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Insurance Agencies · Knoxville, TN/Updated June 13, 2026

The 10 Best Insurance Agents in Knoxville, TN

Finding the right insurance agent in Knoxville can save you from costly coverage gaps and frustrations. Our rankings highlight the best options.

Editorially independent10 companies evaluated
cover story
★ Editor's Choice21st Insurance Agency
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Knoxville-metro insurance agencies businesses evaluated, top 10 ranked by Vetted Score.

In Knoxville, the stakes are high for choosing an insurance agent. A poor choice can lead to inadequate coverage, leaving you vulnerable in times of need. Whether it's home, auto, or life insurance, the right agent not only helps you find the best policy but also ensures that you understand your coverage thoroughly.

To compile this list, we evaluated ten local insurance agencies based on their customer ratings and review counts. Each agency's Vetted Score reflects real customer experiences and satisfaction levels, giving you a reliable guide to the best insurance agents in the area.

10insurance agents evaluated in Knoxville
4.88average rating across the field
5.4Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does insurance agencies cost in Knoxville? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

21st Insurance Agency

★★★★★4.9(3,609 reviews)

With a stellar rating of 4.9 stars from 3,609 reviews, 21st Insurance Agency shines in Knoxville for its customer service and knowledgeable agents.

Read full review
Best Value
95Score

Knoxville Insurance Group

★★★★★4.9(802 reviews)

Knoxville Insurance Group also holds a 4.9-star rating from 802 reviews.

Read full review
Most Reviewed
94Score

Applegate Insurance Agency

★★★★★5.0(186 reviews)

With a perfect 5-star rating on 186 reviews, Applegate Insurance Agency has garnered attention for its exceptional customer support and tailored insurance packages.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
21st Insurance Agency
21st Insurance Agency
Editor's Choice
96Score
4.9★★★★★
3,609Individuals seeking personalized insurance solutions
2
95Score
4.9★★★★★
802Cost-conscious consumers looking for good coverage
3
94Score
5.0★★★★★
186Clients seeking personalized insurance consultations
4
90Score
4.9★★★★★
369Those needing assistance with complex policies
5
88Score
4.8★★★★★
176Budget-conscious individuals needing varied coverage
6
85Score
4.9★★★★★
71Clients who prioritize quick service
7
84Score
4.9★★★★★
60Individuals seeking straightforward insurance advice
8
82Score
5.0★★★★★
30Environmentally conscious clients
9
80Score
4.7★★★★★
44Clients needing assistance with claims
10
78Score
4.8★★★★★
26Clients seeking competitive pricing
Methodology

How we evaluated all 10 insurance agents.

We assessed each insurance agency in Knoxville by analyzing their online ratings and the volume of customer reviews. This approach ensures that our rankings are based on a broad spectrum of feedback, highlighting consistent performance across varying customer experiences.

No agency pays for placement in our rankings, allowing us to maintain impartiality. We refresh our evaluations monthly to reflect any changes in ratings or customer feedback, ensuring that you have the most current information available.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

21st Insurance Agency

★★★★★4.9(3,609 reviews)
96Score

With a stellar rating of 4.9 stars from 3,609 reviews, 21st Insurance Agency shines in Knoxville for its customer service and knowledgeable agents. Clients frequently highlight the agency's responsiveness and personalized approach. However, with such a high volume of reviews, occasional delays in response times can occur during peak periods.

Pros

  • Highly rated customer service
  • Extensive knowledge of various insurance products
  • Quick response times

Cons

  • Potential delays during busy times
  • Limited office hours
Best forIndividuals seeking personalized insurance solutions
Service areaKnoxville, TN
Typical pricing$100 to $300 monthly
2
Best Value

Knoxville Insurance Group

★★★★★4.9(802 reviews)
95Score

Knoxville Insurance Group also holds a 4.9-star rating from 802 reviews. Clients appreciate their competitive pricing and comprehensive coverage options. Many reviews commend the agency's friendly staff and commitment to finding the best deals. The only downside is the smaller number of reviews compared to the top-ranked agency, indicating a less established presence.

Pros

  • Competitive pricing
  • Friendly and helpful staff
  • Wide range of coverage options

Cons

  • Smaller review base
  • Less established reputation
Best forCost-conscious consumers looking for good coverage
Service areaKnoxville, TN
Typical pricing$90 to $250 monthly
3
Most Reviewed

Applegate Insurance Agency

★★★★★5.0(186 reviews)
94Score

With a perfect 5-star rating on 186 reviews, Applegate Insurance Agency has garnered attention for its exceptional customer support and tailored insurance packages. Clients often highlight the thoroughness of their consultations. However, the relatively lower review count may suggest a need for more exposure in the community. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is clients seeking personalized insurance consultations. It serves Knoxville, TN, with $120 to $280 monthly pricing, and the honest trade-offs are lower review count and limited visibility in the local market.

Pros

  • Exceptional customer support
  • Tailored insurance packages
  • Thorough consultations

Cons

  • Lower review count
  • Limited visibility in the local market
Best forClients seeking personalized insurance consultations
Service areaKnoxville, TN
Typical pricing$120 to $280 monthly
4

William Knight Insurance Agency

★★★★★4.9(369 reviews)
90Score

William Knight Insurance Agency has a strong rating of 4.9 stars from 369 reviews. Customers appreciate the friendly service and the agency's willingness to help navigate complex policies. However, some clients have mentioned that the agency could improve its follow-up communication. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is those needing assistance with complex policies. It serves Knoxville, TN, with $110 to $250 monthly pricing, and the honest trade-offs are need for improved follow-up and limited online presence.

Pros

  • Friendly service
  • Helpful in policy navigation
  • Strong community reputation

Cons

  • Need for improved follow-up
  • Limited online presence
Best forThose needing assistance with complex policies
Service areaKnoxville, TN
Typical pricing$110 to $250 monthly
5

Acceptance Insurance

★★★★★4.8(176 reviews)
88Score

Acceptance Insurance scores 4.8 stars with 176 reviews, noted for their affordability and diverse range of insurance products. Clients appreciate the agency's ability to work with various budgets. However, some reviews mention inconsistent customer service experiences. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is budget-conscious individuals needing varied coverage. It serves Knoxville, TN, with $80 to $200 monthly pricing, and the honest trade-offs are inconsistent customer service and limited local office hours.

Pros

  • Affordable insurance options
  • Diverse product offerings
  • Flexible payment plans

Cons

  • Inconsistent customer service
  • Limited local office hours
Best forBudget-conscious individuals needing varied coverage
Service areaKnoxville, TN
Typical pricing$80 to $200 monthly
6

Elite Insurance Knoxville

★★★★★4.9(71 reviews)
85Score

Elite Insurance Knoxville has a 4.9-star rating from 71 reviews. Customers often commend their knowledgeable agents and quick service. However, the limited number of reviews may indicate a less established reputation in the community. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is clients who prioritize quick service. It serves Knoxville, TN, with $100 to $250 monthly pricing, and the honest trade-offs are limited review base and less community recognition.

Pros

  • Knowledgeable agents
  • Quick service
  • Personalized attention

Cons

  • Limited review base
  • Less community recognition
Best forClients who prioritize quick service
Service areaKnoxville, TN
Typical pricing$100 to $250 monthly
7

Inter-Agency Insurance Services

★★★★★4.9(60 reviews)
84Score

Inter-Agency Insurance Services holds a 4.9-star rating from 60 reviews. Clients appreciate the agency's straightforward approach and willingness to answer all questions. However, the small review count may make potential customers hesitant. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is individuals seeking straightforward insurance advice. It serves Knoxville, TN, with $90 to $220 monthly pricing, and the honest trade-offs are small review base and less visibility in the market.

Pros

  • Straightforward service
  • Willing to answer questions
  • Friendly staff

Cons

  • Small review base
  • Less visibility in the market
Best forIndividuals seeking straightforward insurance advice
Service areaKnoxville, TN
Typical pricing$90 to $220 monthly
8

Good Nature Insurance Agency

★★★★★5.0(30 reviews)
82Score

Good Nature Insurance Agency has a perfect 5-star rating from 30 reviews. Customers praise their eco-friendly approach and commitment to community service. However, the low number of reviews may not fully reflect their capabilities. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is environmentally conscious clients. It serves Knoxville, TN, with $100 to $250 monthly pricing, and the honest trade-offs are very limited review count and less established presence.

Pros

  • Eco-friendly approach
  • Community-focused
  • Positive client interactions

Cons

  • Very limited review count
  • Less established presence
Best forEnvironmentally conscious clients
Service areaKnoxville, TN
Typical pricing$100 to $250 monthly
9

Broadway Insurance Agency

★★★★★4.7(44 reviews)
80Score

Broadway Insurance Agency earns a 4.7-star rating from 44 reviews. Clients appreciate the agency's friendly approach and willingness to assist with claims. However, some reviews indicate that response times can be slow, especially during busy seasons. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is clients needing assistance with claims. It serves Knoxville, TN, with $90 to $230 monthly pricing, and the honest trade-offs are slow response times and limited service hours.

Pros

  • Friendly service
  • Helpful with claims
  • Personalized attention

Cons

  • Slow response times
  • Limited service hours
Best forClients needing assistance with claims
Service areaKnoxville, TN
Typical pricing$90 to $230 monthly
10

Tennessee State Insurance

★★★★★4.8(26 reviews)
78Score

Tennessee State Insurance has a 4.8-star rating based on 26 reviews. Customers mention the agency's competitive rates and willingness to work with various clients. However, the small review count raises questions about their overall reliability and service consistency. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients seeking competitive pricing. It serves Knoxville, TN, with $85 to $210 monthly pricing, and the honest trade-offs are very limited review base and less established in the market.

Pros

  • Competitive rates
  • Willingness to work with diverse clients
  • Friendly staff

Cons

  • Very limited review base
  • Less established in the market
Best forClients seeking competitive pricing
Service areaKnoxville, TN
Typical pricing$85 to $210 monthly
Before you book

How to choose an insurance agent in Knoxville

Choosing the right insurance agent in Knoxville requires careful consideration of your specific needs. Here are key factors to help guide your decision.

Look for strong local reviews

Focus on agents with high ratings and a substantial number of reviews. This indicates a proven track record in customer satisfaction.

Consider specialization

Some agents may specialize in certain types of insurance, such as auto or home. Ensure they have expertise in the area you need coverage.

Assess communication style

Choose an agent who communicates clearly and is responsive to your questions. Good communication is key to understanding your policy and coverage.

What it costs

What insurance costs in Knoxville

Insurance costs can vary widely based on factors like coverage type and individual circumstances. Here’s a general breakdown of what you might expect to pay in Knoxville.

Basic auto insurance$50 to $100 per month, depending on your driving history and coverage levels.
Homeowners insurance$800 to $1,500 annually, based on home value and location.
Life insurance$20 to $50 per month for term policies, varying with age and health.
Business insurance$500 to $3,000 annually, depending on the type of business and coverage needs.

Frequently asked questions

How much does insurance cost in Knoxville?

Insurance rates vary widely based on factors like coverage type and personal circumstances. On average, residents can expect to pay between $800 to $1,500 annually.

What types of insurance can I get in Knoxville?

In Knoxville, you can find a variety of insurance types, including auto, home, health, and life insurance, offered by local agents.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Knoxville residents: <strong>21st Insurance Agency</strong>

Call 21st Insurance Agency first for its extensive experience and stellar rating on over 3,600 reviews. If you prefer a smaller agency with a personalized touch, Applegate Insurance Agency is ideal for those needing tailored service. For a strong alternative with a solid reputation, Knoxville Insurance Group shines if you value a well-reviewed agency with a good number of reviews.