Knoxville TN, October 4, 2025
News Summary
Westfield Insurance has been recognized as the top auto insurance provider in Knoxville, offering the lowest rates for liability and full coverage options. With liability coverage starting at just $23 per month and full coverage rates beginning at $71, Westfield stands out for drivers seeking affordable insurance solutions. The company’s competitive pricing ensures that local residents can adequately protect their vehicles while remaining within their budget.
Knoxville, TN – Westfield Insurance has emerged as the leading provider of auto insurance with the lowest rates in Knoxville. According to a recent report, the company offers a remarkably cheap liability coverage option for just $23 per month, making it the most affordable choice for local drivers.
For individuals seeking full coverage insurance, Westfield also stands out with competitive rates beginning at $71 per month, which is tied for the lowest full coverage offering in the city. This affordability makes Westfield the go-to option for Knoxville residents looking to protect their vehicles while keeping costs manageable.
Cheapest Liability Insurance Rates
For drivers focused on meeting the minimum car insurance requirements in Knoxville, liability-only insurance is the most economical choice. The breakdown of the cheapest liability insurance options includes:
- Westfield: $23
- Auto-Owners Insurance Co: $26
- Tennessee Farm Bureau: $27
- Farm Bureau of Tennessee: $28
- USAA: $29
Cheapest Full Coverage Insurance Rates
Full coverage insurance is crucial for drivers looking for additional protection beyond the basic liability coverage. The cheapest options for full coverage insurance in Knoxville are:
- Auto-Owners Insurance Co: $71
- Erie: $74
- Westfield: $74
- Tennessee Farm Bureau: $79
- Travelers: $101
Impact of Traffic Violations on Insurance Rates
Traffic violations can have a negative impact on car insurance premiums, causing them to rise significantly. The extent of these increases varies depending on the type of violation, local regulations, and the policies of the insurer. Common violations affecting insurance rates include:
- Minor offenses, such as speeding, may lead to small premium increases.
- Serious violations, such as driving under the influence (DUI), can lead to much higher insurance rates.
Average Auto Insurance Rates After Common Driving Violations
Following a review of various driving offenses, the average auto insurance rates in Knoxville post-violation are as follows:
- No violation: $164
- Not-at-fault accident: $165
- Failure to wear a seat belt: $188
- Speeding 6 – 10 MPH over the limit: $195
- Speeding 21 – 25 MPH over the limit: $208
- DUI: $327
- Reckless driving: $307
- Driving with a suspended license: $316
- Leaving the scene of an accident/hit and run: $327
Conclusion
With Westfield setting the standard for the cheapest auto insurance rates in Knoxville, residents now have a clearer understanding of their options when it comes to securing affordable coverage. Whether opting for liability or full coverage insurance, drivers can find competitive prices that suit their budget while ensuring they meet necessary legal requirements.
FAQ
What is the cheapest liability insurance in Knoxville?
Westfield provides the cheapest liability coverage at $23 per month in Knoxville.
What are the cheapest rates for full coverage insurance in Knoxville?
Westfield offers the cheapest rates for full coverage insurance in Knoxville at $71 per month.
How do traffic violations impact auto insurance rates in Knoxville?
Car insurance premiums can rise significantly due to traffic violations. The extent of increase depends on the violation type, local regulations, and insurer’s policies.
Key Features
| Insurance Type | Provider | Monthly Rate |
|---|---|---|
| Liability Coverage | Westfield | $23 |
| Full Coverage | Westfield | $71 |
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Additional Resources
- The Mountain Press: Car Insurance Rates in Knoxville – October 2025
- Citizen Tribune: Car Insurance Rates in Knoxville – October 2025
- Wikipedia: Car Insurance
- MarketWatch: Car Insurance Knoxville
- ValuePenguin: Best Cheap Car Insurance in Tennessee
Author: STAFF HERE KNOXVILLE WRITER
The KNOXVILLE STAFF WRITER represents the experienced team at HEREKnoxville.com, your go-to source for actionable local news and information in Knoxville, Knox County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as Dogwood Arts Festival, Big Ears Festival, and Knoxville Asian Festival. Our coverage extends to key organizations like the Knoxville Area Chamber Partnership and United Way of Greater Knoxville, plus leading businesses in healthcare, education, and energy that power the local economy such as Covenant Health, University of Tennessee, and Tennessee Valley Authority. As part of the broader HERE network, including HEREBristol.com, HEREChattanooga.com, HEREMemphis.com, and HERENashville.com, we provide comprehensive, credible insights into Tennessee's dynamic landscape.
