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Average Cost of Car Insurance in Nashville

Nashville$860
Tennessee$1,018
U.S.$1,424

Let’s look at the average cost of car insurance in Nashville and compare it with the state and national averages. In Nashville, drivers pay an average of $860 annually for auto insurance, which is much lower than both the Tennessee and national averages. In fact, the Nashville rate is about 15.6% lower than the Tennessee average, and about 39.6% less than the national average.

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The Best Cheap Car Insurance Companies in Nashville

The cheapest car insurance company in Nashville is USAA, but they serve only military members and their families. The next most affordable car insurance company is GEICO whose coverage is about 47% less costly compared to Tennessee Farmers, which is Nashville’s most expensive auto insurance company.

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Personalized Quotes to Get You the Cheapest Car Insurance in Nashville

Insurance companies use many factors to calculate car insurance quotes in Nashville and decide the risk linked to a driver. These factors include age, gender, driving history, ZIP code, make and model of the vehicle and more. Consider GEICO in Nashville. Their policy for an 18-year-old driver is nearly three times more expensive than its coverage for a 40-year-old driver. You should aim to get a customized quote regularly to improve your odds of finding affordable coverage.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Nashville by Coverage Amount

How much car insurance coverage you purchase in Nashville also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Tennessee Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.

Car insurers create insurance plans with varying limits and costs for each level and type of coverage. GEICO offers both 50/100/50 full-coverage and liability-only plans in Nashville. GEICO’s full-coverage policy costs an average of $256 more than a liability-only policy. However, this option may be a worthwhile extra expenditure because the policy offers more benefits.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Nashville if You Have Tickets

Safe drivers enjoy the advantage of paying less for their auto insurance compared to those with a violation on their driving record. In Nashville. State Farm policyholders who have a DUI or speeding tickets on their record pay about $66 more annually than those with a spotless record.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $642
    $773
    $993
  • $777
    $843
    $777
  • $769
    $1,075
    $1,205
  • 4. Erie
    $828
    $1,031
    $1,231
  • $1,051
    $1,331
    $870
  • $1,006
    $1,171
    $1,209
  • 7. Tennessee Farmers
    $993
    $993
    $1,580
  • $1,165
    $1,265
    $1,315
  • $1,046
    $1,351
    $1,623
  • $1,314
    $1,371
    $1,507
  • $1,362
    $1,530
    $2,390

Average Cost of Car Insurance by Postal Code

ZIP code also makes a difference when it comes to calculating car insurance premiums. Some areas are riskier as there are more accidents, car thefts and uninsured motorists there. In Nashville, if you live in the 37221 area code, you will pay roughly $31 less in yearly auto insurance costs compared to those living in the 37211 area code.

  • Zip Code
    State Minimumper year
  • 37221
    $845
  • 37209
    $851
  • 37207
    $868
  • 37211
    $876
iconribbontop ratedCar Insurance agentsNashville2021

Top Agents Offering Affordable Car Insurance in Nashville

1. Chamberlain Insurance Agency4721 Trousdale Dr, Ste 210, Nashville, TN, 37220
5 ratings
2. Arnie Phipps - State Farm Insurance Agent4811 Trousdale Dr, Ste C, Nashville, TN, 37220
5 ratings
3. S&S Insurance Agency625 Main St, Ste 105, Nashville, TN, 37206
4 ratings
4. Robins Insurance Agency, Inc30 Burton Hills Blvd, Ste 300, Nashville, TN, 37215
4 ratings
5. West End Insurance1323 6th Ave N, Nashville, TN, 37208
4 ratings

Factors That Impact Insurance Costs in Nashville

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Nashville. How Nashville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities73rd/300
handcuffs2 icon
Most Car Thefts119th/300
uninsured icon
Most Uninsured Motorists by State5th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall49th/300
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Most Rainy Days67th/300

Shopping around for car insurance in Nashville could save you $185, which is enough to buy:


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62Cups of Coffee
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14Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Nashville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Nashville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.