Auto Insurance in Knoxville, TN
Auto insurance pays for injuries and damage you cause to others, and with the right coverage, damage to your own car. Tennessee requires at least $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). Those minimums are low compared with the cost of a serious accident, so most of our clients carry higher limits. As an independent agency, we quote several carriers at once.
Coverage options
- Liability (required) for injuries and damage you cause
- Uninsured and underinsured motorist coverage, which protects you when the at-fault driver has little or no insurance
- Collision and comprehensive for damage to your own vehicle, often required on financed cars
- Medical payments, rental reimbursement and roadside assistance
- Gap coverage for loans and leases
- Coverage for teen drivers, high-risk drivers and SR-22 filings
Ways to lower your premium
- Bundle with home or renters insurance
- Raise your deductible if you have savings to cover it
- Ask about safe-driver, good-student and telematics discounts
- Let us re-shop your policy at renewal across multiple carriers
Classic and collector cars
Collector vehicles belong on a separate agreed-value policy. See collector car insurance.
Why Knoxville clients choose Elite Insurance Group
- Independent: we compare carriers like Travelers, Progressive, Liberty Mutual, Nationwide, Erie, Encova, Penn National and Foremost instead of selling one company's policy.
- Claims experience: our team brings 25+ years of insurance and claims experience, so we write coverage with the claim in mind.
- No agency or broker fees: you pay the carrier's premium, nothing extra to us.
- Local: a family-owned Knoxville agency serving Knox, Blount, Anderson, Loudon, Sevier and Roane counties.
Frequently asked questions
What is the minimum car insurance required in Tennessee?
Tennessee requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Most drivers should carry more.
Do I need uninsured motorist coverage in Tennessee?
We strongly recommend it. Tennessee insurers must include uninsured motorist coverage unless you reject it in writing, and it protects you and your passengers when the at-fault driver can't pay.
Why did my car insurance go up without a claim?
Insurers reprice based on statewide claims trends, repair and medical costs, and vehicle values, not just your record. Re-shopping with an independent agent is the fastest way to check whether another carrier is cheaper.
Get a quote
Tell us what you need and a licensed local agent will follow up. Start your auto insurance quote or call (865) 687-5140, Monday to Friday, 9 to 5.