Personal Insurance
Auto Insurance
Cars, trucks, motorcycles, RVs, and specialty vehicles. Knox Insurance shops across top carriers like Nationwide, Mercury, Progressive, Safeco, and more to find you the best coverage at competitive rates.
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Vehicles We Insure
Coverage for Every Vehicle Type
Cars & Sedans
Trucks & SUVs
Motorcycles
RVs & Motorhomes
Boats & Watercraft
Trailers & Utility
Coverage Highlights
What Auto Insurance Covers
Your auto policy is a bundle of different coverages, each designed to protect you in a specific situation. Here's what you should know about each one.
Bodily Injury Liability
Covers medical expenses, lost wages, and legal fees if you cause an accident that injures another person. Required by nearly every state, and the most important coverage to get right — if damages exceed your limits, you pay the difference out of pocket.
Property Damage Liability
Pays to repair or replace another person's vehicle, fence, mailbox, building, or other property you damage in an at-fault accident. Combined with bodily injury, this forms your liability coverage — the legal minimum in most states.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another vehicle or object — a guardrail, tree, pole, or curb. You pay your deductible, and the carrier covers the rest up to your vehicle's actual cash value.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events — theft, fire, vandalism, hail, flooding, falling objects, and animal strikes. Often required by lenders if you have a loan or lease on your vehicle.
Uninsured / Underinsured Motorist
Protects you when the at-fault driver has no insurance or not enough to cover your damages. Covers your medical bills, lost wages, and vehicle repairs. More common than you'd think — up to 20% of drivers in some states are uninsured.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers after an accident, regardless of who was at fault. Pays for doctor visits, hospital stays, surgery, and ambulance fees up to your policy limit.
Personal Injury Protection (PIP)
Similar to MedPay but broader — covers medical bills, lost wages, childcare costs, and funeral expenses after an accident regardless of fault. Required in no-fault states. Available as an option in others.
Rental Car Reimbursement
Pays for a rental vehicle while your car is in the shop after a covered collision or comprehensive claim. Typically covers $30–$50 per day for up to 30 days — a small add-on that saves major inconvenience.
Roadside Assistance
Covers towing, flat tire changes, battery jump-starts, lockout service, and fuel delivery when your vehicle breaks down. Available 24/7 and usually costs just a few dollars per month to add to your policy.
Gap Insurance
If your car is totaled, gap insurance pays the difference between your vehicle's actual cash value and what you still owe on your loan or lease. Essential for new vehicles that depreciate quickly.
New Car Replacement
If your new vehicle is totaled within the first few years of ownership, this coverage pays for a brand-new car of the same make and model — not just the depreciated value. A smart add-on for recent purchases.
Umbrella Coverage
Additional liability protection above your auto and home policy limits. If you cause a serious accident and damages exceed your auto liability limits, an umbrella policy picks up where your auto policy leaves off.
Are You Properly Covered?
Many drivers carry only the state minimum — which can leave you exposed to significant out-of-pocket costs after a serious accident.
State minimums often cover as little as $15,000–$30,000 in bodily injury — one ER visit can exceed that
Without collision and comprehensive, you pay for your own vehicle repairs or replacement out of pocket
An uninsured driver hits you? Without UM/UIM coverage, you're stuck with the bill
Totaling a financed car without gap insurance means you still owe the lender the remaining balance
A serious at-fault accident can result in a lawsuit that exceeds your liability limits
The Right Policy Gives You
Liability limits that actually protect your savings and assets in a serious accident
Collision and comprehensive coverage so your vehicle is repaired or replaced after any covered event
Uninsured motorist protection — you're covered even when the other driver isn't
Gap coverage that pays off your loan if your car is totaled before it's paid off
Umbrella coverage for an extra layer of protection above your auto and home limits
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Common Auto Insurance Discounts
Because we shop multiple carriers, we can find the discounts you qualify for and stack them to get the best rate. Common discounts include:
Multi-Policy Bundle
Multi-Vehicle
Good Driver / Safe Driver
Defensive Driving Course
Good Student
Anti-Theft Device
Low Mileage
Pay-in-Full
Why Knox for Auto Insurance?
We've been helping families and individuals find the right auto coverage since 1980. As independent brokers, we work for you — not the insurance company.
Multiple Carrier Quotes
We compare rates from Nationwide, Mercury, Progressive, Safeco, Travelers, and more. One call gets you quotes from carriers competing for your business.
Bundle & Save
Combine your auto with home, renters, or umbrella coverage for multi-policy discounts. We find the best bundle across all of our carrier partners.
Personal Service
You get a dedicated agent who knows your name, your vehicles, and your coverage. When you need to make a change or file a claim, you talk to a person — not a phone tree.
Claims Advocacy
When you're in an accident, we help you through the claims process. We communicate with the carrier on your behalf and make sure your claim is handled fairly and quickly.
Get Your Auto Insurance Quote
Free quotes from multiple carriers. We'll compare rates and find the right coverage for your vehicles and your budget.