Updated: December 15, 2025
Advertising & Editorial Disclosure
Auto Owners delivers the most affordable coverage for diverse driver types in Nashville. You'll pay just $31 monthly for minimum coverage or $86 for full coverage, saving 8% compared to the city average.
Travelers ranks as the runner-up for affordability with $40 minimum and $81 full coverage monthly rates. This insurer offers especially competitive pricing for young drivers or senior drivers.
Farm Bureau provides affordable options for senior drivers and drivers with an accident, making it a smart choice for Nashville residents.
Cheapest by Coverage and Driver Profile in Nashville:
Farm Bureau leads with the cheapest minimum coverage at just $30 monthly, saving you 23% compared to the city average. Auto-Owners follows closely at $31 per month, delivering 27% savings below Nashville's typical rates.
Travelers offers full coverage at $81 monthly with 25% savings, while Auto-Owners maintains its value position at $86 per month, still 27% under the city average.
| Farm Bureau | $30 | $94 | -23% |
| Auto Owners | $32 | $86 | -27% |
| Travelers | $40 | $82 | -25% |
| Penn National Insurance | $42 | $111 | -5% |
| Farmers | $50 | $99 | -8% |
Not in Nashville? Read more about the cheapest car insurance in Tennessee or the best car insurance in Tennessee.
Teens and drivers in their early twenties have the highest premiums due to their limited driving experience. Travelers offers the most affordable option at $202 monthly, while Auto-Owners comes in second at $234 per month. GEICO rounds out the top three at $241 monthly.
Young drivers can cut costs by staying on a parent's policy instead of purchasing separate coverage. Completing a defensive driving course can unlock discounts of 5% to 15%.
| Travelers | $202 | $2,430 | -27% |
| Auto Owners | $234 | $2,810 | -15% |
| Geico | $242 | $2,898 | -13% |
| Farm Bureau | $252 | $3,029 | -9% |
| Penn National Insurance | $256 | $3,066 | -8% |
Nashville seniors can take advantage of several money-saving opportunities when shopping for car insurance. Farm Bureau has the most affordable rates at $99 monthly for full coverage, followed by Travelers at $116 and Auto-Owners at $125.
Beyond competitive base rates, drivers 65 and older can save through defensive driving courses, which reduce premiums up to 10% for three years. Most insurers also provide accident forgiveness programs specifically for senior drivers.
| Farm Bureau | $100 | $1,197 | -32% |
| Travelers | $117 | $1,400 | -20% |
| Auto Owners | $125 | $1,500 | -14% |
| Farmers | $134 | $1,609 | -8% |
| Penn National Insurance | $135 | $1,622 | -7% |
If you have a DUI, State Farm offers the most affordable coverage at just $45 monthly for minimum limits, with Farm Bureau close behind at $47. For speeding tickets, Farm Bureau offers the best rate at $30 per month, followed by Auto-Owners at $44.
At-fault accidents also see Farm Bureau as the cheapest option at $30 monthly, while State Farm comes in second at $49.
| At-Fault Accident | Farm Bureau | $30 | -57% |
| At-Fault Accident | State Farm | $49 | -30% |
| DUI | State Farm | $45 | -44% |
| DUI | Farm Bureau | $48 | -41% |
| Speeding Ticket | Farm Bureau | $30 | -51% |
| Speeding Ticket | Auto Owners | $45 | -28% |
Your ZIP code matters more than you might think when shopping for car insurance in Nashville. Drivers in 37217 pay around $113 monthly for full coverage, while those in 37205 pay just $102. That $11 gap exists because insurers analyze specific location data like theft rates, accident frequency and traffic patterns for each ZIP code.
| 37217 | $113 |
| 37211 | $111 |
| 37240 | $109 |
| 37235 | $109 |
| 37207 | $108 |
| 37210 | $108 |
| 37214 | $108 |
| 37206 | $107 |
| 37213 | $107 |
| 37201 | $107 |
| 37205 | $102 |
| 37080 | $102 |
| 37221 | $102 |
| 37218 | $103 |
| 37215 | $103 |
| 37212 | $104 |
| 37209 | $104 |
| 37204 | $105 |
| 37203 | $106 |
| 37208 | $106 |
Auto-Owners has an impressive 96 MoneyGeek score. This insurer delivers the perfect combination of affordable rates and exceptional customer satisfaction.
Travelers, Farm Bureau, Erie and Farmers round out the top choices for Music City residents. These companies each bring their own advantages.
| Auto Owners | 97 | 1 | 1 | 6 |
| Travelers | 94 | 2 | 3 | 5 |
| Farm Bureau | 87 | 3 | 5 | 8 |
| Erie Insurance | 84 | 7 | 2 | 3 |
| Farmers | 82 | 4 | 10 | 1 |
Fastest claims processing
Safe & Sound Program protects newer vehicle investments
Personalized service through local independent agents
Higher rates than some Nashville competitors
No rideshare coverage for Uber/Lyft drivers
Additional fees for gap and diminished value coverage
Auto Owners provides competitive rates for young drivers and maintains strong financial stability. Its 24/7 customer support and digital platform allow Nashville drivers to file claims promptly.
Mobile app streamlines claim reporting and tracking
IntelliDrive program rewards safe driving with discounts
Competitive rates for young Nashville drivers
Limited accident forgiveness availability in Nashville
Slower claims resolution than some competitors
Fewer coverage options than other providers
Travelers ranks first in Nashville for outstanding digital customer service and competitive rates for young drivers. The company offers the lowest full coverage rates for drivers under 25 and provides robust mobile tools that allow Nashville residents to manage policies and track claims.
Nashville drivers can get affordable coverage.
Combine your auto policy with home or renters insurance for 15% to 25% savings. Stack on multi-car discounts (10% to 25% per vehicle) plus good driver and payment discounts. Total potential savings can reach 30% to 40% when these are layered strategically together.
Increasing your deductible from $500 to $1,000 typically reduces premiums by 10% to 15% annually.
Insurance companies regularly adjust their rates based on Nashville's changing risk factors and claims data. Your driving record also improves after three years without incidents, potentially qualifying you for better rates with different insurers.
Our FAQ answers common questions about Nashville insurance costs and coverage options to help you make informed decisions.
Nashville car insurance runs about $106 monthly for full coverage. While that's not cheap, it's significantly less expensive than Memphis, where drivers pay $142 per month. You're getting a relatively good deal compared to Bristol, where full coverage costs just $37 monthly, making Nashville fall somewhere in the middle range for Tennessee.
Finding affordable car insurance in Nashville starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Tennessee’s insurance requirements all shape your premium.
We partnered with the Tennessee Department of Commerce and Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Nashville ZIP code.
Our ratings for the best car insurance in Nashville are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Nashville neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
