Applegate Insurance Agency
301 S Gallaher View Rd, Ste 229, Knoxville, TN 37919
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301 S Gallaher View Rd, Ste 229, Knoxville, TN 37919
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141 N Martinwood Rd, Knoxville, TN 37923
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7351 Middlebrook Pike, Knoxville, TN 37909
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8001 Chapman Hwy, #5, Knoxville, TN 37914
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118 Huxley Road, Suite 2, Knoxville, TN 37922
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9219 Middlebrook Pike, Suite 100, Knoxville, TN 37931
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150 Fox Rd, Knoxville, TN 37922
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900 E Hill Ave, Ste 135, Knoxville, TN 37915
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200 Midlake Dr, Suite B, Knoxville, TN 37918
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6505 Oak Ridge Hwy., Knoxville, TN 37921
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Learn about insurance coverage options specific to Knoxville residents.
Knoxville home insurance averages $2,388/year—below state and national rates. Learn what affects costs, flood risks, and how to save on coverage.
Home InsuranceKnoxville homeowners pay $2,134-$2,509/year for home insurance. Learn about tornado risks, TVA flood zones, and how to get the best rates in East Tennessee.
Car InsuranceKnoxville drivers pay $169/month on average—$488 less than the national average. Learn how I-40/I-75 traffic, UT game days, and discounts affect your rates.
Car InsuranceKnoxville auto insurance averages $2,025/year—below state and national rates. Learn about TN's 25/50/25 minimums and why 24% uninsured drivers matter.
General Insurance EducationComplete guide to insurance in Knoxville, TN. Find affordable auto, home, renters, and business coverage. Learn requirements, costs, and local factors.
Business InsuranceWhat Knoxville businesses need for insurance: workers' comp, general liability, and property coverage. Tennessee rates 19% below average. Get the facts.
The average homeowners insurance premium in Knoxville is $2,388 per year (about $199 per month) for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is below both the Tennessee state average of $3,085 and the national average of $2,532. Actual costs range from about $1,659 to over $2,500 annually depending on your specific home, location, and insurance company.
If you live near Fort Loudoun Lake, the Tennessee River, or any creeks, you should strongly consider flood insurance. Standard homeowners policies don't cover flooding at all. Recent assessments identified over 20,000 flood-prone properties in Knox County—six times more than older FEMA maps showed. Even if you're not in a mapped floodplain, heavy rainfall can cause local flooding that your regular policy won't cover.
Knoxville has lower average premiums than Nashville or Memphis primarily due to lower population density, fewer claims, and relatively moderate weather risks compared to other parts of the state. While Knoxville does face severe weather including tornadoes and ice storms, it's not as exposed to some of the extreme weather events that drive up costs in other regions. The Tennessee Valley Authority's flood control infrastructure also helps manage water-related risks.
Yes, standard homeowners insurance policies cover wildfire damage to your home and belongings. While Knoxville is less vulnerable than nearby Smoky Mountain communities, the risk isn't zero—Tennessee has seen significant increases in wildfire activity in recent years. Make sure your dwelling coverage is sufficient to fully rebuild your home if it's destroyed, and verify that your policy includes adequate coverage for personal property and additional living expenses.
Allstate currently offers the most affordable rates in Knoxville with an average annual premium of $1,659. However, the cheapest option for you personally depends on your specific home, location, claims history, and credit score. Progressive and State Farm also offer competitive rates. You should get quotes from at least three to five companies and compare not just the price but also the coverage limits, deductibles, and customer service reputation.
The most effective strategies are: raise your deductible to $2,500 or $5,000, bundle your home and auto insurance for 15-25% discounts, install security or fire protection systems, maintain good credit, stay claim-free, and shop around every year or two. Also ask about discounts for newer roofs, updated electrical and plumbing, or professional association memberships—these can add up to significant savings.
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