The Best Car Insurance in Nashville, TN, for 2022

With a MoneyGeek score of 85 out of 100, State Farm offers the best car insurance in Nashville, balancing customer satisfaction, affordability and financial stability. However, the best option for you depends on your age and coverage level.

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Last Updated: 8/12/2022
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While MoneyGeek’s analysis identified State Farm as the best company, the best option for you may be different depending on your age and background. We researched the most suitable companies for young and old drivers, those with military experience and those with driving violations. MoneyGeek also analyzed the cheapest car insurance in Nashville for those looking to save money on their policies.

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The Best Car Insurance in Nashville

Best Car Insurance Companies in Nashville: Overall

MoneyGeek ranked the best car insurance companies in Nashville after considering their average rates, claims ratings and user satisfaction scores. We found the following companies offer the best and cheapest car insurance policies in the city:

  • State Farm: 85 out of 100
  • GEICO: 74 out of 100

USAA received a MoneyGeek score of 98 out of 100, making it the best car insurance company in the city. However, since its policies are only available to military families, we didn’t include it in this analysis.

The Top Car Insurance Companies in Nashville

1
State FarmOverall
Score:85

4.3/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm’s full coverage policy costs an average of $711 per year. The company ranks the highest for customer satisfaction and affordability, while it has the second-highest rating for claims. It offers a unique rideshare insurance option.

More About State Farm

With State Farm’s rideshare insurance, your personal auto policy’s coverage remains in effect while you’re working for a ridesharing company like Uber or Lyft. The company also offers roadside assistance, which helps you get back on the road if your car breaks down.

Read MoneyGeek's State Farm auto Insurance Review
2
GEICO
Score:74

3.4/5

Affordability

4/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO charges an average of $675 per year for a full coverage policy. The company ranks second-highest for customer satisfaction, claims and affordability. It offers policyholders mechanical breakdown insurance.

More About GEICO

GEICO’s mechanical breakdown insurance offers better coverage than the typical dealer extended warranty. However, your car must be less than 15 months old with less than 15,000 miles to qualify. The company also offers rental car reimbursement, which covers the cost of a rental vehicle if your car isn’t driveable for at least 24 hours due to being in an accident.

Read MoneyGeek's GEICO auto Insurance Review
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RESOURCES ON CAR INSURANCE IN NASHVILLE, TENNESSEE

For drivers looking to save money on car insurance, MoneyGeek researched the cheapest car insurance companies in Nashville. If you want more information, check out the following resources:

Best Cheap Car Insurance for Minimum Coverage in Nashville

MoneyGeek researched companies offering state-minimum policies for drivers looking to buy minimum coverage in Nashville. We found the following companies are the best options for drivers who want such policies:

  • State Farm: 86 out of 100
  • GEICO: 82 out of 100

We scored these companies after considering different driver backgrounds, including young and older drivers and those with violations.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Cheap minimum coverage policy at an average cost of $337 per year

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Offers bundling, defensive driving and new vehicle discount

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MoneyGeek satisfaction rating of 4.5 out of 5

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MoneyGeek claims rating of 4 out of 5

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Does not offer discounts on paperless billing or full payment

COMPANY HIGHLIGHTS

State Farm offers many discounts, making it easy for policyholders to save money on car insurance. With this company, you can get a discount on medical payments coverage if your vehicle was manufactured in 1994 or later. Drivers who complete a defensive driving course are also eligible for a discount. You can also save money by bundling your auto insurance policy with other State Farm insurance types.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance for Young Drivers in Nashville

MoneyGeek’s research shows that the following companies offer the best and most affordability policies in Nashville for young drivers:

  • Erie: 95 out of 100
  • State Farm: 91 out of 100

MoneyGeek’s score is based on a blend of different policy coverages and driving histories for 18-year-old drivers.

Insurers generally charge higher rates for teen drivers and college students. However, it’s still possible to find cheaper policies by shopping around.

MoneyGeek’s Pick: Erie

Erie

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Affordable policies for young drivers at an average cost of $2,024 per year

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Offers distant student, drivers education and young safe driver discounts

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MoneyGeek claims rating of 5 out of 5

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MoneyGeek affordability rating of 4.8 out of 5

cons

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Does not offer a good student discount

COMPANY HIGHLIGHTS

Insurance companies generally charge a lot of money to add young drivers to a policy. However, Erie provides policies for teen drivers at an affordable rate. The company also offers many discounts to young drivers, including distant student and driver’s education discounts. With Erie, you can also get a discount on your policy if you’re under 21 and live with your parents.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance for Senior Drivers in Nashville

MoneyGeek found that the following insurers are the best options for senior drivers in Nashville:

  • State Farm: 88 out of 100
  • Erie: 73 out of 100

We rated these companies after considering different policy coverages and driving histories for 70-year-old drivers. Compared to middle-aged drivers, seniors in Nashville pay slightly higher rates for car insurance.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Cheap policies for seniors at an average cost of $695 per year

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Offers defensive driving discount

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MoneyGeek user satisfaction rating of 4.5 out of 5

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MoneyGeek claims rating of 4 out of 5

cons

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Does not offer any unique coverages

COMPANY HIGHLIGHTS

While there's no significant difference between senior and other driver's policies, some insurance companies may charge more to insure older people. State Farm offers the best policy for seniors with affordable rates and excellent service quality. The company provides a discount to drivers who've completed a defensive driving course. With State Farm, policyholders also get many coverage options, including roadside assistance, rental car reimbursement and rideshare insurance.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance With a Driving Violation in Nashville

MoneyGeek analyzed the best and cheapest companies for drivers with an at-fault accident on their records. We identified the following companies as the best options for such drivers:

  • State Farm: 92 out of 100
  • Erie: 83 out of 100

Our scores are based on a blend of different policy coverages and drivers of varying ages. MoneyGeek’s research shows that drivers with a bad record generally pay higher car insurance rates.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Charges $843 per year for drivers with an accident on their record

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Offers seven common discounts, making it easy to save money

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MoneyGeek customer satisfaction rating of 4.5 out of 5

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MoneyGeek claims rating of 4 out of 5

cons

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Does not offer any unique coverages

COMPANY HIGHLIGHTS

Most insurers charge higher rates to insure drivers with a bad record. State Farm, with cheap policies and many standard discounts, is one of the best options for drivers with a bad record. This company offers discounts, including bundling, multiple-car, good student, safe driving and more.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance With a Military Background in Nashville

USAA is the best option for drivers with a military background in Nashville, as the company offers a great combination of affordability and customer satisfaction. It has a MoneyGeek score of 98 out of 100. We scored USAA after considering a blend of different driver backgrounds and coverage levels, including young and older drivers and those with violations. The company only offers policies to current and former military members.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable full coverage policy at an average cost of $543 per year

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Offers five common discounts, including bundling, good student, multiple cars and safe driving

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MoneyGeek satisfaction rating of 4.5 out of 5

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MoneyGeek claims rating of 5 out of 5

cons

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Only offers policies to military members

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Only offers three common coverages

COMPANY HIGHLIGHTS

USAA offers excellent service and affordable policies, making it the best option for military families. The company provides common coverages, including roadside assistance, rental car reimbursement and accident forgiveness. However, it doesn’t offer many unique coverages. With this company, you can get a discount on safe driving, insuring multiple cars, being a good student, defensive driving and others.

Read MoneyGeek's USAA Auto Insurance Review

Methodology

MoneyGeek researched the best and cheapest car insurance in Nashville, Tennessee, after analyzing scores from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

We determined the best car insurance company in the city for different driver profiles by applying the following weightings to each category:

  • Affordability (70%): MoneyGeek compared different insurers in Nashville and gave each insurer an affordability score, scaled to five points. The insurer that offered the cheapest policy received a perfect score of five.
  • Customer and claims satisfaction (20%): MoneyGeek analyzed customer satisfaction and claims satisfaction surveys from J.D. Power to score companies. We weighted each sub-category at 10%.
  • Financial stability (10%): MoneyGeek used AM Best’s scores, which show how likely an insurer will be able to pay claims when facing adverse financial conditions.

MoneyGeek scaled each score to five points and then scaled the overall score to 100 points. We determined the affordability score after considering different factors, including driver’s age, driving record and coverage levels. The blend of drivers was changed to reflect each category appropriately.

In this guide, the average premiums discussed are for a full coverage policy with the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

For more information, we provide a detailed explanation of MoneyGeek’s methodology.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.