{"id":34685,"date":"2022-01-10T07:55:40","date_gmt":"2022-01-10T15:55:40","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=34685"},"modified":"2023-07-26T06:47:24","modified_gmt":"2023-07-26T13:47:24","slug":"knoxville","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/tennessee\/knoxville\/","title":{"rendered":"Car Insurance in Knoxville, TN"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61c357360cd5d\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Consider Knoxville the quieter sister city of Nashville. Despite its lower profile, it remains one of the more interesting places to visit in the South. Home to almost 200,000 people, the third-largest city in Tennessee boasts the Great Smoky Mountains as its backdrop, and the University of Tennessee, known for having one of the largest college football stadiums in the country with a total capacity of over 100,000 people.<\/p>\n<p>For a can\u2019t-miss spot in Knoxville, visit Great Smoky Mountains National Park with its dazzling array of hiking trails, coves, and breathtaking views of Mount Le Conte. Visitors will also enjoy nearby Gatlinburg and Pigeon Forge, favorites among tourists who want to rent a mountain cabin.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The average cost of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> in Knoxville is $876 per year.<\/li>\n<li>In 2020, there were 32 reported fatal car accidents in Knoxville.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61c359800cd5e\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Is Car Insurance in Knoxville, Tennessee?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>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 <a href=\"https:\/\/www.freeway.com\/auto-insurance\/tennessee\/\">Tennessee car insurance<\/a> takes into account several factors, including your age, gender, credit history, marital status, and the make and model of the vehicle you drive.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<h3 style=\"text-align: left;\">Knoxville Affordable Car Insurance Rates by Zip Code<\/h3>\n<p>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.<\/p>\n<p>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:<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Average Monthly Car Insurance Rate \nfor Full Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>37902<\/td>\n                                                                                            <td>$118<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37915<\/td>\n                                                                                            <td>$117<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37916<\/td>\n                                                                                            <td>$119<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37917<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37921<\/td>\n                                                                                            <td>$119<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37924<\/td>\n                                                                                            <td>$121<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37931<\/td>\n                                                                                            <td>$115<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37932<\/td>\n                                                                                            <td>$115<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37938<\/td>\n                                                                                            <td>$122<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>37996<\/td>\n                                                                                            <td>$117<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61c35b8b0cd5f\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Low-Cost Car Insurance Rates by Age in Knoxville<\/h3>\n<p>Another major deciding factor with insurance rates is age group. Some age groups pay higher premiums than others due to higher risk. For example, Knoxville teenage drivers can expect to pay more than three times the premium of Knoxville drivers in their 40s and 50s.<\/p>\n<p>No matter how old you are, it is very important to maintain a safe driving record. If you don\u2019t file a claim for several years, expect lower rates over time.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Monthly Car Insurance Rate\nfor Full Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>18<\/td>\n                                                                                            <td>$503<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$271<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$116<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$112<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$101<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$98<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$119<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p>*<em><u>Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.<\/u><\/em><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61c35c380cd61\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Knoxville<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Knoxville?<\/h3>\n<p>In 2020, there were 32 reported fatal car accidents in Knoxville. There were 288 total fatal and serious injury crashes in 2020. Of the fatal accidents, there were eight drivers who had been drinking and 11 drivers who had used drugs. Six involved pedestrians.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Knoxville?<\/h3>\n<p>Knoxville has continual capital improvement projects with the goal of updating roads, bridges, and infrastructure. For example, 2021 saw the <a href=\"https:\/\/p1cdn4static.civiclive.com\/UserFiles\/Servers\/Server_109478\/File\/Engineering\/Projects\/amherstslopestabilization.pdf\" target=\"_blank\" rel=\"noopener\">Amherst Road Slope Stabilization Project<\/a> and the Citywide Facilities Paving Project, two projects focused on resurfacing asphalt and pavement and repairing bridge joints throughout the city.<\/p>\n<p>Other programs have focused on constructing new sidewalks with curb and drainage systems, in addition to updating existing sidewalks with curb cuts for wheelchair accessibility.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Get a Quote for Car Insurance in Tennessee Today!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61c35cc60cd63\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Knoxville<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Tennessee is an at-fault state. This means that at-fault drivers are expected to be on the hook for damages and injuries incurred by everyone involved.<\/p>\n<p>Here is the minimum required coverage in Tennessee:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Bodily Injury Coverage per Person: $25,000<\/li>\n<li>Bodily Injury Coverage per Accident: $50,000<\/li>\n<li>Property Damage per Accident: $25,000<\/li>\n<\/ul>\n<p>If you are thinking of leasing a vehicle, be sure to consult with your finance company to determine what insurance minimums they require. Often, finance companies will demand the vehicle be covered by higher limits than the minimums set forth by the state.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61c35cfe0cd64\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Knoxville Car Insurance Rates<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Many factors determine auto insurance rates. In general, the longer you go without a claim on your record, the greater the likelihood of seeing your rates drop over time \u2014 a nice reward for excellent driving behavior.<\/p>\n<p>Here are some of the factors used to calculate auto premiums for Knoxville residents:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Driving record and claims history<\/li>\n<li>Physical location<\/li>\n<li>Gender<\/li>\n<li>Age<\/li>\n<li>Marital status<\/li>\n<li><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto-insurance\/auto-tips\/buy-used-car\/\">Type of vehicle<\/a><\/li>\n<li>Credit score<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_61c35d8a0cd65\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Knoxville<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>Fortunately, there are many ways to save money on car insurance in Knoxville. One of these ways is to apply for a multi-policy discount, which combines homeowners, auto, boat, RV, or other insurance policies to pay less for each line of coverage.<\/p>\n<p>You may also participate in defensive driving courses or install anti-lock brakes\/anti-theft devices in your vehicle. Be sure to report any of these measures to your insurance company.<\/p>\n<p>Other discounts include:<\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\">Good student discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\">Anti-theft discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/driver-2.svg\" alt=\"Graphic of a man driving a car\">\n                            <p class=\"c-saving-features__list-text\">Good driver discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <p class=\"c-saving-features__list-text\">Military discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/good-driver.svg\" alt=\"Blue icon of a blue car\">\n                            <p class=\"c-saving-features__list-text\">Lower mileage<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/01\/icon-action-save-2.svg\" alt=\"Money in hand icon\">\n                            <p class=\"c-saving-features__list-text\">Full premium payment up front<\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p>One of our best recommendations is to keep an open dialogue with your insurance company to see what discounts you may be eligible for.<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_61c35fa70cd6c\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Knoxville?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Driving without insurance in Knoxville is a serious offense. Expect to be served with a Class C misdemeanor, pay up to $300 in fines, and have your license and registration suspended. You will also be required to provide proof of insurance or financial responsibility by filing for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">SR-22 insurance<\/a>, which will remain on file for three years.<\/p>\n<p>Any subsequent offenses will be subject to even harsher penalties, including the possibility of jail time for up to 12 months.<\/p>\n<p>Remember, you may save money on insurance by applying for the state\u2019s minimums, which is $25,000 in bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $25,000 in property damage per accident.<\/p>\n<p>Your insurance company is required by law to report any lapses in your coverage.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_61c35fdf0cd6d\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Knoxville Cheap Car Insurance Quote Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/01\/Knoxville-1.jpg\" alt=\"Knoxville skyline\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Obtaining good, affordable car insurance results in greater peace of mind. Choose to stay covered with a policy that includes high coverage limits for comprehensive, collision, and property damage or just the basic coverage required by Tennessee.<\/p>\n<p>Freeway Insurance offers excellent car insurance choices in Knoxville. Get started with a quote <a href=\"#modal-turbo\">online<\/a>, visit us at a <a href=\"https:\/\/locations.freeway.com\/?search=Knoxville%2C+TN&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">Knoxville office<\/a> near you, or call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                            <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":34686,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34685"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=34685"}],"version-history":[{"count":15,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34685\/revisions"}],"predecessor-version":[{"id":44209,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34685\/revisions\/44209"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34686"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=34685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}