint devices in your vehicles such as anti-lock brakes and anti-theft devices.
In case of a car accident, it is very important to be covered by a comprehensive insurance policy with high coverage limits. The higher the coverage limits for comprehensive, collision, and property damage, the greater your peace of mind. Luckily, Knoxville drivers may be eligible for several benefits, provided their account is in good standing.
Knoxville Affordable Car Insurance Rates by Zip Code
Zip code is one of the determining factors in how much you will pay for insurance. People who live in zip codes with high theft and high claims will pay higher premiums than low theft and low claims zip codes. Note, drivers in densely-populated areas like Nashville and Knoxville are more likely to see higher premiums than drivers living out in the sparsely-populated countryside.
Knoxville has 20 zip codes, with most averaging $116 per month. There are a few zip codes that are slightly above or below that rate: