Knoxville has 195,185 residents in 86,263 households. We list 31 agencies for life insurance in Knoxville. Here is what the local numbers say about the cover people here need.

Knoxville at a glance

31life insurance agencies listed
53.4%of households rentRenters insurance
$239,700median home valueHome insurance
1974median year homes were builtRebuild cost calculator
9.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Knox County

FEMA rates the overall natural hazard risk in Knox County, where most Knoxville agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Knoxville
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Knoxville
Winter weatherRelatively High
Ice stormRelatively High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Knoxville

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Tennessee

Tennessee requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Knoxville How much liability cover do you need?

Source: tn.gov. Checked 2026-10-24.

Insurance companies Knoxville agencies work with

Of the 31 Knoxville agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare9 agencies
Aetna8 agencies
Medicare Advantage8 agencies
Humana7 agencies
Nationwide7 agencies
Nationwide (Allied)6 agencies
Nationwide (Colonial)6 agencies
Centene5 agencies
Symetra Life Insurance Company5 agencies
The Hartford5 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Knoxville agencies are

Knoxville agencies we list sit in 9 ZIP codes, mostly in Knox County.

3792212 agencies
379197 agencies
379236 agencies
379291 agency
379311 agency
379321 agency
379341 agency
379381 agency
379391 agency

Questions

Life insurance in Knoxville

All insurance agencies in Knoxville · Life insurance across Tennessee

Where can I find life insurance in Knoxville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Knoxville agencies work with?

Among the 31 Knoxville agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (9), Aetna (8), Medicare Advantage (8), Humana (7), Nationwide (7). An appointed agency can quote that company's policies.

Do I need flood insurance in Knoxville?

FEMA's National Risk Index rates inland flooding risk in Knox County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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