Compare Rates and Save on Auto Insurance

widget-location-pin

Your driving profile affects which insurer is the cheapest. In Nashville, Auto-Owners offers the lowest rate for minimum coverage or with a sports car. State Farm is the cheapest for full coverage, young adults or seniors or with a violation. USAA is ideal for military-affiliated drivers. Teens and drivers with poor credit get the best value from Nationwide.

MoneyGeek also ranked the best car insurance providers in Nashville that balance affordability and quality service.

MoneyGeek Logo IconCheapestCar InsuranceNashville
2023

Cheapest Car Insurance in Nashville, TN

Cheapest Minimum Coverage Car Insurance in Nashville

The average cheapest car insurance companies for a minimum coverage policy in Nashville are:

  • Auto-Owners: $244 per year
  • State Farm: $269 per year

Progressive is the least affordable provider in Nashville for minimum coverage of the companies MoneyGeek collected quotes for, charging roughly $555 per year.

Tennessee Farm Bureau is the cheapest auto insurance company in Tennessee, with an average statewide premium of $276 a year for minimum coverage. Its cost in Nashville, though, averages $375 a year. That shows how location can affect which company offers the cheapest car insurance.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$244

$20

Auto-Owners Insurance Co

$246

$21

State Farm

$253

$21

State Farm

$269

$22

Cincinnati Insurance

$300

$25

Erie

$317

$26

Erie

$319

$27

State Farm

$327

$27

Cincinnati Insurance

$351

$29

Auto-Owners Insurance Co

$353

$29

Westfield

$355

$30

Tennessee Farm Bureau

$358

$30

Grange Insurance

$368

$31

Grange Insurance

$371

$31

Tennessee Farm Bureau

$375

$31

Chubb

$386

$32

Westfield

$392

$33

Grange Insurance

$408

$34

Westfield

$418

$35

Chubb

$419

$35

Erie

$426

$36

Travelers

$430

$36

Cincinnati Insurance

$438

$37

GEICO

$439

$37

Farmers

$444

$37

Farmers

$465

$39

American National P&C

$471

$39

Travelers

$475

$40

Travelers

$480

$40

GEICO

$482

$40

Tennessee Farm Bureau

$506

$42

Nationwide

$513

$43

Progressive

$517

$43

Nationwide

$527

$44

American National P&C

$540

$45

Allstate

$544

$45

Farmers

$546

$46

Allstate

$551

$46

Progressive

$555

$46

GEICO

$558

$47

American National P&C

$563

$47

State Farm

$577

$48

Allstate

$586

$49

Nationwide

$597

$50

Auto-Owners Insurance Co

$601

$50

State Farm

$629

$52

Auto-Owners Insurance Co

$631

$53

Progressive

$690

$57

Chubb

$694

$58

Cincinnati Insurance

$698

$58

Erie

$763

$64

Erie

$767

$64

Nationwide

$805

$67

State Farm

$808

$67

Farmers

$813

$68

Grange Insurance

$816

$68

Westfield

$832

$69

Westfield

$838

$70

Farmers

$850

$71

Cincinnati Insurance

$860

$72

Nationwide

$871

$73

Travelers

$883

$74

Grange Insurance

$891

$74

Travelers

$899

$75

Auto-Owners Insurance Co

$911

$76

Tennessee Farm Bureau

$921

$77

Allstate

$922

$77

Chubb

$942

$79

GEICO

$963

$80

Allstate

$977

$81

GEICO

$986

$82

Grange Insurance

$991

$83

Allstate

$993

$83

Erie

$1,025

$85

Farmers

$1,028

$86

Nationwide

$1,033

$86

Travelers

$1,035

$86

Tennessee Farm Bureau

$1,045

$87

Westfield

$1,063

$89

Chubb

$1,065

$89

Cincinnati Insurance

$1,085

$90

American National P&C

$1,137

$95

American National P&C

$1,161

$97

Progressive

$1,232

$103

GEICO

$1,263

$105

Progressive

$1,351

$113

Tennessee Farm Bureau

$1,451

$121

American National P&C

$1,461

$122

Chubb

$1,561

$130

Progressive

$1,747

$146

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin

In Tennessee, minimum liability coverage has bodily injury and property damage at these limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Your liability coverage is how much your insurer will pay for any third-party injured driver and passengers if you’re at fault for an accident. You’ll have to pay out of pocket for any expenses that exceed the policy’s liability limits.

For example, if you carry a policy with bodily injury liability limits of $25,000 per person and $50,000 per accident, your insurer will pay up to those amounts in an at-fault accident. So, if two people are injured, and both have medical bills totaling $30,000, your insurer only pays $25,000 per person, so you are responsible for $10,000.

mglogo icon
MONEYGEEK EXPERT TIP

When you get auto insurance in Tennessee, the insurance company must offer uninsured motorist (UM) coverage. You can reject the coverage in writing. However, insurance professionals strongly advise every driver to have UM and underinsured motorist (UIM) coverage. UM covers the damages you incur when hit by an uninsured driver or a hit-and-run. UIM steps in when a driver who hits you does not have enough coverage to pay your damages. In Tennessee, the uninsured motorist rate is over 23%, which is amongst the highest in the nation, displaying how important this coverage is for a Nashville driver. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Full Coverage Car Insurance in Nashville

The average cheapest car insurance companies for a full coverage policy in Nashville are:

  • State Farm: $629 per year
  • Auto-Owners: $631 per year

Progressive is the most expensive insurer for full coverage in Nashville at around $1,351 per year.

Erie offers the cheapest full coverage car insurance in Tennessee, averaging $768 per year. That’s much more than the cost in Nashville for full coverage through Auto-Owners, displaying the effect location has on auto insurance.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$244

$20

Auto-Owners Insurance Co

$246

$21

State Farm

$253

$21

State Farm

$269

$22

Cincinnati Insurance

$300

$25

Erie

$317

$26

Erie

$319

$27

State Farm

$327

$27

Cincinnati Insurance

$351

$29

Auto-Owners Insurance Co

$353

$29

Westfield

$355

$30

Tennessee Farm Bureau

$358

$30

Grange Insurance

$368

$31

Grange Insurance

$371

$31

Tennessee Farm Bureau

$375

$31

Chubb

$386

$32

Westfield

$392

$33

Grange Insurance

$408

$34

Westfield

$418

$35

Chubb

$419

$35

Erie

$426

$36

Travelers

$430

$36

Cincinnati Insurance

$438

$37

GEICO

$439

$37

Farmers

$444

$37

Farmers

$465

$39

American National P&C

$471

$39

Travelers

$475

$40

Travelers

$480

$40

GEICO

$482

$40

Tennessee Farm Bureau

$506

$42

Nationwide

$513

$43

Progressive

$517

$43

Nationwide

$527

$44

American National P&C

$540

$45

Allstate

$544

$45

Farmers

$546

$46

Allstate

$551

$46

Progressive

$555

$46

GEICO

$558

$47

American National P&C

$563

$47

State Farm

$577

$48

Allstate

$586

$49

Nationwide

$597

$50

Auto-Owners Insurance Co

$601

$50

State Farm

$629

$52

Auto-Owners Insurance Co

$631

$53

Progressive

$690

$57

Chubb

$694

$58

Cincinnati Insurance

$698

$58

Erie

$763

$64

Erie

$767

$64

Nationwide

$805

$67

State Farm

$808

$67

Farmers

$813

$68

Grange Insurance

$816

$68

Westfield

$832

$69

Westfield

$838

$70

Farmers

$850

$71

Cincinnati Insurance

$860

$72

Nationwide

$871

$73

Travelers

$883

$74

Grange Insurance

$891

$74

Travelers

$899

$75

Auto-Owners Insurance Co

$911

$76

Tennessee Farm Bureau

$921

$77

Allstate

$922

$77

Chubb

$942

$79

GEICO

$963

$80

Allstate

$977

$81

GEICO

$986

$82

Grange Insurance

$991

$83

Allstate

$993

$83

Erie

$1,025

$85

Farmers

$1,028

$86

Nationwide

$1,033

$86

Travelers

$1,035

$86

Tennessee Farm Bureau

$1,045

$87

Westfield

$1,063

$89

Chubb

$1,065

$89

Cincinnati Insurance

$1,085

$90

American National P&C

$1,137

$95

American National P&C

$1,161

$97

Progressive

$1,232

$103

GEICO

$1,263

$105

Progressive

$1,351

$113

Tennessee Farm Bureau

$1,451

$121

American National P&C

$1,461

$122

Chubb

$1,561

$130

Progressive

$1,747

$146

Full coverage insurance increases your financial protection by adding comprehensive and collision coverage to your policy.

  • Collision insurance: Covers the costs to repair or replace your vehicle if it sustains damage in an at-fault accident, such as a collision with another vehicle or an object, such as a fence, light pole or tree.
  • Comprehensive insurance: Covers expenses related to the repair or replacement of your vehicle if it sustains damage in a non-collision incident like theft, fire, animal damage or a weather-related event.

Paying hundreds of dollars more a year for full coverage might not be a sensible decision if you have an older car that’s lost much of its value. But we advise drivers of newer and more expensive cars to purchase full coverage.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find the best option

    Get matched with an insurer in Nashville.

  • financialPlanning icon

    Discover savings

    Cheaper insurers could pocket you hundreds of dollars per year.

Cheapest Car Insurance in Nashville After a Driving Offense

The average cheapest car insurance companies for a full coverage policy after a driving violation in Nashville are:

  • Speeding ticket: State Farm ($691 per year)
  • At-fault accident: State Farm ($753 per year)
  • DUI: State Farm ($691 per year)

Progressive is the most expensive provider in Nashville for drivers with a speeding ticket or an at-fault accident, with a full coverage policy averaging $1,785 and $2,445 per year, respectively. Chubb is the least affordable option for drivers with a DUI at around $4,306 per year.

Drivers with a moving violation tend to pay a higher rate than those with a clean record. We found that even the cheapest insurers could charge more for the same policy.

Company
Annual Premium
Monthly Premium

State Farm

$281

$23

State Farm

$281

$23

State Farm

$298

$25

State Farm

$298

$25

State Farm

$309

$26

State Farm

$328

$27

Erie

$330

$28

Erie

$333

$28

Auto-Owners Insurance Co

$344

$29

Auto-Owners Insurance Co

$347

$29

Tennessee Farm Bureau

$358

$30

Tennessee Farm Bureau

$358

$30

Cincinnati Insurance

$358

$30

State Farm

$363

$30

State Farm

$363

$30

Tennessee Farm Bureau

$375

$31

Tennessee Farm Bureau

$375

$31

State Farm

$399

$33

Cincinnati Insurance

$417

$35

Westfield

$426

$35

Erie

$433

$36

Erie

$433

$36

Chubb

$439

$37

Erie

$444

$37

Auto-Owners Insurance Co

$446

$37

Auto-Owners Insurance Co

$449

$37

Westfield

$470

$39

Chubb

$477

$40

GEICO

$488

$41

Auto-Owners Insurance Co

$497

$41

Grange Insurance

$498

$41

Westfield

$501

$42

Tennessee Farm Bureau

$506

$42

Tennessee Farm Bureau

$506

$42

Grange Insurance

$509

$42

Cincinnati Insurance

$522

$44

Erie

$536

$45

GEICO

$538

$45

Erie

$539

$45

Grange Insurance

$547

$46

Farmers

$547

$46

Grange Insurance

$554

$46

Tennessee Farm Bureau

$564

$47

Travelers

$566

$47

Nationwide

$570

$48

American National P&C

$571

$48

Erie

$578

$48

Nationwide

$584

$49

Grange Insurance

$589

$49

Allstate

$591

$49

Tennessee Farm Bureau

$591

$49

Travelers

$592

$49

Travelers

$597

$50

Allstate

$598

$50

GEICO

$602

$50

Grange Insurance

$607

$51

Westfield

$611

$51

Farmers

$615

$51

Progressive

$623

$52

Travelers

$625

$52

Grange Insurance

$631

$53

Farmers

$632

$53

State Farm

$636

$53

State Farm

$636

$53

Cincinnati Insurance

$639

$53

Grange Insurance

$639

$53

Allstate

$640

$53

Auto-Owners Insurance Co

$643

$54

Farmers

$648

$54

Westfield

$648

$54

Nationwide

$654

$55

American National P&C

$655

$55

Progressive

$660

$55

Travelers

$661

$55

Chubb

$662

$55

Farmers

$666

$56

Auto-Owners Insurance Co

$673

$56

Allstate

$673

$56

Westfield

$674

$56

Travelers

$675

$56

Auto-Owners Insurance Co

$678

$57

American National P&C

$679

$57

Allstate

$683

$57

American National P&C

$684

$57

Allstate

$686

$57

Cincinnati Insurance

$689

$57

Nationwide

$689

$57

GEICO

$691

$58

Travelers

$691

$58

State Farm

$691

$58

State Farm

$691

$58

State Farm

$694

$58

Allstate

$696

$58

Grange Insurance

$703

$59

Nationwide

$707

$59

Farmers

$713

$59

Erie

$714

$60

Travelers

$715

$60

Chubb

$722

$60

Farmers

$735

$61

Allstate

$735

$61

Progressive

$740

$62

Farmers

$740

$62

Allstate

$750

$63

State Farm

$753

$63

Cincinnati Insurance

$760

$63

Progressive

$768

$64

Farmers

$770

$64

American National P&C

$771

$64

American National P&C

$779

$65

GEICO

$782

$65

Erie

$791

$66

Travelers

$792

$66

Progressive

$795

$66

Erie

$796

$66

Chubb

$797

$66

Nationwide

$798

$67

Tennessee Farm Bureau

$800

$67

Nationwide

$804

$67

Cincinnati Insurance

$814

$68

American National P&C

$815

$68

Nationwide

$822

$68

Cincinnati Insurance

$827

$69

GEICO

$861

$72

GEICO

$863

$72

Auto-Owners Insurance Co

$872

$73

Progressive

$882

$74

American National P&C

$884

$74

State Farm

$889

$74

State Farm

$889

$74

Auto-Owners Insurance Co

$911

$76

Nationwide

$913

$76

Tennessee Farm Bureau

$921

$77

Tennessee Farm Bureau

$921

$77

American National P&C

$925

$77

Cincinnati Insurance

$938

$78

GEICO

$946

$79

Nationwide

$946

$79

State Farm

$970

$81

Auto-Owners Insurance Co

$972

$81

GEICO

$994

$83

Westfield

$999

$83

Westfield

$1,006

$84

Erie

$1,008

$84

Cincinnati Insurance

$1,009

$84

Erie

$1,011

$84

Nationwide

$1,012

$84

Allstate

$1,024

$85

Cincinnati Insurance

$1,024

$85

Progressive

$1,029

$86

Tennessee Farm Bureau

$1,045

$87

Tennessee Farm Bureau

$1,045

$87

Erie

$1,063

$89

Chubb

$1,071

$89

Allstate

$1,090

$91

Farmers

$1,092

$91

GEICO

$1,099

$92

Auto-Owners Insurance Co

$1,100

$92

Allstate

$1,106

$92

Farmers

$1,107

$92

Progressive

$1,141

$95

Auto-Owners Insurance Co

$1,141

$95

GEICO

$1,151

$96

Nationwide

$1,174

$98

Farmers

$1,191

$99

Progressive

$1,194

$100

Grange Insurance

$1,195

$100

Allstate

$1,196

$100

Westfield

$1,202

$100

Chubb

$1,213

$101

Erie

$1,221

$102

Farmers

$1,223

$102

Grange Insurance

$1,223

$102

Erie

$1,225

$102

Chubb

$1,228

$102

Grange Insurance

$1,230

$102

Grange Insurance

$1,233

$103

Nationwide

$1,233

$103

Allstate

$1,234

$103

Travelers

$1,237

$103

Westfield

$1,239

$103

Farmers

$1,248

$104

Westfield

$1,265

$105

Farmers

$1,269

$106

Westfield

$1,276

$106

Farmers

$1,278

$106

Allstate

$1,280

$107

Cincinnati Insurance

$1,288

$107

Travelers

$1,291

$108

Allstate

$1,294

$108

American National P&C

$1,307

$109

Westfield

$1,307

$109

Westfield

$1,314

$109

Nationwide

$1,319

$110

Allstate

$1,324

$110

Auto-Owners Insurance Co

$1,325

$110

American National P&C

$1,332

$111

Grange Insurance

$1,334

$111

Allstate

$1,337

$111

Erie

$1,345

$112

Travelers

$1,350

$113

Travelers

$1,354

$113

Farmers

$1,369

$114

GEICO

$1,389

$116

Travelers

$1,412

$118

Travelers

$1,416

$118

Travelers

$1,424

$119

Farmers

$1,429

$119

American National P&C

$1,436

$120

Grange Insurance

$1,439

$120

Cincinnati Insurance

$1,448

$121

Tennessee Farm Bureau

$1,451

$121

Tennessee Farm Bureau

$1,451

$121

Tennessee Farm Bureau

$1,465

$122

American National P&C

$1,479

$123

Grange Insurance

$1,483

$124

Progressive

$1,517

$126

Nationwide

$1,518

$127

Nationwide

$1,528

$127

Westfield

$1,538

$128

American National P&C

$1,544

$129

Progressive

$1,551

$129

Travelers

$1,555

$130

Chubb

$1,556

$130

Travelers

$1,565

$130

Grange Insurance

$1,570

$131

GEICO

$1,575

$131

Cincinnati Insurance

$1,599

$133

American National P&C

$1,603

$134

Nationwide

$1,604

$134

Chubb

$1,607

$134

Auto-Owners Insurance Co

$1,609

$134

Erie

$1,629

$136

Auto-Owners Insurance Co

$1,655

$138

American National P&C

$1,658

$138

Tennessee Farm Bureau

$1,663

$139

Auto-Owners Insurance Co

$1,668

$139

GEICO

$1,670

$139

Chubb

$1,705

$142

Grange Insurance

$1,748

$146

Progressive

$1,785

$149

Chubb

$1,787

$149

Cincinnati Insurance

$1,802

$150

American National P&C

$1,813

$151

Nationwide

$1,814

$151

Chubb

$1,830

$153

GEICO

$1,843

$154

Progressive

$1,847

$154

Progressive

$1,940

$162

American National P&C

$1,941

$162

GEICO

$1,985

$165

Cincinnati Insurance

$1,986

$166

GEICO

$2,026

$169

GEICO

$2,137

$178

Progressive

$2,211

$184

Cincinnati Insurance

$2,260

$188

Tennessee Farm Bureau

$2,312

$193

Westfield

$2,402

$200

Westfield

$2,407

$201

Auto-Owners Insurance Co

$2,436

$203

Progressive

$2,445

$204

Cincinnati Insurance

$2,497

$208

Progressive

$2,611

$218

Westfield

$2,632

$219

Chubb

$2,739

$228

Progressive

$2,950

$246

Chubb

$2,958

$247

Chubb

$3,756

$313

Chubb

$4,306

$359

Chubb

$6,556

$546

You might notice a spike in your car insurance premium after a traffic violation, and the more severe it is, the higher the rate bump. For example, the average cost of a full coverage policy in Nashville increases by around $206 a year after getting a speeding ticket and roughly $810 annually after a DUI.

We’ve listed several ways to get cheap auto insurance with a bad driving record.

mglogo icon
MONEYGEEK EXPERT TIP

Accident forgiveness, an optional coverage, is a great choice for drivers with clean motor vehicle records to add to their auto insurance policies. With it, should you be involved in an at-fault accident, your policy cost will not go up. Many companies offer this add-on coverage, and some, like GEICO and Progressive, award accident forgiveness for free when you maintain a driving record that is clear of moving violations. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Nashville for Teens and Their Families

The average cheapest car insurance companies for teens on a full coverage family policy in Nashville are:

  • Nationwide: $1,389 per year for female teens; $1,589 per year for male teens
  • State Farm: $1,640 per year for female teens
  • Allstate: $1,755 per year for male teens

Progressive is the least affordable insurer for teen drivers on a family policy in Nashville, with full coverage costing around $3,134 per year for females and $3,387 per year for males.

Male teens typically face a higher insurance rate because they are considered more prone to reckless driving. With the cheapest provider, Nationwide, the premium difference between female and male teens amounts to roughly $203 per year. In early adulthood, the difference in cost diminishes.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$848

$1,811

Travelers

$933

$1,783

Nationwide

$937

$1,699

Nationwide

$947

$1,835

State Farm

$950

$2,031

State Farm

$981

$2,055

Farmers

$995

$1,871

Nationwide

$997

$2,434

State Farm

$1,002

$2,488

Travelers

$1,009

$1,864

Auto-Owners Insurance Co

$1,025

$3,011

Auto-Owners Insurance Co

$1,041

$2,972

State Farm

$1,044

$2,231

Nationwide

$1,048

$1,900

Travelers

$1,049

$2,005

Travelers

$1,056

$2,215

Nationwide

$1,060

$2,842

Farmers

$1,063

$2,082

State Farm

$1,070

$2,705

Allstate

$1,071

$1,648

Travelers

$1,085

$2,073

Nationwide

$1,089

$2,288

Auto-Owners Insurance Co

$1,091

$3,116

Allstate

$1,098

$1,660

Nationwide

$1,107

$2,007

Nationwide

$1,113

$2,156

State Farm

$1,117

$2,340

Auto-Owners Insurance Co

$1,125

$3,304

Allstate

$1,132

$2,209

Auto-Owners Insurance Co

$1,134

$3,572

Nationwide

$1,152

$2,646

Auto-Owners Insurance Co

$1,153

$3,294

Travelers

$1,156

$2,136

Allstate

$1,160

$1,785

Nationwide

$1,183

$2,292

State Farm

$1,185

$2,948

Auto-Owners Insurance Co

$1,187

$4,028

Travelers

$1,188

$2,413

Travelers

$1,194

$2,530

Allstate

$1,202

$4,947

Allstate

$1,204

$2,454

Allstate

$1,218

$2,142

Auto-Owners Insurance Co

$1,226

$3,600

Auto-Owners Insurance Co

$1,227

$4,462

State Farm

$1,235

$3,121

State Farm

$1,235

$3,538

State Farm

$1,237

$2,591

Travelers

$1,242

$2,294

Allstate

$1,250

$1,889

Allstate

$1,252

$1,928

Auto-Owners Insurance Co

$1,284

$3,801

Allstate

$1,294

$2,223

Nationwide

$1,295

$4,544

Nationwide

$1,303

$3,860

Allstate

$1,324

$2,584

State Farm

$1,325

$3,287

Nationwide

$1,331

$3,250

Allstate

$1,338

$3,040

Allstate

$1,360

$2,056

Allstate

$1,376

$5,591

Travelers

$1,386

$2,814

Nationwide

$1,389

$5,041

Travelers

$1,389

$2,822

Travelers

$1,395

$3,265

Auto-Owners Insurance Co

$1,415

$5,146

Farmers

$1,421

$1,618

Auto-Owners Insurance Co

$1,423

$4,213

State Farm

$1,424

$4,069

Auto-Owners Insurance Co

$1,424

$5,933

Auto-Owners Insurance Co

$1,430

$4,683

Nationwide

$1,436

$5,041

Farmers

$1,446

$1,647

Farmers

$1,453

$1,654

Allstate

$1,458

$3,358

Farmers

$1,469

$1,773

Nationwide

$1,477

$5,857

Nationwide

$1,482

$5,039

Farmers

$1,494

$1,751

Nationwide

$1,507

$4,042

Farmers

$1,517

$1,778

Allstate

$1,522

$3,101

Farmers

$1,533

$6,845

Farmers

$1,544

$3,602

Farmers

$1,545

$1,810

Farmers

$1,561

$1,977

State Farm

$1,562

$4,456

State Farm

$1,564

$3,879

GEICO

$1,568

$2,252

Travelers

$1,587

$4,140

Nationwide

$1,589

$6,522

GEICO

$1,597

$2,304

Farmers

$1,611

$3,872

GEICO

$1,616

$2,320

Farmers

$1,622

$7,424

GEICO

$1,626

$2,347

Allstate

$1,627

$6,694

GEICO

$1,630

$3,273

State Farm

$1,632

$4,663

Travelers

$1,639

$3,328

State Farm

$1,640

$5,330

Nationwide

$1,645

$6,522

Travelers

$1,652

$3,923

Allstate

$1,665

$8,917

GEICO

$1,683

$3,476

GEICO

$1,703

$2,446

Farmers

$1,721

$3,235

GEICO

$1,730

$2,918

GEICO

$1,732

$2,499

Allstate

$1,755

$8,489

GEICO

$1,778

$3,112

Farmers

$1,779

$7,943

Farmers

$1,794

$3,514

Allstate

$1,799

$7,312

State Farm

$1,816

$5,112

Farmers

$1,893

$8,664

Progressive

$1,903

$2,946

Travelers

$1,945

$5,074

Progressive

$1,945

$3,025

Travelers

$1,958

$5,107

Farmers

$1,960

$11,473

Travelers

$2,028

$6,622

GEICO

$2,047

$4,780

State Farm

$2,082

$5,861

Farmers

$2,085

$12,547

State Farm

$2,092

$6,692

Progressive

$2,111

$3,267

GEICO

$2,130

$4,276

GEICO

$2,145

$5,180

Progressive

$2,161

$4,422

Progressive

$2,179

$3,776

Progressive

$2,184

$3,397

GEICO

$2,240

$5,866

GEICO

$2,242

$4,630

Progressive

$2,264

$3,504

Progressive

$2,318

$4,219

Auto-Owners Insurance Co

$2,352

$6,716

Auto-Owners Insurance Co

$2,363

$8,778

GEICO

$2,414

$6,413

Progressive

$2,428

$3,775

Progressive

$2,430

$5,090

Travelers

$2,445

$6,380

Travelers

$2,544

$8,461

Auto-Owners Insurance Co

$2,557

$7,838

Auto-Owners Insurance Co

$2,573

$7,347

GEICO

$2,595

$6,796

Auto-Owners Insurance Co

$2,641

$10,841

Auto-Owners Insurance Co

$2,642

$9,815

GEICO

$2,731

$8,790

Progressive

$2,830

$6,958

GEICO

$2,837

$7,538

Progressive

$2,929

$5,994

GEICO

$2,929

$9,394

Progressive

$2,961

$14,550

Progressive

$3,134

$14,630

Progressive

$3,192

$8,063

Progressive

$3,252

$16,416

Progressive

$3,298

$6,909

Progressive

$3,387

$16,144

Progressive

$3,462

$17,010

Progressive

$3,711

$18,733

Auto insurance can be very expensive for teens. The most affordable option is joining a family policy, and teens under 18 cannot legally get auto insurance themselves without a parent or guardian to co-sign.

With a 16-year-old male in Nashville on a family policy, the cost is around $2,273 per year for full coverage, compared to roughly $5,163 per year if he purchases a separate policy. That’s equivalent to an annual savings of around $2,890 just by making simple, smart choices to purchase the cheapest auto insurance for teens.

Cheapest Car Insurance in Nashville for Military Drivers

The average cheapest car insurance companies for active-duty military members and veterans in Nashville are:

  • USAA: $553 per year
  • State Farm: $629 per year

These rates are for full coverage. For minimum coverage, the cheapest options are USAA and Auto-Owners, at around $221 and $244 per year, respectively.

Company
Annual Premium
Monthly Premium

USAA

$221

$18

USAA

$223

$19

Auto-Owners Insurance Co

$244

$20

Auto-Owners Insurance Co

$246

$21

State Farm

$253

$21

State Farm

$269

$22

USAA

$285

$24

Cincinnati Insurance

$300

$25

Erie

$317

$26

Erie

$319

$27

State Farm

$327

$27

Cincinnati Insurance

$351

$29

Auto-Owners Insurance Co

$353

$29

Westfield

$355

$30

Tennessee Farm Bureau

$358

$30

Grange Insurance

$368

$31

Grange Insurance

$371

$31

Tennessee Farm Bureau

$375

$31

Chubb

$386

$32

Westfield

$392

$33

Grange Insurance

$408

$34

Westfield

$418

$35

Chubb

$419

$35

Erie

$426

$36

Travelers

$430

$36

Cincinnati Insurance

$438

$37

GEICO

$439

$37

Farmers

$444

$37

Farmers

$465

$39

American National P&C

$471

$39

Travelers

$475

$40

Travelers

$480

$40

GEICO

$482

$40

Tennessee Farm Bureau

$506

$42

Nationwide

$513

$43

Progressive

$517

$43

Nationwide

$527

$44

USAA

$531

$44

American National P&C

$540

$45

Allstate

$544

$45

Farmers

$546

$46

Allstate

$551

$46

USAA

$553

$46

Progressive

$555

$46

GEICO

$558

$47

American National P&C

$563

$47

State Farm

$577

$48

Allstate

$586

$49

Nationwide

$597

$50

Auto-Owners Insurance Co

$601

$50

State Farm

$629

$52

Auto-Owners Insurance Co

$631

$53

Progressive

$690

$57

Chubb

$694

$58

Cincinnati Insurance

$698

$58

USAA

$707

$59

Erie

$763

$64

Erie

$767

$64

Nationwide

$805

$67

State Farm

$808

$67

Farmers

$813

$68

Grange Insurance

$816

$68

Westfield

$832

$69

Westfield

$838

$70

Farmers

$850

$71

Cincinnati Insurance

$860

$72

Nationwide

$871

$73

Travelers

$883

$74

Grange Insurance

$891

$74

Travelers

$899

$75

Auto-Owners Insurance Co

$911

$76

Tennessee Farm Bureau

$921

$77

Allstate

$922

$77

Chubb

$942

$79

GEICO

$963

$80

Allstate

$977

$81

GEICO

$986

$82

Grange Insurance

$991

$83

Allstate

$993

$83

Erie

$1,025

$85

Farmers

$1,028

$86

Nationwide

$1,033

$86

Travelers

$1,035

$86

Tennessee Farm Bureau

$1,045

$87

Westfield

$1,063

$89

Chubb

$1,065

$89

Cincinnati Insurance

$1,085

$90

American National P&C

$1,137

$95

American National P&C

$1,161

$97

Progressive

$1,232

$103

GEICO

$1,263

$105

Progressive

$1,351

$113

Tennessee Farm Bureau

$1,451

$121

American National P&C

$1,461

$122

Chubb

$1,561

$130

Progressive

$1,747

$146

How to Compare Cheap Nashville Car Insurance Quotes Online

The best way to find the most affordable car insurance is by comparing rates, but getting personalized quotes online in Nashville could take more than 15 minutes per company. Plus, you’ll need to provide a lot of personal information.

MoneyGeek’s car insurance calculator gives you a quick ballpark figure of your premium from multiple companies. You just need to provide your age, vehicle type, preferred coverage level and driving record to get reliable estimates.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Tennessee
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

USAA

Cheapest Car Insurance in Nashville for Young Adults

The average cheapest auto insurance companies for young adults with a full coverage policy in Nashville are:

  • State Farm: $808 per year
  • Auto-Owners: $911 per year

Progressive is the most expensive company in Nashville for young adults, at roughly $1,747 a year for full coverage.

Young adults pay less than teens but more than older drivers. We found that 25-year-old Nashville drivers pay around $251 more for full coverage car insurance than 40-year-old drivers.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$244

$20

Auto-Owners Insurance Co

$246

$21

State Farm

$253

$21

State Farm

$269

$22

Cincinnati Insurance

$300

$25

Erie

$317

$26

Erie

$319

$27

State Farm

$327

$27

Cincinnati Insurance

$351

$29

Auto-Owners Insurance Co

$353

$29

Westfield

$355

$30

Tennessee Farm Bureau

$358

$30

Grange Insurance

$368

$31

Grange Insurance

$371

$31

Tennessee Farm Bureau

$375

$31

Chubb

$386

$32

Westfield

$392

$33

Grange Insurance

$408

$34

Westfield

$418

$35

Chubb

$419

$35

Erie

$426

$36

Travelers

$430

$36

Cincinnati Insurance

$438

$37

GEICO

$439

$37

Farmers

$444

$37

Farmers

$465

$39

American National P&C

$471

$39

Travelers

$475

$40

Travelers

$480

$40

GEICO

$482

$40

Tennessee Farm Bureau

$506

$42

Nationwide

$513

$43

Progressive

$517

$43

Nationwide

$527

$44

American National P&C

$540

$45

Allstate

$544

$45

Farmers

$546

$46

Allstate

$551

$46

Progressive

$555

$46

GEICO

$558

$47

American National P&C

$563

$47

State Farm

$577

$48

Allstate

$586

$49

Nationwide

$597

$50

Auto-Owners Insurance Co

$601

$50

State Farm

$629

$52

Auto-Owners Insurance Co

$631

$53

Progressive

$690

$57

Chubb

$694

$58

Cincinnati Insurance

$698

$58

Erie

$763

$64

Erie

$767

$64

Nationwide

$805

$67

State Farm

$808

$67

Farmers

$813

$68

Grange Insurance

$816

$68

Westfield

$832

$69

Westfield

$838

$70

Farmers

$850

$71

Cincinnati Insurance

$860

$72

Nationwide

$871

$73

Travelers

$883

$74

Grange Insurance

$891

$74

Travelers

$899

$75

Auto-Owners Insurance Co

$911

$76

Tennessee Farm Bureau

$921

$77

Allstate

$922

$77

Chubb

$942

$79

GEICO

$963

$80

Allstate

$977

$81

GEICO

$986

$82

Grange Insurance

$991

$83

Allstate

$993

$83

Erie

$1,025

$85

Farmers

$1,028

$86

Nationwide

$1,033

$86

Travelers

$1,035

$86

Tennessee Farm Bureau

$1,045

$87

Westfield

$1,063

$89

Chubb

$1,065

$89

Cincinnati Insurance

$1,085

$90

American National P&C

$1,137

$95

American National P&C

$1,161

$97

Progressive

$1,232

$103

GEICO

$1,263

$105

Progressive

$1,351

$113

Tennessee Farm Bureau

$1,451

$121

American National P&C

$1,461

$122

Chubb

$1,561

$130

Progressive

$1,747

$146

Cheapest Car Insurance in Nashville for Seniors

The following companies have the average cheapest car insurance for seniors in Nashville with full coverage:

  • State Farm: $577 per year
  • Auto-Owners: $601 per year

Progressive is the most expensive for seniors in Nashville, with a full coverage policy costing roughly $1,232 per year.

MoneyGeek found that car insurance rates for older drivers in Nashville are slightly cheaper than for middle-aged drivers, which is not always the case nationwide. On average, 65-year-olds pay $869 per year, while 40-year-old drivers spend $913 for full coverage.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$244

$20

Auto-Owners Insurance Co

$246

$21

State Farm

$253

$21

State Farm

$269

$22

Cincinnati Insurance

$300

$25

Erie

$317

$26

Erie

$319

$27

State Farm

$327

$27

Cincinnati Insurance

$351

$29

Auto-Owners Insurance Co

$353

$29

Westfield

$355

$30

Tennessee Farm Bureau

$358

$30

Grange Insurance

$368

$31

Grange Insurance

$371

$31

Tennessee Farm Bureau

$375

$31

Chubb

$386

$32

Westfield

$392

$33

Grange Insurance

$408

$34

Westfield

$418

$35

Chubb

$419

$35

Erie

$426

$36

Travelers

$430

$36

Cincinnati Insurance

$438

$37

GEICO

$439

$37

Farmers

$444

$37

Farmers

$465

$39

American National P&C

$471

$39

Travelers

$475

$40

Travelers

$480

$40

GEICO

$482

$40

Tennessee Farm Bureau

$506

$42

Nationwide

$513

$43

Progressive

$517

$43

Nationwide

$527

$44

American National P&C

$540

$45

Allstate

$544

$45

Farmers

$546

$46

Allstate

$551

$46

Progressive

$555

$46

GEICO

$558

$47

American National P&C

$563

$47

State Farm

$577

$48

Allstate

$586

$49

Nationwide

$597

$50

Auto-Owners Insurance Co

$601

$50

State Farm

$629

$52

Auto-Owners Insurance Co

$631

$53

Progressive

$690

$57

Chubb

$694

$58

Cincinnati Insurance

$698

$58

Erie

$763

$64

Erie

$767

$64

Nationwide

$805

$67

State Farm

$808

$67

Farmers

$813

$68

Grange Insurance

$816

$68

Westfield

$832

$69

Westfield

$838

$70

Farmers

$850

$71

Cincinnati Insurance

$860

$72

Nationwide

$871

$73

Travelers

$883

$74

Grange Insurance

$891

$74

Travelers

$899

$75

Auto-Owners Insurance Co

$911

$76

Tennessee Farm Bureau

$921

$77

Allstate

$922

$77

Chubb

$942

$79

GEICO

$963

$80

Allstate

$977

$81

GEICO

$986

$82

Grange Insurance

$991

$83

Allstate

$993

$83

Erie

$1,025

$85

Farmers

$1,028

$86

Nationwide

$1,033

$86

Travelers

$1,035

$86

Tennessee Farm Bureau

$1,045

$87

Westfield

$1,063

$89

Chubb

$1,065

$89

Cincinnati Insurance

$1,085

$90

American National P&C

$1,137

$95

American National P&C

$1,161

$97

Progressive

$1,232

$103

GEICO

$1,263

$105

Progressive

$1,351

$113

Tennessee Farm Bureau

$1,451

$121

American National P&C

$1,461

$122

Chubb

$1,561

$130

Progressive

$1,747

$146

Cheapest Car Insurance in Nashville for Poor Credit

Drivers with a poor credit history will find the average cheapest full coverage car insurance in Nashville from the following companies:

  • Nationwide: $1,039 per year
  • Grange: $1,125 per year

Progressive has the most expensive annual rate for full coverage at $2,220 for poor credit Nashville drivers.

Nashville drivers with bad credit pay around $630 more per year for full coverage auto insurance than those with good credit. That is nearly a 69% increase in the annual premium.

If you’re concerned about your credit score driving up your auto insurance rate, know that there are ways to get cheap auto insurance with bad credit.

Company
Annual Premium
Monthly Premium

Tennessee Farm Bureau

$412

$34

Tennessee Farm Bureau

$432

$36

Grange Insurance

$470

$39

Grange Insurance

$471

$39

Cincinnati Insurance

$507

$42

Grange Insurance

$512

$43

Nationwide

$564

$47

Tennessee Farm Bureau

$583

$49

Nationwide

$583

$49

Cincinnati Insurance

$598

$50

Farmers

$640

$53

GEICO

$641

$53

Erie

$649

$54

Erie

$652

$54

Chubb

$662

$55

Westfield

$663

$55

Farmers

$671

$56

Auto-Owners Insurance Co

$674

$56

Auto-Owners Insurance Co

$679

$57

Nationwide

$681

$57

Travelers

$699

$58

GEICO

$710

$59

American National P&C

$719

$60

Chubb

$722

$60

Allstate

$731

$61

Westfield

$732

$61

Cincinnati Insurance

$741

$62

Allstate

$742

$62

Travelers

$769

$64

Travelers

$780

$65

Westfield

$780

$65

Farmers

$788

$66

Progressive

$803

$67

Allstate

$803

$67

State Farm

$806

$67

American National P&C

$827

$69

GEICO

$829

$69

State Farm

$856

$71

American National P&C

$863

$72

Progressive

$867

$72

Erie

$871

$73

Nationwide

$945

$79

Auto-Owners Insurance Co

$972

$81

Grange Insurance

$1,023

$85

Nationwide

$1,039

$87

State Farm

$1,044

$87

Tennessee Farm Bureau

$1,065

$89

Progressive

$1,073

$89

Grange Insurance

$1,125

$94

Cincinnati Insurance

$1,145

$95

Tennessee Farm Bureau

$1,209

$101

Chubb

$1,228

$102

Farmers

$1,255

$105

Grange Insurance

$1,260

$105

Nationwide

$1,267

$106

Farmers

$1,306

$109

Allstate

$1,401

$117

Cincinnati Insurance

$1,421

$118

GEICO

$1,469

$122

Travelers

$1,476

$123

Allstate

$1,496

$125

GEICO

$1,506

$126

Westfield

$1,517

$126

Allstate

$1,526

$127

Westfield

$1,531

$128

Travelers

$1,535

$128

Farmers

$1,581

$132

Auto-Owners Insurance Co

$1,600

$133

Chubb

$1,607

$134

Tennessee Farm Bureau

$1,676

$140

Auto-Owners Insurance Co

$1,677

$140

Erie

$1,692

$141

Erie

$1,704

$142

Travelers

$1,731

$144

American National P&C

$1,738

$145

American National P&C

$1,777

$148

Cincinnati Insurance

$1,779

$148

Chubb

$1,830

$153

State Farm

$1,842

$154

Westfield

$1,927

$161

GEICO

$1,943

$162

State Farm

$2,007

$167

Progressive

$2,019

$168

Progressive

$2,220

$185

American National P&C

$2,234

$186

Erie

$2,277

$190

Auto-Owners Insurance Co

$2,422

$202

State Farm

$2,577

$215

Chubb

$2,739

$228

Progressive

$2,876

$240

Insurers may think that drivers with poor credit or a low credit-based insurance score are more likely to file claims than those with good credit, and this leads insurance providers to charge a higher rate.

To keep your premium affordable, search for providers that offer lots of discounts that you qualify for, such as for bundling policies, being a safe driver or having airbags or anti-lock brakes in your car. You should also make sure to shop around for quotes and try to increase your credit score, such as by making on-time payments.

Cheapest Car Insurance in Nashville for Sports Cars

The following companies offer the average cheapest car insurance for sports car drivers with full coverage in Nashville:

  • Auto-Owners: $648 per year
  • State Farm: $780 per year

Progressive has the highest average annual rate for full coverage with a sports car in Nashville at $1,609.

Insurers do consider the type of car you drive when calculating your premium. On average, Nashville drivers with a standard Toyota Camry pay $913 per year for full coverage auto insurance. This rate increases by about 10% or $89 a year if you drive a Ford Mustang.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$244

$20

Auto-Owners Insurance Co

$246

$20

State Farm

$277

$23

State Farm

$295

$25

Farmers

$346

$29

Auto-Owners Insurance Co

$352

$29

State Farm

$360

$30

GEICO

$361

$30

Farmers

$363

$30

Travelers

$385

$32

GEICO

$394

$33

Travelers

$424

$35

Farmers

$425

$35

Chubb

$425

$35

Travelers

$428

$36

GEICO

$452

$38

Chubb

$462

$38

Progressive

$471

$39

Allstate

$490

$41

Allstate

$495

$41

Nationwide

$519

$43

Allstate

$524

$44

Progressive

$525

$44

Nationwide

$533

$44

Nationwide

$605

$50

Auto-Owners Insurance Co

$618

$52

Auto-Owners Insurance Co

$648

$54

Progressive

$669

$56

State Farm

$716

$60

Farmers

$738

$62

Chubb

$769

$64

State Farm

$780

$65

Farmers

$792

$66

Travelers

$865

$72

Travelers

$871

$73

Nationwide

$932

$78

Auto-Owners Insurance Co

$939

$78

Allstate

$940

$78

Farmers

$954

$80

Allstate

$982

$82

State Farm

$1,015

$85

Nationwide

$1,020

$85

Travelers

$1,022

$85

Allstate

$1,027

$86

GEICO

$1,080

$90

Chubb

$1,106

$92

GEICO

$1,109

$92

Nationwide

$1,219

$102

Chubb

$1,254

$105

Progressive

$1,363

$114

GEICO

$1,460

$122

Progressive

$1,609

$134

Chubb

$1,839

$153

Progressive

$2,186

$182

MoneyGeek gathered quotes for a Ford Mustang to get an idea of how much car insurance is with a sports car in Nashville. Sport, luxury and electric vehicles tend to be more expensive to insure. We found the same in Nashville, although the premium may vary by make and model.

Average Cost of Car Insurance in Nashville

The average cost of auto insurance in Nashville is $913 per year for a full coverage policy with liability limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident.

Full coverage car insurance in Nashville is more expensive yearly compared to the average cost of car insurance in Tennessee by around $14, but it is roughly $352 cheaper than the national average of $1,265 per year.

In other Tennessee cities, car insurance is less than in Nashville. For example, Knoxville is around $838 yearly, and Chattanooga is roughly $858 per year.

Keep in mind that several factors affect your actual rate, and location is only one of them.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Knoxville

$838

$365

Murfreesboro

$841

$368

Clarksville

$853

$373

Chattanooga

$858

$379

Nashville-Davidson

$913

$407

Memphis

$1,105

$496

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.