Best Nashville, TN Auto Insurance in 2024

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Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Aug 2, 2024

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

In the market for cheap auto insurance in Nashville, TN? At AutoInsuranceEZ.com, you will find the lowest priced insurance rates for your area. To find free car insurance rates available from the major providers immediately, enter your postal code in the quote box on this site.

Believe it or not, “Music City” has a lot more going for it than just being the country music capital of the United States. It is also the capital city of its state, home to a number of reputable colleges, and well-known for its thriving financial and healthcare industries. No wonder it’s the second largest city in all of Tennessee.

  • Fun fact: Were you aware that there are over 10,000 acres of beautiful parkland in Nashville? Read up on Nashville by clicking here.

Auto Insurance Coverage Requirements in Tennessee

Driving legally in Nashville requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Keep in mind that these state minimums rarely ever provide sufficient coverage when it comes to your average driver. This is because most motorists are driving relatively younger vehicles, are still making loan payments, or may even be leasing their vehicle. And in most of those cases, you’re going to need a comprehensive policy in order to protect your investment.

There are many unfortunate drivers riding around in Nashville right now with payments as high as $116 per month, which is the reported state average for Tennessee. However, there are deals going on right now in your city which make it possible to get good coverage for as low as $34/mo* – and we can prove it to you if you let us help you compare rates today.

Average Monthly Auto Insurance PremiumsLegend: Nashville Erie Nationwide State Farm Allstate Safe Auto 51015202530354045$24$28$29$46$43

Erie

Nationwide

State Farm

Allstate

Safe Auto

5

10

15

20

25

30

35

40

45

$24

$28

$29

$46

$43

 

State Farm, Erie, and Nationwide are all on the cheaper side of the automotive insurance spectrum right now, if you happen to be the average driver. However, a poor credit score or several DUIs on your record might make it impossible to get low rates from any company, regardless of who you ask.

Organizations which provide you with Tennessee auto insurance policies consider several factors while establishing insurance rates, especially gender, driving violations, type of vehicle owned, driving distance to work, and multiple cars and drivers. Also remember that premiums may alter from carrier to carrier. To find out if that you’re still receiving the lowest-cost cost, do a comparison of cheap Nashville auto insurance premiums over the internet.

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Major Car Insurance Factors in Nashville

Any time your automobile insurance company sits down to create your policy, they take lots of specifics under consideration. Some, just like credit history or your particular region, can be not possible to improve. Some alternative elements are:

Your Zip Code

Where you store your car each night will probably have a major influence on your car insurance rate. Typically, auto insurance is less expensive in outlying areas merely because a lesser number of cars and trucks means a reduced likelihood that you’ll get into an accident with some other car. The populace of Nashville is 634,464 and also the typical family income is $46,803.

Auto Insurance by Zip CodeLegend: Chattanooga Clarksville Knoxville Memphis Nashville Erie Nationwide State Farm Allstate Safe Auto 5101520253035404550556065$22$21$22$28$24$28$27$28$34$28$29$26$30$37$29$42$47$47$65$46$47$38$44$56$43

Erie

Nationwide

State Farm

Allstate

Safe Auto

5

10

15

20

25

30

35

40

45

50

55

60

65

$22

$21

$22

$28

$24

$28

$27

$28

$34

$28

$29

$26

$30

$37

$29

$42

$47

$47

$65

$46

$47

$38

$44

$56

$43

 

Automotive Accidents

Any area with a high rate of accidents, especially deadly ones, is likely to see local insurance companies raise rates for everyone. But for drivers who don’t have any serious accidents or other violations on their record, you might want to ask your insurer about Safe Driver discounts.

Fatal Accidents in Nashville, TNLegend: Nashville Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1530456075901051201356199126514414

Fatal accident count

Vehicles involved in fatal crashes

Fatal crashes involving drunk persons

Fatalities

Persons involved in fatal crashes

Pedestrians involved in fatal accidents

15

30

45

60

75

90

105

120

135

61

99

12

65

144

14

 

Auto Thefts in Nashville

Dwelling in a big city (particularly any with a significant rate of crime) can increase your chance of being a target for auto theft. In cases where your overall location has higher statistics of auto theft claims filed, you can expect to pay much more for car insurance to be able to counterbalance these expenses. The total number of taken vehicles in 2013 was up to 1,197 in Nashville. But this doesn’t mean you should risk skimping on your Comprehensive coverage just to save a buck – it’s still a good idea to have it on your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Erie Nationwide State Farm Allstate Safe Auto 102030405060708090100110$24$69$28$59$29$78$46$118$43$98

Erie

Nationwide

State Farm

Allstate

Safe Auto

10

20

30

40

50

60

70

80

90

100

110

$24

$69

$28

$59

$29

$78

$46

$118

$43

$98

 

Your Credit Score

If you’re a driver with poor credit in Nashville, most providers will at least double the cost of your monthly premium compared to other drivers. Some companies may even come close to tripling or quadrupling it.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Erie Nationwide State Farm Allstate Safe Auto 5101520253035404550556065$24$25$38$31$28$53Do Not Sell$39$29$32$32$35$46$52$55$65$43$45$46$63

Erie

Nationwide

State Farm

Allstate

Safe Auto

10

20

30

40

50

60

70

80

90

$23

$77

$27

$43

$24

$69

$41

$87

$38

$97

 

Your Age

If you’re trying to find cheap insurance for a student or a teenage driver, you’re going to have a difficult time. Yes, Good Student and Driver’s Ed discounts will help, but at the end of the day they will still have to pay much more expensive rates than adults or seniors.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Erie Nationwide State Farm Allstate Safe Auto 255075100125150175200225$24$70$28Do Not Sell$29$130$46$123$43$238

Erie

Nationwide

State Farm

Allstate

Safe Auto

25

50

75

100

125

150

175

200

225

$24

$70

$28

Do Not Sell

$29

$130

$46

$123

$43

$238

 

Your Driving Record

Serious driving violations can send your premiums through the roof, or may even get your coverage dropped completely. But for the lesser violation(s) on your record, you might want to ask about an Accident Forgiveness discount. This lowers your rate by making sure at least one of those minor violations aren’t calculated in the overall cost of your premium.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Erie Nationwide State Farm Allstate Safe Auto 5101520253035404550556065$24$25$38$31$28$53Do Not Sell$39$29$32$32$35$46$52$55$65$43$45$46$63

Erie

Nationwide

State Farm

Allstate

Safe Auto

5

10

15

20

25

30

35

40

45

50

55

60

65

$24

$25

$38

$31

$28

$53

Do Not Sell

$39

$29

$32

$32

$35

$46

$52

$55

$65

$43

$45

$46

$63

 

Your Vehicle

With car insurance, you’re essentially wasting money and leaving yourself vulnerable to economic hardship if you don’t purchase enough coverage for your vehicle. For older, cheaper vehicles, sometimes the state minimum is enough. But for a luxury vehicle, you’re going to want to purchase multiple types of coverage, and in very high amounts, just in case the worst happens.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Erie Nationwide State Farm Allstate Safe Auto 153045607590105120135150$24$83$28$66$29$106$46$132$43$152

Erie

Nationwide

State Farm

Allstate

Safe Auto

15

30

45

60

75

90

105

120

135

150

$24

$83

$28

$66

$29

$106

$46

$132

$43

$152

 

Minor Car Insurance Factors in Nashville

Some drivers may be surprised to learn about the following factors’ effect on your insurance bill:

Your Marital Status

Have you and your spouse started bundling your policies together? Well, you should! It’s a great way to reduce your household bills. And single people can bundle too, especially if they have renter’s or motorcycle insurance with the same company.

Your Gender

In truth, there’s really no significant difference between how women and men drive. And because of this, most companies don’t even charge different rates based on gender anymore. Some still do, but the overcharged gender varies from one company to the other.

Your Driving Distance to Work

Gridlock can be intense when commuting around Nashville; average trips of around 16-29 minutes tend to plague the average driver. And since most drivers commute alone in their own truck or car (77%), this can make some pretty big traffic jams! Another 5-18% try to avoid this by carpooling.

Did you know that slashing your annual mileage by 5,000 miles each year will only get you a 4-6% discount on your premium? That means you’ll have to give up driving at least 14 miles each day. Most people are only on the road when they have to be to start with, so 14 miles a day is a pretty big sacrifice for such a small discount.

Your Coverage and Deductibles

Raising your deductible is a great way to lower your monthly premium. But make sure you protect yourself financially by setting aside at least the cost of that deductible into a savings account, and don’t touch it unless it’s an absolute emergency. After all, how devastating would it be if your car was stuck in the shop, and you didn’t have the money to file a claim and get it repaired?

Education in Nashville, TN

Almost one-quarter of the Nashville population owns a high school diploma or another equivalent, while an impressive 19% of residents also have a bachelor’s degree hanging on their wall. If you fit into this group, you also fit into another group according to your auto insurance provider – the group of people who are automatically offered cheaper policies!

Nashville is populated by so many universities that it has been nicknamed “The Athens of the South”. There are scores of different schools to choose from, ranging from the prestigious Nashville School of Law to private universities such as Free Will Baptist Bible College. There are also technical schools like The International Academy of Design and Technology, and large public schools, such as Tennessee State University.

You should not permit an unsatisfactory car insurance agency persuade you into getting a car insurance policy that is not right for you. Yes, the total amount of related information required in order to determine your individual risk profile can be overwhelming, but comparison web pages similar to this might help make your search much easier. Just simply type in a few details below, and we’ll take over from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Tennessee Department of Commerce & Insurance

Tennessee Department of Finance & Administration

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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