Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Knoxville, AL are $312/month
  • The cheapest car insurance company in Knoxville for teen drivers is USAA
  • Average car insurance rates in Knoxville, AL for senior drivers are $1,991/year

Average car insurance rates in Knoxville, Alabama are $312 a month. But with a little research you can get a great deal from the top car insurance companies in Knoxville, AL. Before you buy Knoxville, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Knoxville car insurance rates with Mobile car insurance rates, Decatur car insurance rates, or Dothan car insurance rates to make sure you’re getting the best Knoxville, AL car insurance quotes available.

Need affordable Knoxville, AL car insurance? Enter your ZIP code to compare Knoxville car insurance quotes from multiple car insurance companies near you.

Knoxville, AL Minimum Car Insurance Coverage

Knoxville, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Knoxville, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Knoxville, AL Car Insurance Rates by Coverage Level

Some Knoxville drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Knoxville, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Knoxville, Alabama

Insurance Company Low Medium High
Allstate $3,317 $3,421 $3,542
Farmers $4,139 $4,302 $4,613
GEICO $2,725 $2,948 $3,208
Liberty Mutual $5,008 $5,219 $5,504
Nationwide $2,614 $2,600 $2,660
Progressive $4,014 $4,464 $4,998
State Farm $4,278 $4,514 $4,767
Travelers $3,706 $3,982 $4,022
USAA $2,151 $2,216 $2,317

Knoxville, AL Car Insurance Rates by Age, Gender, and Marital Status

Knoxville, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Knoxville, AL car insurance, get quotes from multiple car insurance companies in the Knoxville area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Knoxville, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,066 $1,971 $1,867 $1,903 $7,182 $7,730 $2,320 $2,375
Farmers $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,099 $2,095 $2,001 $2,078 $5,613 $5,513 $2,219 $2,062
Liberty Mutual $3,101 $3,354 $2,549 $2,851 $11,013 $12,247 $3,307 $3,529
Nationwide $1,731 $1,756 $1,573 $1,634 $4,458 $5,778 $1,918 $2,150
Progressive $2,430 $2,274 $1,986 $2,134 $10,051 $11,210 $2,837 $3,016
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,579 $1,603 $1,484 $1,477 $8,507 $13,375 $1,492 $1,710
USAA $1,388 $1,414 $1,294 $1,274 $4,111 $4,567 $1,813 $1,963

Knoxville, AL Car Insurance Rates for Teens

How much is Knoxville, Alabama car insurance for teens? Compare rates from top Knoxville car insurance companies below to help find the cheapest teen car insurance in Knoxville, AL.

Annual Car Insurance Rates for Teen Drivers in Knoxville, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,182 $7,730
Farmers $9,410 $9,698
GEICO $5,613 $5,513
Liberty Mutual $11,013 $12,247
Nationwide $4,458 $5,778
Progressive $10,051 $11,210
State Farm $8,309 $10,427
Travelers $8,507 $13,375
USAA $4,111 $4,567

Knoxville, AL Car Insurance Rates for Seniors

Before seniors buy Knoxville, Alabama car insurance, they should make sure to shop around. Some Knoxville, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Knoxville, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,867 $1,903
Farmers $2,283 $2,410
GEICO $2,001 $2,078
Liberty Mutual $2,549 $2,851
Nationwide $1,573 $1,634
Progressive $1,986 $2,134
State Farm $2,520 $2,520
Travelers $1,484 $1,477
USAA $1,294 $1,274

Knoxville, AL Car Insurance Rates by Credit History

How does your credit history affect Knoxville, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Knoxville, Alabama

Insurance Company Poor Fair Good
Allstate $4,232 $3,327 $2,721
Farmers $4,887 $4,192 $3,976
GEICO $3,766 $2,685 $2,429
Liberty Mutual $7,521 $4,599 $3,612
Nationwide $3,169 $2,471 $2,234
Progressive $5,066 $4,348 $4,062
State Farm $7,329 $3,709 $2,520
Travelers $4,258 $3,691 $3,762
USAA $3,000 $1,947 $1,737

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Knoxville, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Knoxville, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Knoxville.

Annual Knoxville, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,914 $3,433 $4,068 $3,291
Farmers $3,669 $4,724 $4,608 $4,404
GEICO $1,986 $3,215 $3,995 $2,644
Liberty Mutual $4,114 $5,718 $5,605 $5,538
Nationwide $2,293 $2,293 $3,349 $2,563
Progressive $4,059 $5,109 $4,349 $4,453
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $3,247 $3,408 $4,995 $3,963
USAA $1,713 $2,146 $3,200 $1,853

Knoxville, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Knoxville, AL car insurance rates. Compare rates below to see which Knoxville car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Knoxville, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,068
Farmers $4,608
GEICO $3,995
Liberty Mutual $5,605
Nationwide $3,349
Progressive $4,349
State Farm $4,472
Travelers $4,995
USAA $3,200

Knoxville, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Knoxville, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Knoxville companies based on commute time.

Annual Car Insurance Rates by Commute Length in Knoxville, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,427 $3,427
Farmers $4,352 $4,352
GEICO $2,907 $3,013
Liberty Mutual $5,244 $5,244
Nationwide $2,625 $2,625
Progressive $4,492 $4,492
State Farm $4,410 $4,629
Travelers $3,903 $3,903
USAA $2,126 $2,330

Knoxville, AL Cheapest Car Insurance Rates

How do the top Knoxville, Alabama car insurance companies’ average rates stack up against the Knoxville average monthly car insurance rates of $312? Take a look and see.

Best Annual Car Insurance Rates by Company in Knoxville, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Knoxville, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Knoxville, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Knoxville, Alabama

Insurance Company Average Annual Rates
Allstate $3,427
Farmers $4,352
GEICO $2,960
Liberty Mutual $5,244
Nationwide $2,625
Progressive $4,492
State Farm $4,519
Travelers $3,903
USAA $2,228

Other Factors Affecting Knoxville, AL Car Insurance Rates

Before you buy Knoxville, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Knoxville, AL Traffic

Spending time in Knoxville traffic can lead to higher car insurance rates. According to INRIX data, Knoxville, AL ranks as the 796th-most congested with traffic in the world.

Knoxville, AL Car Insurance Quotes

Compare Knoxville, AL car insurance quotes from multiple companies by entering your ZIP code now.