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

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

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

We reviewed the top insurance companies in Nashville and found that State Farm has the best price for minimum coverage car insurance. Its annual rate of $434 per year was 28% cheaper than the average price citywide.

State Farm also offered the best prices for full coverage insurance in Nashville, with a typical price of just $1,352 per year.

Nashville's cost of car insurance is slightly higher than average in Tennessee, with an overall average cost for full coverage of $1,983. That's about 6% more than the statewide average, though cheaper than Memphis, the most expensive city for car insurance in the state.

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#Nashville-cheapest-companies","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#full-coverage","linkText":"Cheapest for full coverage"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#incidents","linkText":"Cheapest for accident history"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/erie-3","link":"#young","linkText":"Cheapest for young drivers"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#Nashville-cheapest-companies","linkText":"Cheapest for minimum liability"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#full-coverage","linkText":"Cheapest for full coverage"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#incidents","linkText":"Cheapest for prior incidents"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/allstate-3","link":"#young","linkText":"Cheapest for young drivers"}

The single best way to get affordable car insurance is to compare prices from multiple insurers. Not every driver will find the best rates at the same company.

Cheapest auto insurance in Nashville: State Farm

State Farm, Geico and Erie Insurance are the most affordable car insurance companies in Nashville. Each offered annual prices below $500 per year. State Farm is our top pick, as its affordable rate of $434 annually is less than half the price of the most expensive insurer, Nationwide. The average across all insurers is $602 annually.

The single cheapest insurer for minimum coverage in Nashville is USAA, with a price of just $395 per year; however, only people affiliated with the military and their families are eligible to buy insurance from USAA.

Compare Car Insurance Rates in Nashville, TN

Currently insured?
Rank
Company
Annual rate
1State Farm$434
2Geico$483
3Erie Insurance$485
4Tennessee Farmers Mutual$606
5Progressive$652
6Allstate$692
7Nationwide$1,066
N/A*USAA$395

*USAA is only available to current and former military members and their families.

{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Rank","Company","Annual rate"],["1","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm insurance review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E","$434"],["2","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Geico insurance review\" href=\"https:\/\/www.valuepenguin.com\/geico-insurance-review\"\u003EGeico\u003C\/a\u003E\u003C\/span\u003E","$483"],["3","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Erie insurance review\" href=\"https:\/\/www.valuepenguin.com\/erie-insurance-review\"\u003EErie Insurance\u003C\/a\u003E\u003C\/span\u003E","$485"],["4","Tennessee Farmers Mutual","$606"],["5","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Progressive insurance review\" href=\"https:\/\/www.valuepenguin.com\/progressive-insurance-review\"\u003EProgressive\u003C\/a\u003E\u003C\/span\u003E","$652"],["6","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Allstate insurance review\" href=\"https:\/\/www.valuepenguin.com\/allstate-auto-insurance-review\"\u003EAllstate\u003C\/a\u003E\u003C\/span\u003E","$692"],["7","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Nationwide insurance review\" href=\"https:\/\/www.valuepenguin.com\/nationwide-insurance-review\"\u003ENationwide\u003C\/a\u003E\u003C\/span\u003E","$1,066"],["N\/A*","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA insurance review\" href=\"https:\/\/www.valuepenguin.com\/usaa-insurance-review\"\u003EUSAA\u003C\/a\u003E\u003C\/span\u003E","$395"]],"footnote":"*USAA is only available to current and former military members and their families.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Cheapest full coverage car insurance in Nashville: State Farm

State Farm had excellent prices for full coverage in Nashville, too. 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
1State Farm$1,352
2Geico$1,504
3Tennessee Farmers Mutual$1,969
4Nationwide$2,128
5Progressive$2,320
6Erie Insurance$2,460
7Allstate$3,109
N/A*USAA$1,023

*USAA is only available to current and former military members and their families.

{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"*USAA is only available to current and former military members and their families.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Drivers insured with a full 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 insurance isn't required by law, but it's often a condition of getting a lease or loan, so you may need to get it in order to qualify for financing.

Cheap car insurance for drivers with prior incidents

Drivers with recent accidents, speeding tickets or DUIs often face higher prices for car insurance, as they're deemed more likely to get in a crash in the future. That makes it even more important to shop around for affordable 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 — much less than all the other insurers we looked at.

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

*USAA is only available to current and former military members and their families.

{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"*USAA is only available to current and former military members and their families.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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

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

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

*USAA is only available to current and former military members and their families.

{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"*USAA is only available to current and former military members and their families.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Cheapest car insurance for drivers with a DUI: State Farm

Drivers who've been convicted of driving while under the influence often see big spikes in their insurance bills. We found that rates increase by 61% on average, but some insurers aren't so punitive. State Farm's prices increased to just $1,483, a modest increase of only $131 per year.

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

*USAA is only available to current and former military members and their families.

{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"*USAA is only available to current and former military members and their families.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Cheapest car insurance for married drivers: State Farm

Insurance companies often 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 didn't offer a discount from its standard price of $1,352 per year, its low base rates kept it in the top spot for affordability.

Note that these rates don't factor in multi-car or multi-driver discounts, which are likely to lower married drivers' rates even further.

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

*USAA is only available to current and former military members and their families.

{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"*USAA is only available to current and former military members and their families.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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 shopping for the best price even more important. We found that State Farm offered the best average rate to most drivers, with a typical price of $1,039 per year for minimum coverage. That's 31% cheaper than the second-most affordable option, State Farm.

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

*USAA is only available to current and former military members and their families.

{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"*USAA is only available to current and former military members and their families.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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 reviews among customers.

See our full review of Tennessee Insurance companies for more information on the best insurers in the state.

Average car insurance cost in Nashville, by ZIP code

One factor that impacts how much you'll pay for car insurance 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 full 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
37204$1,970$604
37205$1,940$589
37206$2,018$606
37207$2,012$609
37208$2,023$608
37209$1,962$592
37210$1,962$596
Show All Rows
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"],["37204","$1,970","$604"],["37205","$1,940","$589"],["37206","$2,018","$606"],["37207","$2,012","$609"],["37208","$2,023","$608"],["37209","$1,962","$592"],["37210","$1,962","$596"],["37211","$2,024","$626"],["37212","$1,919","$578"],["37213","$1,943","$592"],["37214","$2,020","$616"],["37215","$1,985","$598"],["37216","$1,958","$589"],["37217","$2,049","$623"],["37218","$1,922","$580"],["37219","$1,993","$606"],["37220","$1,975","$602"],["37221","$1,958","$591"],["37228","$1,996","$606"],["37235","$1,987","$604"],["37238","$2,000","$609"],["37240","$1,960","$591"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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 capita than Chattanooga, Memphis or Knoxville. It's ranked fourth among the five biggest cities in Tennessee.

Rank
City
Population
Motor vehicle theft
Motor vehicle theft per 1,000 residents
1Chattanooga181,8481,3147.23
2Memphis650,4104,0466.22
3Knoxville188,6669835.21
4Nashville687,3612,7484.00
5Clarksville159,9964672.92

Motor vehicle theft data was pulled from the FBI 2019 Tennessee Crime Report.

{"alignsHorizontal":["left","left","right","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"Motor vehicle theft data was pulled from the FBI 2019 Tennessee Crime Report.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Minimum car insurance requirements in Nashville, Tennessee

To legally drive in Nashville, as in all of Tennessee, you are required to hold the minimum required amount of car insurance. Tennessee's limits are fairly low, only mandating that drivers have the liability portion of a policy. Below you can see the full breakdown:

  • $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 nonetheless, the limits are too small 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 man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit 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 BINone$50,000 per person/ $100,000 per accident
Uninsured/underinsured motorist PDNone$50,000 per accident
Personal injury protectionNoneNone
Comprehensive and collisionNone$500 deductible
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["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"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.

Sources:

Matt is a Technical Writer at ValuePenguin who works on distilling the complex details of insurance into accessible advice. He previously created educational content at Grovo Learning and MarketSmiths Content Strategists. Matt's consumer-focused analysis of insurance has appeared in publications like CNBC, Yahoo Finance and the Miami Herald.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.