Who Has The Cheapest Auto Insurance Quotes in Nashville, TN?

We reviewed the top insurance companies in Nashville and found that State Farm has the best price for minimum coverage car indemnity. Its annual rate of $ 434 per class was 28 % cheaper than the average monetary value citywide .
state of matter Farm besides offered the best prices for wide coverage insurance in Nashville, with a distinctive price of fair $ 1,352 per class .
Nashville ‘s cost of car policy is slightly higher than median in Tennessee, with an overall average cost for full coverage of $ 1,983. That ‘s about 6 % more than the statewide modal, though cheaper than Memphis, the most expensive city for cable car indemnity in the state .
The single best way to get low-cost car policy is to compare prices from multiple insurers. not every driver will find the best rates at the lapp company.

Cheapest auto insurance in Nashville: State Farm

State Farm, Geico and Erie Insurance are the most low-cost cable car indemnity companies in Nashville. Each offered annual prices below $ 500 per year .
State Farm is our lead pick, as its low-cost rate of $ 434 annually is less than half the price of the most expensive insurance company, Nationwide. The average across all insurers is $ 602 annually .
The one brassy insurance company for minimal coverage in Nashville is USAA, with a price of precisely $ 395 per class ; however, only people affiliated with the military and their families are eligible to buy insurance from USAA .
Cheapest car insurance companies in Nashville, Tennessee

Compare Car Insurance Rates in Nashville

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Cheapest full coverage car insurance in Nashville: State Farm

State Farm had big rates for full coverage in Nashville, besides. We found a typical price of $ 1,352 per year — that ‘s $ 152 less expensive than our second-place pick and $ 631 cheaper than the average in Nashville .

Rank

Company

Annual rate

1 State Farm $1,352
2 Geico $1,504
3 Tennessee Farmers Mutual $1,969
4 Nationwide $2,128
5 Progressive $2,320
6 Erie Insurance $2,460
7 Allstate $3,109
N/A* USAA $1,023

Drivers insured with a full moon coverage policy include all state-required coverages, like liability for bodily injury and property damage, plus comprehensive and collision coverage, which pay to repair damage to your vehicle .

  • Comprehensive coverage pays to repair damage to your car from damage other than a collision, such as hail or vandalism. It also covers theft.
  • Collision coverage pays to fix damage to your car as a result of a crash, regardless of whether or not you were at fault.

Full coverage policy is n’t required by law, but it ‘s often a condition of getting a lease or loanword, so you may need to get it in order to qualify for finance .

Cheap car insurance for drivers with prior incidents

Drivers with holocene accidents, speeding tickets or DUIs often face higher prices for cable car policy, as they ‘re deemed more likely to get in a crash in the future. That makes it even more important to shop around for low-cost rates .

Cheapest car insurance in Nashville after an accident: State Farm

We found that State Farm has the best prices for car insurance after an at-fault accident, with an average price of $ 1,615 per year for a 30-year-old driver. That ‘s an increase of $ 263 per year for a crash — a lot less than all the other insurers we looked at .

Rank

Company

Annual rate

1 State Farm $1,615
2 Tennessee Farmers Mutual $1,969
3 Geico $2,376
4 Nationwide $3,114
5 Erie Insurance $3,372
6 Progressive $3,579
7 Allstate $4,603
N/A* USAA $1,455

Cheapest car insurance for people with a speeding ticket: State Farm

Drivers who are caught speeding much see higher rates after the ticket appears on their record, as insurers have found tell that bad driving leads to crashes and claims more frequently .
State Farm has the best prices for drivers with speeding tickets in Nashville. It lone raised rates by about 10 % .

Rank

Company

Annual rate

1 State Farm $1,483
2 Geico $1,504
3 Tennessee Farmers Mutual $1,969
4 Nationwide $2,626
5 Erie Insurance $2,697
6 Progressive $2,991
7 Allstate $3,526
N/A* USAA $1,226

Cheapest car insurance for drivers with a DUI: State Farm

Drivers who ‘ve been convicted of driving while under the influence frequently see big spikes in their policy bills. We found that rates increase by 61 % on median, but some insurers are n’t so punitive .
State Farm’s prices increased to good $ 1,483, a modest increase of only $ 131 per year .

Rank

Company

Annual rate

1 State Farm $1,483
2 Progressive $2,539
3 Tennessee Farmers Mutual $3,141
4 Nationwide $3,954
5 Erie Insurance $4,047
6 Geico $4,056
7 Allstate $4,384
N/A* USAA $1,979

Cheapest car insurance for married drivers: State Farm

insurance companies much provide discounts to married drivers because they tend to take fewer risks on the road.

In Nashville, we found that State Farm had the best rates for our married sample driver. While it did n’t offer a deduction from its standard price of $ 1,352 per year, its low base rates kept it in the top touch for affordability. note that these rates do n’t factor in multi-car or multi-driver discounts, which are likely to lower married drivers ‘ rates even further .

Rank

Company

Annual rate

1 State Farm $1,352
2 GEICO $1,432
3 Progressive $1,713
4 Tennessee Farmers Mutual $1,759
5 Nationwide $2,046
6 Erie Insurance $2,327
7 Allstate $3,083
N/A* USAA $889

Cheapest car insurance for young drivers: Erie Insurance

Younger drivers tend to see some of the highest car insurance rates of anyone on the road, making shop for the best monetary value even more authoritative .
We found that Erie Insurance offered the best modal rate to most drivers, with a typical price of $ 1,039 per year for minimum coverage. That ‘s 31 % cheaper than the second-most low-cost option, State Farm .

Rank

Company

Annual rate

1 Erie Insurance $1,039
2 State Farm $1,492
3 Geico $1,919
4 Tennessee Farmers Mutual $2,038
5 Allstate $2,284
6 Progressive $4,449
7 Nationwide $4,578
N/A* USAA $1,168

Best auto insurance companies in Nashville, Tennessee

We found that among national insurers available in Nashville, USAA, Nationwide and State Farm were the ones that had the best follow-up among customers .
See our fully review of Tennessee Insurance companies for more data on the best insurers in the state .

Average car insurance cost in Nashville, by ZIP code

One gene that impacts how much you ‘ll pay for cable car policy is where you live. We found that the neighborhood in Nashville you live in can impact your car insurance rates by about $ 100 per year for a wide coverage policy .

ZIP code

Full coverage

Minimum coverage

37027 $1,935 $589
37072 $1,948 $589
37080 $2,020 $587
37201 $1,985 $599
37203 $1,956 $594

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Auto theft statistics in Nashville

We found that an average of 6.2 cars were stolen per 1,000 residents in Nashville in 2019. Though Nashville is the largest city in Tennessee, it has fewer thefts per head than Chattanooga, Memphis or Knoxville. It ‘s rank fourth among the five biggest cities in Tennessee .

Rank

City

Population

Motor vehicle theft

Motor vehicle theft per 1,000 residents

1 Chattanooga 181,848 1,314 7.23
2 Memphis 650,410 4,046 6.22
3 Knoxville 188,666 983 5.21
4 Nashville 687,361 2,748 4.00
5 Clarksville 159,996 467 2.92

Minimum car insurance requirements in Nashville, Tennessee

To legally drive in Nashville, as in all of Tennessee, you are required to hold the minimum needed come of car policy. Tennessee ‘s limits are fairly low, only mandating that drivers have the liability assign of a policy. Below you can see the full dislocation :

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per accident
  • $15,000 of property damage liability

The minimums in Tennessee are higher than those in a handful of other states, but however, the limits are excessively little to adequately cover most drivers. We would recommend most drivers get liability limits that reflect the value of their assets .

Methodology

We collected data from eight of the largest insurers in Tennessee. Our main sample driver was a 30-year-old serviceman who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit rating and received rates for a minimum coverage policy .

Coverage type

Tennessee minimum

Study limits

Bodily Injury liability (BI) $25,000 per person/ $50,000 per accident $50,000 per person/ $100,000 per accident
Property damage (PD) $15,000 per accident $50,000 per accident
Uninsured/underinsured motorist BI None $50,000 per person/ $100,000 per accident
Uninsured/underinsured motorist PD None $50,000 per accident
Personal injury protection None None
Comprehensive and collision None $500 deductible

ValuePenguin ‘s psychoanalysis used policy rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for relative purposes lone. Your own quotes may be different .

Sources:

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