Close Open

COVID-19 Response Update

Because we're staying home more and driving less, we are working to reduce auto rates in every state! Learn more about this and our Good Neighbor Relief Program Covid-19 response.

Please contact our office if you have any questions. Due to COVID-19, we've adjusted how we work, but you can always call us or click on Email Agent and complete the form to send our office an email.

We're here for you and want to help.

Insurance Agent Phil Nichols

Phil Nichols

Would you like to get a quote?

Office Details:

Street Address:

7043 Maynardville Pike
Suite 16
Knoxville, TN 37918-5743

Office Hours (EST):

Mon - Thur 9:00am to 5:30pm
Friday - 9:00 - 5:00
Available 24/7/365 at


Toll Free:






Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Knoxville, TN that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Phil Nichols in Knoxville, TN will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Knoxville, TN. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Phil Nichols in Knoxville, TN will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Knoxville, TN. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Phil Nichols in Knoxville, TN about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Knoxville, TN. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Phil Nichols in Knoxville, TN to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Phil Nichols in Knoxville, TN will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Knoxville, TN. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Phil Nichols in Knoxville, TN to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


You work hard for your money, managing it should be easy! Get banking in Knoxville, TN with a State Farm Bank® checking or savings account. Put your cash to work in an interest checking account with minimal requirements, or save your dollars in a higher-yield Money Market savings account. You have options. Plus, online banking is so easy through our award-winning* State Farm® Mobile App or mobile web.

Talk with Phil Nichols in Knoxville, TN to get more information about State Farm Bank and online banking.

* 2019 Mobile Web Award winner: Best Insurance Mobile App and Best Bank Mobile App


Call or email an agent to learn more about online banking.


Let State Farm® support your financial future with an investment through annuities in Knoxville, TN. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Phil Nichols to get more information about annuities in Knoxville, TN that support your financial goals.

Call or email an agent for investment information.

Mutual Funds

Invest in your future and help meet your goals with State Farm® Investment Planning Services. You’re offered a variety of account types and multiple investment products. Feel free to check the investment firm or professional’s background at FINRA's Broker Check®.

Talk with Phil Nichols to get more information about mutual funds in Knoxville, TN and financial opportunities.

Call or email an agent for investment information.

About Me:

  • President's Club, Lifetime Qualifier
  • Million Dollar Round Table, Lifetime Qualifier
  • Chairman's Circle Qualifier
  • Insurance professional since 1975
  • Second generation insurance professional
  • Supporter of Halls Womens Club
  • Supports Boys and Girls Club of the Tennessee Valley
  • Supporter of Halls Elementary, Middle and High Schools
  • Supporter of Gibbs Elementary and High Schools
  • Supporter of Central High School
  • Supporter of Fulton High School
  • Supporter of Powell High School

Our Mission:

Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.

Our Team:

Team Member Profile Photo Greta Wattenbarger
Greta Wattenbarger
Insurance Account Representative
God has blessed me with a wonderful career at Phil Nichols State Farm . I have been providing excellent service to our policyholders since 1988. I am a hometown girl that loves East Tennessee-the beautiful seasons and Big Orange Football. GO VOLS!
Team Member Profile Photo Rodney Snow
Rodney Snow
Insurance Account Representative
Raised in East Tennessee, and honored to continue calling Knoxville my home. The people are it's treasure, and the enviroment is it's draw. God has blessed myself, and my family for guiding us to Tennessee. Working is what I do, caring is who I am.
Team Member Profile Photo Laura Hamon
Laura Hamon
Insurance Account Representative
I was raised in Heiskell, TN and am proud to raise my boys there as well. I've worked for Phil Nichols since 2013. Please contact me for all of your insurance needs.
Team Member Profile Photo Adam Scott
Adam Scott
Insurance Account Representative
Team Member Profile Photo Michelle Davis
Michelle Davis
Agent's Executive Assistant
Michelle joined our team in 2014 but has been in the insurance industry since 1996. She is a graduate of the University of Tennessee and loves the Knoxville community.
Team Member Profile Photo Judy Steiner
Judy Steiner
Insurance Account Representative
Judy is originally from Southern Ohio and started her insurance career in 1974 in SW Florida. She moved to the beautiful state of Tennessee in 2005 and joined Phil's team in 2007. Judy looks forward to helping you with your Insurance needs.
Team Member Profile Photo Jenny Gregg
Jenny Gregg
Customer Service Manager
I have been proudly serving the needs of State Farm policyholders since 1999. I am passionate about helping people and making sure all our State Farm customer's auto, home, life and health needs are met. A native of the Chicagoland area, I now call Karns home.
Team Member Profile Photo Ericka Webster
Ericka Webster
Account Manager
I was born and raised in Oneida, TN. I moved to the Knoxville area about 8 years ago. I have been blessed to work for State Farm agents for 5 years. I have over 10 years of industry experience in both personal and commercial insurance. I believe in providing excellent service every time. I truly enjoy serving the people in our community.

Agent's Credentials and Licenses:



Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses which can be obtained by visiting the prospectus page on Read it carefully. AP2020/03/0336

Securities distributed by State Farm VP Management Corp.

Securities Supervisor address: 2500 Memorial Blvd , Murfreesboro, TN 37131-5134 Phone: 615-692-6607

State Farm Bank , F.S.B., Bloomington, Illinois, is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Bank Logo
Federal Deposit Insurance Corporation Logo
Equal Housing Lender Logo

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.