Spinning your wheels trying to get the best car insurance rates in Knoxville? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in Knoxville knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in Knoxville are determined by the state of Tennessee. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the car insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best rates on Knoxville car insurance.
What car insurance coverage is required in Knoxville?
The state of Tennessee requires all Knoxville drivers to have car insurance.
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Tennessee drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Tennessee’s car insurance coverage requirements, Knoxville drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Knoxville drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $25,000/50,000 |
| Property damage liability coverage | $15,000 |
Keep in mind: Your levels of bodily injury and property damage liability insurance don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverages available to Knoxville drivers
Knoxville drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on). |
| Medical payments coverage (aka MedPay) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured motorist property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
| Extended glass coverage | To replace your windshield, your sunroof, or your back glass if it’s damaged. |
Want to dive into the nitty-gritty of what Tennessee car insurance has to offer? Get the full scoop here.
How much does Lemonade Car insurance cost in Knoxville?
Well, that depends.
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).
Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.
The right car insurance combines the coverage you need with car insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Knoxville
Other ways of getting around Knoxville
While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
Knoxville Area Transit (KAT) operates the bus and trolley system throughout the Knoxville area. The bus offers 23 routes with over 1,100 bus stops. While bus fares can range from $0.50 to $2.00 per day, the Trolley is completely free with 3 routes serving downtown Knoxville and the UT area.
If you don’t mind breaking a sweat, Knoxville is a great city for those wanting to bike around town. In 2015, the city created the Knoxville Bicycle Facilities Plan, to assist their community in making Knoxville a safe and friendly place for cyclers. As a part of this plan, the city ensures that bike lanes are swept regularly throughout the spring and fall, offering a safe route for cyclists.
Side note: Lemonade Renters and homeowners insurance policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.
Despite the ongoing efforts, according to WalkScore most errands around Knoxville still require a car at this time. So, if you’re looking to get your feet moving you may want to consider heading to the Great Smokey Mountains for a hike, rather than relying on walking to complete your errands around town.
At Lemonade Car, we reward low-mileage drivers with lower premiums. Knoxville drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts.
Because of that, we encourage you—whenever possible—to go out and about without your car.
How accessible are hybrid and electric vehicles in Knoxville?
As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.
According to Charge Hub there are 160 public charging stations throughout the city of Knoxville. You can see a map of the public charging station locations here. Knoxville is dedicated to making hybrid and electric vehicles more accessible. The city frequently partners with the Knoxville Electric Vehicle Association and Drive Electric Tennessee.
By partnering with these organizations, the city is able to address residents’ concerns and work with charging companies to secure funding for public infrastructure.
At Lemonade Car, we support Tennessee drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger.
Transportation facts about Knoxville
Knoxville is more than the home of the University of Tennessee—it’s also a haven for those who admire the rich history of transportation. Here are a few Knoxville-oriented transportation-centric tidbits:
Three Rivers Rambler
The Three Rivers Rambler in Knoxville, Tennessee, offers a scenic train ride along the Tennessee River. Departing from downtown Knoxville, this excursion features vintage steam locomotives and railcars, providing picturesque views and a blend of education and entertainment. It’s a popular attraction for families, train enthusiasts, and those looking to experience the region’s natural beauty and history.
Going electric, before it was cool
In Knoxville, the first electric streetcar ran from Gay Street to Lake Ottossee (now Chilhowee Park) on May 1, 1890. Electric streetcars revolutionized urban transit, making it more efficient and accessible for residents.
A city boom, led by transportation
After the Civil War, the Burr & Terry Sawmill built a large plant that blocked the completion of Jackson Avenue, a key frontage road. When Burr & Terry ceased operations in 1887, Jackson Avenue was finally completed. This led to one of the largest building booms in Knoxville’s history, doubling the city’s population within a decade.
Before we drive off into the sunset…
Knoxville drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on the I-75!
Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.
Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer homeowners, renters, pet, and life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car..
Let’s drive.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.
