Updated: May 20, 2024
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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.
BestCar InsuranceNashvilleTable of Contents (Jump to Your Best Fit)
Why Trust MoneyGeek? We pulled Nashville car insurance quotes from Quadrant Information Services and the Tennessee Department of Commerce and Insurance. For this analysis, we created an insurance scoring system based on financial stability, affordability, customer satisfaction and claims experience data.
The best car insurance companies in Nashville for full coverage are:
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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Ranked second for affordability
High claims experience score
Offers diminished value coverage, gap insurance and accident forgiveness
Doesn’t offer new car replacement
Lower score in claims
Auto-Owners offers the best car insurance in Nashville, balancing affordability with good service and broad coverage options. Policyholders can get diminished value coverage as an optional add-on. This coverage ensures that in an accident, you will be compensated based on the car’s value before the accident, not its diminished value.
Auto-Owners also offers gap insurance, which can be helpful if you are leasing or financing your car. This will cover the difference between the vehicle’s value and the amount owed on the lease or loan in case of a total loss.
Accident forgiveness is another optional add-on to ensure that your premiums will not increase after your first at-fault accident. Other common coverages, including roadside assistance and rental car or travel reimbursement, are also available.
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.
| Auto-Owners Insurance Co | MoneyGeek Score (out of 100)82 | Annual Premium$631 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)3 | Coverages Score (out of 5)4 | Stability Score (out of 5)5 |
| Erie | MoneyGeek Score (out of 100)80 | Annual Premium$767 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)4 | Coverages Score (out of 5)3 | Stability Score (out of 5)4 |
| Cincinnati Insurance | MoneyGeek Score (out of 100)79 | Annual Premium$860 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)3 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| Westfield | MoneyGeek Score (out of 100)77 | Annual Premium$832 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)3 | Coverages Score (out of 5)4 | Stability Score (out of 5)3 |
| State Farm | MoneyGeek Score (out of 100)76 | Annual Premium$629 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Chubb | MoneyGeek Score (out of 100)71 | Annual Premium$1,065 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)4 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Travelers | MoneyGeek Score (out of 100)67 | Annual Premium$883 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)3 | Coverages Score (out of 5)4 | Stability Score (out of 5)5 |
| Nationwide | MoneyGeek Score (out of 100)63 | Annual Premium$871 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| Farmers | MoneyGeek Score (out of 100)63 | Annual Premium$850 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)3 |
| American National P&C | MoneyGeek Score (out of 100)62 | Annual Premium$1,137 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)3 |
| GEICO | MoneyGeek Score (out of 100)61 | Annual Premium$963 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Grange Insurance | MoneyGeek Score (out of 100)61 | Annual Premium$891 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)2 |
| Allstate | MoneyGeek Score (out of 100)60 | Annual Premium$922 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| Tennessee Farm Bureau | MoneyGeek Score (out of 100)No Data | Annual Premium$1,045 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)No Data | Coverages Score (out of 5)No Data | Stability Score (out of 5)No Data |
| Progressive | MoneyGeek Score (out of 100)44 | Annual Premium$1,351 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
Without factoring in cost, the best car insurance companies for customer service offering full coverage in Nashville are:
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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Ranked first for claims experience
High customer satisfaction score
Offers original equipment manufacturer (OEM) coverage, diminished value coverage and rental car or travel reimbursement coverage
Average coverage score
Doesn’t offer roadside assistance
Chubb is Nashville's best car insurance company for drivers with a full coverage policy who prioritize good service over cost. The insurer ranked first for claims experience and received high scores in customer satisfaction. Policyholders can expect excellent service from this insurer.
Chubb offers original equipment manufacturer (OEM) coverage. This is an excellent add-on if you want to ensure that your car will only be repaired using original manufacturer parts in the event of loss or damage.
Chubb also offers diminished value coverage, which guarantees that in a total loss, the company will reimburse you based on the agreed-upon value in your policy and not the diminished value of your car after the accident. Rental car or travel reimbursement coverage is also available if you want to cover travel expenses incurred when your vehicle is in the shop for repairs.
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:
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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
Affordable minimum coverage at $244 per year
Multiple car, safe driving and early signing discounts
High affordability score
Excellent coverage rating
No driver’s education or defensive driving discounts
Low claims score
Auto-Owners scored highly in affordability and coverages, meaning drivers looking for cheap rates and robust coverage will appreciate this provider.
The insurer offers policyholders multiple discounts that can help make your premiums even more affordable. You can get discounts for bundling your policy, insuring multiple cars and maintaining a clean record.
If your vehicle is equipped with safety features like anti-lock brakes, an anti-theft system or airbags, you will be eligible for a discount. Auto-Owners also offers early signing discounts if you sign up before the expiration of your current policy and pay-in-full discounts for paying your premium upfront.
This insurer even offers discounts for responsible payment if you pay your premiums on time for three years. A teen driver monitoring discount is available for teens that have a permanently installed GPS system in their car.
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 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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
Ranked first for customer satisfaction
High score in coverage
Offers good student discount
Relatively expensive at $1,085 per year
Low claims score
Cincinnati Insurance offers the best car insurance for young drivers in Nashville by combining excellent service with broad coverage options. This insurer also has above-average ratings for claims.
Young drivers can get lower premiums with various discounts, including good student discounts for those still in school and maintaining a B average or better. Safe driving discounts are available if you keep a clean driving record for a specified period. You can even get discounts for having safety equipment in your car, such as airbags, anti-lock brakes or an anti-theft system.
Cincinnati Insurance offers various optional add-ons, including a glass deductible modification waiver that waives your deductible if your windshield or windows are damaged. You can also opt for roadside assistance to get coverage for emergency services like towing or gas delivery if your car breaks down.
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 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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
Affordable policy at $1,621 per year
Offers good student discounts
High coverage score
Low claims score
Lower customer satisfaction score
Nationwide offers the best car insurance in Nashville for teens balancing coverage options and affordable rates.
Teen drivers can take advantage of student discounts like the good student discount for maintaining good grades. Students need a B average or better to access this discount.
Nationwide offers various optional coverages including accident forgiveness, which can protect you against premium increases after your first at-fault accident within a specified period. You can also opt for deductible modification, which lowers your deductible for every year of safe driving.
Rental car or travel reimbursement are also available to cover travel expenses if your car breaks down.
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 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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
Affordable coverage at $698 per year
Offers glass deductible modification, roadside assistance and rental car/travel reimbursement coverage
Ranked first for customer satisfaction
Does not offer accident forgiveness
Scores lower on claims and coverage options
Cincinnati Insurance offers the best car insurance in Nashville for seniors by balancing reasonable rates with great service. This provider outscored all the other insurers in the comparison group in customer satisfaction and ranked third in affordability.
Coverage options from this provider include roadside assistance, which ensures that your policy will cover the cost of emergency services like towing, gas delivery or mechanical labor if your car breaks down. You can also get rental car or travel reimbursement coverage to receive reimbursement for travel expenses incurred while your car is undergoing repairs.
If you opt for the glass deductible modification coverage, you will not be required to pay the deductible if your windshield or windows are damaged and need repairs. This insurer also offers classic car insurance if you have an antique or classic car.
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 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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
Affordable policy at $1,221 per year
Offers new and better car replacement coverage, accident forgiveness and gap insurance
High satisfaction score
Low coverage score
Poor claims score
No roadside assistance
Erie offers affordable coverage for Nashville drivers with offenses, ranking third in affordability. This provider also has a good satisfaction ranking.
If you have a new car that is less than two years old, you can opt for new car replacement coverage, ensuring that your policy will reimburse you with the latest model year in a total loss. Another option is better car replacement coverage, where your policy will reimburse you with a better model in case of total loss.
Erie also offers accident forgiveness, which will protect you from premium increases after your first at-fault accident in a three-year period. Gap insurance is available if you are leasing or financing your car. This coverage will pay for the difference between what you owe and the car's actual value in case of a total loss.
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 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.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Affordable policy at $939 per year
Offers new car replacement
Great coverage score
Doesn’t offer deductible modification coverage
Lower score for satisfaction
Travelers is the best option for Nashville drivers with new cars. This provider ranks first for affordability and scores highly in customer coverage options.
For drivers with new cars less than five years old, Travelers’ new car replacement coverage can help you protect your investment. Premier New Car Replacement coverage from Travelers ensures that in a total loss, your policy will pay to replace your car with a brand-new car of the same make and model.
Travelers also offers gap insurance, which can be helpful if you are leasing or financing your car. This coverage will pay the difference between the vehicle's actual value and the amount owed on the loan in the event of a total loss.
Travelers also offers accident forgiveness to protect you from premium increases and basic coverages like roadside assistance.
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.
When shopping for the best car insurance in Nashville, looking at cost, service record, coverages and financial stability is essential. MoneyGeek collected this data to help you find the best providers, but you can also do your own research using the following steps.
MoneyGeek collected customer service data from J.D. Power and other independent agencies, but you can also research your preferred provider by looking up J.D. Power satisfaction scores and NAIC complaint ratios in Nashville. The Tennessee Department of Commerce and Insurance also has valuable resources containing customer service data collected on a state level.
Our quotes are averages for sample drivers in Nashville, but these rates can vary depending on your individual profile and needs. We recommend getting quotes from at least three providers so that you can compare rates to get the best value.
The availability of coverage may vary depending on where you live, so it is best to verify that the coverage you need is available in your area. Specific discounts may only be available in some states, so check with your provider to understand what options are available in your location.
Financial stability is a good indicator of whether a company can honor its obligations, so consider an insurer’s financial strength rating when choosing a provider. Larger insurers are likely to be financially stronger, while regional companies may have lower stability 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.
Auto-Owners offers the best car insurance in Nashville at an average of $631 annually for full coverage. Auto-Owners received a MoneyGeek score of 82 out of 100, with high scores in affordability, claims experience and coverages.
Auto-Owners Insurance also offers the best car insurance in Nashville for those seeking a minimum coverage policy.
Auto-Owners Insurance is the best cheap car insurance company in Nashville at $244 per year. Auto-Owners Insurance ranked highly in affordability, claims and coverage scores, receiving a MoneyGeek score of 84 out of 100.
Auto-Owners Insurance also emerged as the best provider overall.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
