GoAuto can save you money on car insurance, even if you’re a high-risk driver. Here’s how:
Knoxville is a city where Appalachian heritage meets a modern, high-energy college town spirit. Known as the “Gateway to the Smokies,” it’s home to the winding Tennessee River, the iconic Sunsphere, and a downtown area that feels like the heart of East Tennessee. From exploring the “Urban Wilderness” trails just minutes from the city center to enjoying a Saturday afternoon on Gay Street, Knoxville offers a rugged beauty and a welcoming, “scruffy” charm that’s entirely its own.
Market Square serves as the city’s social hub, packed with local boutiques, outdoor concerts, and year-round festivals. Beyond the downtown core, neighborhoods like the Old City, Bearden, and North Knoxville offer a mix of historic architecture, craft breweries, and artisan dining that make “The 865” a vibrant place to live and work.
With major mountain-bound arteries like I-40 and I-75 merging in the heart of the city—plus the busy Pellissippi Parkway and the notorious “Alcoa Highway”—having the right car insurance is essential for every Knoxville driver. GoAuto Insurance understands the specific needs of East Tennessee residents and provides affordable coverage options to keep you protected whether you’re heading to the stadium or into the mountains.
Knoxville’s food scene is a tribute to Southern comfort and Appalachian innovation—from fluffy biscuits and gravy to the city’s thriving craft beer scene. Whether you’re grabbing a bowl of Petro’s at a tailgate or enjoying farm-to-table dining in Market Square, the flavors here are as rich as the local history.
The city is steeped in musical and athletic tradition. As a key stop on the “Cradle of Country Music” trail, Knoxville has deep roots in bluegrass and folk. That same passion is visible every game day, as the city turns a sea of orange to support the University of Tennessee Volunteers. Between the roar of Neyland Stadium and the energy of Thompson-Boling Arena, the “Big Orange” spirit is the lifeblood of the community.
But Knoxville drivers also know the importance of staying prepared for East Tennessee’s unique conditions—from heavy mountain fog to sudden winter snow squalls. That’s why so many choose GoAuto Insurance. With deep local experience and an understanding of Tennessee’s at-fault insurance laws, we offer dependable coverage so you can focus on the hikes, the games, and the life you love in Knoxville.
Tennessee is an at-fault state, which means the driver responsible for causing an accident is financially liable for the resulting damages. To drive legally in the Volunteer State, you must provide proof of financial responsibility. Most drivers meet this requirement by carrying a liability insurance policy with the following minimum limits:
Bodily Injury Liability: $25,000 per person
Total Bodily Injury Liability: $50,000 per accident
Property Damage Liability: $25,000 per accident
These “25/50/25” limits are the legal floor. They help pay for the medical bills, lost wages, and vehicle repairs of other parties if you are found to be at fault in a collision.
Tennessee follows a modified comparative negligence system. This means your ability to recover damages depends on your percentage of fault:
The 50% Bar: You can only recover money if you are found to be less than 50% responsible for the accident. If you are 50% or more at fault, you cannot collect any damages from the other driver.
Proportional Reduction: If you are partially at fault (e.g., 20%), your total compensation will be reduced by that percentage.
While only liability is mandated by state law, many Tennessee residents choose additional protections to account for the state’s high rate of uninsured drivers and unpredictable weather.
Tennessee has one of the highest percentages of uninsured drivers in the nation. By law, insurance companies must offer you UM/UIM coverage. While you can reject it in writing, most experts recommend keeping it. This coverage protects you if you are hit by a driver who has no insurance or whose limits are too low to cover your medical bills.
Since Tennessee is not a “no-fault” state, it does not use Personal Injury Protection (PIP). Instead, you can add MedPay, which covers the medical expenses for you and your passengers regardless of who caused the accident.
Comprehensive: Covers “acts of God” and non-collision events, such as damage from frequent spring storms, hail, falling branches, or theft.
Collision: Pays to repair or replace your own vehicle after an accident, even if you were at fault.
Note: If your vehicle is currently financed or leased, your lender will likely require you to carry both Comprehensive and Collision coverage as part of your agreement. For official guidelines on state requirements and registration, you can visit the official Tennessee Department of Safety & Homeland Security website.
Get the best coverage options in Knoxville by connecting with a dedicated agent, finding a sales office near you or receiving your free online quote today.