Best Car Insurance Companies in Nashville, TN

The best car insurance provider for you will depend on your profile and needs. Cincinnati Insurance offers the best car insurance for young adults and seniors, while Auto-Owners is the best option overall and for cheap policies. Erie is best for drivers with offenses, and Travelers is ideal for those with new cars. Nationwide is best for teens, and Chubb is best for service.

MoneyGeek also analyzed the cheapest car insurance in Nashville.

The best car insurance companies in Nashville for full coverage are:

• Auto-Owners: MoneyGeek score 82 out of 100 ($631 per year)
• Cincinnati Insurance: MoneyGeek score 79 out of 100 ($860 per year)

Auto-Owners received high scores in affordability and coverage, offering policyholders a broad set of coverages at inexpensive rates. USAA is Nashville’s top car insurance provider for military families, with a MoneyGeek score of 85 out of 100.

Although Auto-Owners is the best provider overall in Nashville, Erie offers the best car insurance in Tennessee, with a MoneyGeek score of 92 out of 100.

We analyzed 15 auto insurance companies to identify the best providers in Nashville. Auto-Owners received the highest MoneyGeek rating and emerged as the overall winner with high scores in affordability, customer satisfaction and claims.

Although companies like State Farm and Erie scored better than Auto-Owners in customer satisfaction, their low scores in claims and coverages lowered their rankings. Progressive ranked last in the comparison group with the lowest affordability score.

For this analysis, we used rates for a full coverage policy and only included car insurance providers with enough data for all the scoring categories analyzed.

Without factoring in cost, the best car insurance companies for customer service offering full coverage in Nashville are:

• Chubb: MoneyGeek score 76 out of 100 ($1,065 per year)
• Cincinnati Insurance: MoneyGeek score 74 out of 100 ($860 per year)

Chubb ranked highly for claims experience and customer satisfaction. Policyholders can expect excellent service from this insurer, but Chubb’s car insurance rates are among the highest in Nashville. This means the insurer’s good service comes at a high cost.

An insurer that has good customer service will handle claims promptly and fairly. Working with a trustworthy company is helpful when filing a claim.

Chubb had the highest claims score out of the 15 companies analyzed, so they are more likely than other companies to honor claims. It outscored companies like Auto-Owners and Cincinnati in claims and ranked among the top four providers for customer satisfaction scores pulled from J.D. Power.

The best cheap car insurance companies in Nashville based on affordability and service quality for minimum coverage policies in Tennessee are:

• Auto-Owners Insurance Co: MoneyGeek score 84 out of 100 ($244 per year)
• State Farm: MoneyGeek score 75 out of 100 ($269 per year)

The minimum car insurance requirements in Tennessee are the same across all cities in the state. These minimum coverage policies offer the lowest rates if you are on a budget, but they provide limited liability protection and will not cover damage to your vehicle.

An insurer with a good minimum coverage offers cheap rates and still provides good service. In some cases, there is a trade-off, but getting good service at affordable rates is possible.

Auto-Owners Insurance emerged as the winner for this category based on their affordability, J.D. Power customer satisfaction scores and claims ratings. Compared to insurers like State Farm and Erie, Auto-Owners offered the best balance of cost and service quality.

The best car insurance for young adults wanting a full coverage policy in Nashville is offered by:

• Cincinnati Insurance: MoneyGeek score 79 out of 100 ($1,085 per year)
• Auto-Owners Insurance Co: MoneyGeek score 78 out of 100 ($911 per year)

Cincinnati Insurance ranked well for customer satisfaction and coverages. It is the best option for young drivers who need an insurer that provides excellent support and a broad set of coverage options.

A good insurer for young adults will offer affordable rates, discounts and coverages tailored for young drivers and great service.

Cincinnati Insurance won this category based on a stellar customer satisfaction record from J.D. Power and high scores in coverages and claims. Compared to the runner-up, Auto-Owners, Cincinnati Insurance had higher scores in customer satisfaction.

The best car insurance companies in Nashville for teens on a family policy who want full coverage are:

• Nationwide: MoneyGeek score 73 out of 100 ($1,621 per year)
• Allstate: MoneyGeek score 69 out of 100 ($1,856 per year)

Nationwide ranked highly for affordability and coverage options

The best car insurance for teens is a family policy since rates for an individual teen policy tend to be much higher. Nashville teens pay $2,891 more per year for individual teen car insurance compared to the cost of a family policy.

The best insurer for teens offers affordable rates since car insurance can be expensive for teen drivers. They also offer good service and coverages tailored to help teen drivers and their parents feel safe.

Nationwide emerged as the best provider for teens based on its coverage options and affordability. Compared to Allstate, the runner-up, Nationwide had a better affordability score.

The best car insurance companies for seniors in Nashville for full coverage are:

• Cincinnati Insurance: MoneyGeek score 83 out of 100 ($698 per year)
• Auto-Owners: MoneyGeek score 81 out of 100 ($601 per year)

Cincinnati Insurance ranked highly for customer satisfaction and affordability. Senior drivers can expect stellar service at inexpensive rates from this provider.

Car insurance rates for drivers in their 60s are similar to rates for people in their 30s through 50s. After the age of 70, seniors should expect to pay higher rates. You can get cheaper car insurance for seniors by shopping around and comparing quotes.

The best car insurance for seniors offers affordable rates and coverage options suited to senior drivers who can be more susceptible to crash injuries, such as personal injury protection (PIP). Discounts tailored for seniors with good service records are also important.

Cincinnati Insurance stands out in this category for having the best customer satisfaction scores in the comparison group while still offering affordable rates. Compared to Auto-Owners, Cincinnati Insurance provides better customer service.

The best full coverage car insurance companies in Nashville for drivers with offenses are:

• Erie: MoneyGeek score 79 out of 100 ($1,221 per year)
• Cincinnati Insurance: MoneyGeek score 78 out of 100 ($1,986 per year)

Erie ranked well for claims experience and affordability, indicating that this provider offers good service at relatively inexpensive rates.

When shopping for the best car insurance for drivers with offenses on their record, you may have to pay higher rates for more serious violations. Nashville drivers with a DUI pay an average of $810 more for car insurance than drivers with a clean record, but drivers with a ticket only pay $191 more.

The best insurer for drivers with offenses offers affordable rates and multiple discount options since car insurance can be costly if you have a violation on your record.

Erie emerged as the best insurer in this category based on its high scores in affordability and satisfaction. Compared to the runner-up, Cincinnati Insurance, Erie ranked better in claims experience and affordability. Erie also offers coverages that would benefit drivers with offenses, including new and better car replacement.

The best car insurance companies in Nashville for those with a new car wanting full coverage are:

• Travelers: MoneyGeek score 76 out of 100 ($939 per year)
• Farmers: MoneyGeek score 60 out of 100 ($1,082 per year)

Travelers earned high scores in affordability and coverages.

We scored providers based on affordability and service quality for drivers with a 2022 model car in Tennessee. This category includes only insurers who offer new or better car replacement coverage. New car replacement and better car replacement coverages ensure that, in case of a total loss, your policy will reimburse you with a new car of the same make and model or a better model.

The best insurer for drivers with new cars will offer coverages that help to protect your investment, like new or better car replacement.

Among other insurers who offer new car replacement coverage, Travelers won this category with the most affordable rates and good customer satisfaction scores based on J.D. Power ratings.

The best car insurance in Nashville for you will depend on your profile and needs. We answered commonly asked questions to help you learn more.