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Cheap Car Insurance in Knoxville, Tennessee

Find cheap car insurance in Knoxville, home of the University of Tennessee and the Vols. It is Tennessee’s third largest after Memphis and Nashville. The population in 2015 was estimated at 185, 291, and the university adds more than 27,000 students. World’s Fair Park is a 10-acre site of the 1982 Knoxville International Energy Exposition, which was one of the most popular World’s Fairs in history.

Labeled the “Streaking Capital of the World” by newsman Walter Cronkite in 1974, Knoxville has also been named the “Red Panda Capital of the World,” having claimed the most success in breeding and survival of baby Red Pandas at the Knoxville Zoo. Its zoo is also famously the birth place of Little Diamond, the first African Elephant born and raised in captivity in the Western Hemisphere.

Driving Conditions in Knoxville

Knoxville lies near the intersection of three freeways: Interstate 81, Interstate 40 and Interstate 75. I-40 and I-75 merge just west of the city and diverge as they near downtown. Its busiest road is the Alcoa Highway linking downtown with the McGhee Tyson Airport. Average commute time for Knoxville residents is just under 20 minutes vs. the national average of 26 minutes, according to Census Bureau data. The website, smartway.tn.gov/traffic, displays real-time information on accidents, construction and weather-related delays. These include live streaming cameras and message boards in Memphis. Information is also dispersed through the Tennessee Department of Transportation’s Twitter account. Drivers can also access road and traveling conditions by calling 511, an automated voice response system through which callers can ask for specific roadways or regions.

Unique Laws in Knoxville

Tennessee laws forbid anyone to stand on the roadway to solicit either a ride or employment from drivers. Also, if your car’s sound system can be heard 50 feet away, it is considered excessive noise. Shooting at game from your car also is illegal, as is using a lasso to catch a fish, sharing your Netflix password or failing to install a hitching post in front of your business. A (thankfully) vague law prohibits “crimes against nature,” and parents may not require children to pick up trash from the road on Easter Sunday.

Knoxville Crime Statistics

Both violent and property crime rates in Knoxville are higher than both the state and U.S. averages.

The Knoxville metro area had 1,689 vehicle thefts in 2016, according to the National Insurance Crime Bureau, which is a rate of 244 incidents per 100,000 people. The U.S. average is 220 incidents per 100,000 people. Neighborhood Scout recently named Shady Grove/Choto Estates as the safest Knoxville neighborhood based on crime rates, followed by Poplar Hill Road/Chanute Lane and the W. Gallaher Ferry Road areas.

Knoxville Safety Requirements

Texting while driving is illegal and all drivers and passengers must wear seat belts, according to the Tennessee Department of Safety and Homeland Security. In addition, motorcyclists and their passengers must wear helmets that meet federal safety standards. Approved car seats are required for children up to age 3, and booster systems are required for those 4 to 8 years old who are under 4 feet, 9 inches tall. Infants under age 1 must ride in a rear-facing seat. Drivers must move over when possible while passing a stopped emergency vehicle with its lights engaged.

Knoxville Impaired Driving Laws

Drivers over 21 with a blood or breath alcohol content of .08 are higher can be charged with driving under the influence, as can those under 21 with a .02 result. First-time offenders are subject to a $350 minimum fine and 48 hours in jail, plus paying for towing and storage. Charges are enhanced if the driver’s BAC is higher than the legal limit or if children in the car at the time of arrest. Note that open alcohol containers anywhere in the car are illegal, according to the Tennessee Department of Safety and Homeland Security. Contact us to compare rates for cheap car insurance in Knoxville.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

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When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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