Cheapest Auto Insurance in Nashville, Tennessee (2024)
Nashville drivers can secure affordable coverage through State Farm, with minimum-coverage policies as low as $25 per month.
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Written byErin Gobler
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5+ years of finance writing experience
Certificate of financial planning from Boston University
Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated October 30, 2024
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Table of contents
Home to an electrifying music scene, Nashville residents have no shortage of live music to enjoy. As the capital of Tennessee and its most-populated city, Nashville also draws huge numbers of tourists. In 2022, a record-breaking 14.4 million people visited Music City — an increase of 13% over 2021.[1]
Having so many out-of-towners on the roads could partially explain why Nashville residents pay an overall average of $146 per month for car insurance — slightly more than the Tennessee average of $121 per month. But finding affordable rates is still possible.
Here’s what you should know about securing cheap car insurance in Nashville.
Quick Facts
Nashville is the largest city in Tennessee, with a population of 683,622.[2] A large city can have more frequent and serious accidents, which affect how much its residents pay for car insurance.
State Farm, USAA, and GEICO are the three cheapest companies in Nashville.
Liability insurance in Nashville costs an average of $89 per month, and full coverage costs $204 per month.
3 of the cheapest car insurance companies in Nashville
When you’re shopping for car insurance in Nashville, it’s important to consider your budget as well as the type of coverage you need. Because Nashville — and Tennessee in general — has relatively affordable car insurance rates to begin with, shopping for coverage doesn’t have to be a headache.
To help make the process easier, Insurify rounded up a list of the three best car insurance companies in Nashville based on factors such as average rates, coverage, customer service, and Insurify Qualify (IQ) scores.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $44 | $22 | Overall |
| USAA | 9.4 | $52 | $26 | Military families |
| Mile Auto | 7.5 | $70 | $39 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer overall: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $25/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $51/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a great option if you want a company that offers affordable rates, great coverage, and an excellent reputation in the industry. State Farm is the largest U.S. auto insurer by market share. It consistently ranks among the top companies for customer service, partially thanks to its large network of local exclusive agents. In Nashville, State Farm offers some of the lowest monthly rates.
Pros
Above-average J.D. Power customer satisfaction rating in the Southeast region
Usage-based discount for safe drivers
Cons
Gap insurance not available
Accident forgiveness only available to long-time customers
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $30/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $61/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA membership is limited to active-duty military members, veterans, and their immediate families. Once a member, you’ll have access to a wide variety of financial services, including affordable and highly-rated auto insurance. USAA has some of the cheapest rates and highest-rated customer satisfaction in the industry.
Pros
Full suite of financial services
SafePilot telematics program rewards safe driving
Cons
Coverage restricted to members of the military community
24/7 live customer support not available
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $82/mo |
4.1
Best choiceBased on 50 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto may be right for you if you drive relatively few miles. The company offers pay-per-mile insurance, meaning, after a base rate, you only pay for the miles you drive. Low-mileage drivers can save 30% to 40% on their insurance premiums, according to the company’s website. But in exchange for the savings, you may not have access to the robust coverage, discount, and customer service options more traditional auto insurers offer.
Pros
Savings for low-mileage drivers
Doesn’t require a tracking app
Cons
No discounts available
Relatively few coverage options
How to get the cheapest car insurance in Nashville
Tennessee drivers already pay some of the lowest insurance premiums in the country. And you can save even more by taking a few extra steps when you’re signing up for a policy:[3]
Shop around. You can find the best rates by getting quotes from multiple insurance companies and choosing the one that offers you the best rate.
Bundle your policies. Many insurers offer savings when you bundle your auto insurance with your homeowners insurance or renters insurance.
Save with discounts. In addition to the multi-policy discount, other popular insurer discounts include those for safe driving, vehicle safety features, and more. Ask your insurance company which discounts you may be eligible for.
Update your policy. You can lower your premiums by either reducing your coverage limits or raising your deductible. Just make sure you don’t increase your deductible so much that you can’t afford to pay it out of pocket if you need to file a claim.
Compare Car Insurance Quotes in Nashville
Liability rates start at $25 per month
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Cheapest liability-only car insurance in Nashville: State Farm
Liability-only car insurance refers to a policy that only includes bodily injury and property damage liability coverage. Nearly every state requires drivers to have liability coverage, and Tennessee is no exception. This coverage pays for injuries and damage to other people and property when you’re at fault for an accident. A liability-only policy is also the cheapest type of policy you can get.
“This [coverage] pays if a driver damages another vehicle or injures another person,” says Nick Schrader, an insurance agent with Second Western Insurance. But keep in mind that this type of coverage won’t pay for your own injuries or damage that you cause in an accident.
The average monthly rate for liability coverage in Nashville is $89, and you can see how rates vary from top insurers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $25 |
| USAA | $30 |
| GEICO | $32 |
| Travelers | $33 |
| Auto-Owners | $34 |
| Erie | $37 |
| Mile Auto | $45 |
| Allstate | $46 |
| Farmers | $49 |
| Nationwide | $61 |
| Progressive | $67 |
| Chubb | $71 |
| Safeco | $71 |
| Midvale Home & Auto | $82 |
| Dairyland | $84 |
| National General | $86 |
| State Auto | $94 |
| Direct Auto | $97 |
| Elephant | $99 |
| Liberty Mutual | $105 |
| GAINSCO | $117 |
| The General | $131 |
| Bristol West | $162 |
| Foremost | $177 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Nashville: State Farm
Full-coverage insurance isn’t as affordable as a liability-only policy, but it’s a better option for many drivers. Full coverage includes coverages to protect your vehicle, including collision coverage, which pays for damage to your vehicle from an accident, and comprehensive coverage, which pays for damage caused by something other than an accident such as vehicle theft and weather damage.
“It is recommended that a consumer purchases full coverage when they finance a vehicle and/or if the vehicle is worth repairing and replacing after a major loss,” Schrader says. Keep in mind that if you finance or lease your vehicle, your lender or leasing company will require you to have full coverage.
For Nashville drivers, full coverage costs a monthly average of $204. Here’s a collection of quotes from top insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $51 |
| USAA | $61 |
| GEICO | $67 |
| Auto-Owners | $70 |
| Travelers | $70 |
| Erie | $75 |
| Mile Auto | $82 |
| Allstate | $94 |
| Farmers | $101 |
| Safeco | $122 |
| Nationwide | $124 |
| Progressive | $136 |
| Midvale Home & Auto | $143 |
| Chubb | $146 |
| Elephant | $159 |
| State Auto | $194 |
| Liberty Mutual | $195 |
| National General | $200 |
| Direct Auto | $226 |
| The General | $238 |
| Dairyland | $241 |
| GAINSCO | $317 |
| Foremost | $343 |
| Bristol West | $400 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Nashville, Tennessee
Drivers in and around Nashville, Tennessee have found policies from Elephant, Direct Auto, Certainly, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Nashville, Tennessee within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Nashville, Tennessee within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Tennessee
Tennessee requires all drivers to have a certain amount of liability coverage to legally operate a vehicle in the state. This coverage protects other drivers from losses if you cause an accident, and it protects you from paying for those losses out of pocket. If you’re caught driving without the minimum insurance in Tennessee, you’ll be subject to fines and registration suspension.
Here’s the minimum insurance coverage you’ll need in Tennessee:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the coverage the state of Tennessee requires, many other coverages are available that you may decide to add to your policy to further protect you from losses. Those optional coverages include:
Collision coverage
Collision insurance pays for damages to your car if you collide with another car or stationary object like a tree or light pole, even if you’re at fault.
Comprehensive coverage
Comprehensive insurance covers damage that doesn’t result from a car accident, such as theft, vandalism, fire, weather hazards and cracked windshields.
Medical payments coverage
Also known as MedPay, this optional add-on can help pay for hospital visits, surgeries, funeral expenses, and more for you and your passengers if you’re injured in an accident (even if you’re at fault).
Roadside assistance coverage
Exact coverages vary by insurer, but roadside assistance generally covers towing, jump-starts, flat-tire changes, and more.
Gap coverage
If you total your car but still owe money on it, gap insurance will cover the difference between your outstanding loan or lease balance and what insurance pays you for the car.
Cheapest car insurance for Nashville drivers with an incident
When insurance companies calculate your insurance premiums, your driving history is one of the biggest factors they consider. Incidents such as speeding tickets, driving under the influence, or at-fault accidents on your driving record can increase your rates.
“Moving violations and at-fault accidents increase the operator’s insurance rate because it shows poor driving experience,” says Schrader. “Speeding tickets and at-fault accidents typically remain on the driving record for three years, while a DUI can be rated for 10 years.”
Shop for Car Insurance in Nashville, TN
Monthly rates start at $31 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
A speeding ticket will cost you in terms of the fine you’re charged and the points added to your driving history — between one and eight points in Tennessee — but it’ll also cost you on your insurance premiums.[5] The effect of a speeding ticket on your insurance rates depends on several factors, including how fast you were going. A ticket can influence your insurance premiums for three to five years.
Nashville drivers with a speeding ticket pay a monthly average of $293 for full coverage. Below are the cheapest insurance companies for drivers in Nashville with speeding ticket on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $25 | $32 |
| USAA | $30 | $39 |
| GEICO | $32 | $42 |
| Travelers | $33 | $44 |
| Auto-Owners | $34 | $45 |
| Erie | $37 | $50 |
| Mile Auto | $45 | $61 |
| Allstate | $46 | $60 |
| Farmers | $49 | $64 |
| Nationwide | $61 | $81 |
| Progressive | $67 | $88 |
| Chubb | $71 | $94 |
| Safeco | $71 | $94 |
| Dairyland | $84 | $110 |
| National General | $86 | $113 |
| State Auto | $94 | $134 |
| Direct Auto | $97 | $127 |
| Elephant | $99 | $140 |
| Liberty Mutual | $105 | $149 |
| GAINSCO | $117 | $166 |
| The General | $131 | $174 |
| Bristol West | $162 | $212 |
| Foremost | $177 | $250 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
A car accident can have a major effect on your insurance premiums for three to five years. Not only does it show that you’re a higher-risk driver, but it often costs your insurance company money. An accident has the greatest effect on your insurance premiums when you’re the one at fault. But your rates could also increase slightly after an accident where you weren’t at fault.
The average rate for full-coverage insurance with an accident on your record is $302 per month in Nashville. The table below highlights the cheapest insurers for Nashville drivers with an at-fault accident on their driving record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $25 | $34 |
| USAA | $30 | $41 |
| GEICO | $32 | $44 |
| Travelers | $33 | $46 |
| Auto-Owners | $34 | $47 |
| Erie | $37 | $52 |
| Mile Auto | $45 | $65 |
| Allstate | $46 | $63 |
| Farmers | $49 | $67 |
| Nationwide | $61 | $84 |
| Progressive | $67 | $93 |
| Chubb | $71 | $98 |
| Safeco | $71 | $95 |
| Dairyland | $84 | $114 |
| National General | $86 | $119 |
| State Auto | $94 | $141 |
| Direct Auto | $97 | $135 |
| Elephant | $99 | $133 |
| Liberty Mutual | $105 | $154 |
| GAINSCO | $117 | $154 |
| The General | $131 | $182 |
| Bristol West | $162 | $220 |
| Foremost | $177 | $259 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence of alcohol or drugs is one of the most serious driving offenses. It’s also one that affects your insurance premiums the most. Unfortunately, a DUI will also remain on your record longer than most other violations, meaning it could cost you for years. And in some cases, an insurance company may even deny you coverage or cancel your policy mid term.
It’s worth noting that higher insurance premiums could be the least of your worries if you get a DUI in Tennessee. Penalties for a first offense can include jail time, license revocation, fines, restitution, and mandated participation in an alcohol-and-drug-treatment program.[6]
Full-coverage car insurance in Nashville for drivers with a DUI conviction is $343 on average, per month. This table shows average monthly rates from insurers in the area.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $25 | $42 |
| USAA | $30 | $50 |
| GEICO | $32 | $53 |
| Travelers | $33 | $55 |
| Auto-Owners | $34 | $57 |
| Erie | $37 | $62 |
| Mile Auto | $45 | $75 |
| Allstate | $46 | $77 |
| Farmers | $49 | $82 |
| Nationwide | $61 | $102 |
| Progressive | $67 | $112 |
| Chubb | $71 | $118 |
| Safeco | $71 | $118 |
| Dairyland | $84 | $140 |
| National General | $86 | $143 |
| State Auto | $94 | $157 |
| Direct Auto | $97 | $162 |
| Elephant | $99 | $165 |
| Liberty Mutual | $105 | $175 |
| GAINSCO | $117 | $195 |
| The General | $131 | $218 |
| Bristol West | $162 | $270 |
| Foremost | $177 | $295 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
There’s a strong correlation between risk and age when it comes to car insurance. Generally speaking, drivers see their premiums decrease consistently as they get older. But this trend shifts when a driver reaches their 70s, as the risk of an accident increases around this age.[7] The good news is that even if your rates increase in your 70s, you’ll still pay less than young drivers.
The overall average monthly cost for car insurance is $101 for Nashville senior drivers. Here are some of the best monthly insurance quotes for seniors in Nashville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $36 | $18 |
| USAA | $45 | $22 |
| GEICO | $49 | $23 |
| Travelers | $50 | $24 |
| Auto-Owners | $51 | $25 |
| Erie | $52 | $26 |
| Mile Auto | $57 | $31 |
| Allstate | $69 | $34 |
| Farmers | $72 | $35 |
| Nationwide | $85 | $42 |
| Progressive | $89 | $44 |
| Safeco | $95 | $55 |
| Chubb | $97 | $47 |
| Elephant | $119 | $74 |
| State Auto | $135 | $65 |
| National General | $141 | $61 |
| Liberty Mutual | $150 | $81 |
| Direct Auto | $162 | $69 |
| Dairyland | $177 | $62 |
| The General | $179 | $98 |
| GAINSCO | $245 | $91 |
| Foremost | $250 | $129 |
| Bristol West | $294 | $119 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
In most cases, young drivers pay the highest premiums of all because of their lack of driving experience, riskier driving behavior, and greater potential to cause an accident.[8] Teen drivers in Nashville pay an overall average of $253 per month for car insurance.
The good news is teen drivers have ways to save money on car insurance.
“It’s important for them to maximize their discounts, such as driver training and good grades,” says Schrader. “The pricing is better if they drive vehicles with safety features.”
Another way for young drivers to save money is to remain on their parents’ insurance policies for as long as possible. It’s almost always more affordable to add a teen to the policy of an adult than it is for that teen to sign up for their own coverage. Teens younger than 18 can't buy their own policies unless they have the written consent of a parent or guardian.
Here are some of the best monthly car insurance quotes for young drivers in Nashville who have their own policies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $87 | $42 |
| USAA | $101 | $50 |
| GEICO | $106 | $51 |
| Auto-Owners | $118 | $57 |
| Erie | $126 | $62 |
| Travelers | $126 | $59 |
| Mile Auto | $159 | $87 |
| Allstate | $166 | $81 |
| Farmers | $176 | $86 |
| Nationwide | $214 | $105 |
| Progressive | $241 | $119 |
| Safeco | $243 | $141 |
| Elephant | $259 | $161 |
| Chubb | $274 | $133 |
| Liberty Mutual | $344 | $185 |
| State Auto | $344 | $167 |
| The General | $378 | $208 |
| National General | $393 | $169 |
| Dairyland | $394 | $137 |
| Direct Auto | $410 | $176 |
| GAINSCO | $551 | $204 |
| Foremost | $608 | $314 |
| Bristol West | $674 | $273 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Nashville car insurance quotes by credit tier
Most states allow car insurance companies to use information in your consumer credit history to generate an insurance-based credit score. That score, in turn, helps insurers estimate your likelihood of filing a claim. Generally, a poor credit score indicates a high likelihood of filing a claim, while an excellent or good credit score indicates a lower risk. As a result, the higher your credit score, the lower the insurance premiums you’re likely to get. Meanwhile, a low credit score is likely to increase your rates.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Nashville?
Tennessee drivers enjoy some of the lowest insurance premiums in the country. The national average cost of car insurance is $211 per month for full coverage and $104 for liability-only coverage. By comparison, the average rates in Tennessee are $167 for full coverage and $74 for liability.
Nashville's averages – $204 and $89, respectively – are lower than the national averages but higher than the state average costs.
More cities in Tennessee
Here’s how average monthly car insurance quotes differ in other Tennessee cities compared to Nashville.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Chattanooga | $170 | $82 |
| Clarksville | $197 | $86 |
| Knoxville | $173 | $75 |
| Memphis | $238 | $112 |
| Murfreesboro | $191 | $83 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Nashville car insurance FAQs
If you’re getting ready to sign up for car insurance in Nashville, here are a few other things you might want to know.
How much is car insurance in Nashville?
The average car insurance premium in Nashville is $89 per month for liability-only coverage and $204 per month for full coverage.
Which company has the cheapest car insurance in Nashville?
State Farm has the cheapest car insurance in Nashville, with monthly liability rates as low as $25. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $30 and $32.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Nashville?
State Farm is the best overall insurance company in Nashville thanks to its affordable premiums, highly rated customer service, and more. Some of the other best car insurance companies include USAA and Mile Auto.
Is it illegal to drive in Tennessee without insurance?
Yes. It’s illegal to drive without at least the state's minimum required amount of liability insurance in Tennessee. If you’re caught driving without insurance, you could be subject to fines and suspension of your vehicle registration.
Does insurance follow the car in Tennessee?
Yes. Car insurance generally follows the car, rather than the driver, in Tennessee. So no matter who’s driving your car, your insurance should apply.
If someone drives your car regularly, you usually must list them as a driver on your policy, or your insurer could deny your claim if they cause an accident while driving your vehicle.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Tennessee
Sources
- VisitMusicCity.com. "Tourism Generates Record Economic Activity for City in 2022."
- U.S. Census Bureau. "Quick Facts: Nashville-Davidson metropolitan government."
- Insurance Information Institute. "How to save money on car insurance."
- Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
- Tennessee Department of Safety & Homeland Security. "Schedule of Points Values."
- Tennessee Department of Safety & Homeland Security. "DUI Offenses."
- Insurance Institute for Highway Safety. "Older drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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