Nashville is home to over 600,000 residents, many in need of affordable auto insurance. While rates in Nashville tend to fall around the Tennessee state average, by comparison shopping drivers can end up savings hundreds every year. We analyzed 14 auto insurers in the Music City to see who had the least expensive rates. When your done reading, put in your zip code up top to get your own car insurance quotes.
Cheapest Car Insurance Companies Nashville, Tennessee
After we looked at 14 car insurance companies in Nasvhille, we calculated that Utica National had the lowest costing rates for our sample driver. Our 30 year old male driver had an average rate of $708 at Utica National which was about $500 less than the Nashville average. Utica National was the least expensive by a good amount, and the second best car insurance rates were at The Cincinnati ($864 per year for our Nashville motorist).
Find the Cheapest Auto Insurance Quotes in Your Area
Your car insurance quotes will have different values depending on your background. Our sample driver was a 30 year old male of a Toyota Camry, with a clean driving record. Those with accidents will have much higher rates, women will likely have lower rates, and if you're under 25 your rates will also be much higher. To know which company is cheapest for you, you will need to compare your own auto insurance quotes. Start by putting in your zip code in the box above. Below you can our analysis for all 14 auto insurers surveyed.
|Rank||Auto Insurance Company||Average Annual Rate|
|8||Tennessee Farm Bureau||$1,140|
Cost of Car Insurance in Nashville: by Neighborhood
We found car insurance prices did not adjust by a large degree between different neighborhoods in Nasvhille. We took a look at six well-known neighborhoods in the Music City and found rates fluctuated by around $50 depending on where you were, based on our 30 year old man.
|Neighborhood||Average Annual Car Insurance Rate|
As with any average car insurance price, you should remember the most important thing is to shop around and compare multiple quotes. In any area, even the most expensive, there is affordable auto insurance to be had.
Best Auto Insurance Companies in Nashville
Tennessee Farm Bureau was the best car insurance company to turn to when it came to customer interaction, billing practices and flexibility of policies offered, according to the 2016 J.D. Power Study of southern auto insurance companies. In Nashville, we found Tennessee Farm Bureau to be a middle of the road option in terms of expensiveness. With an average rate of $1,140, it was still below the city average, but over $400 more expensive per year than Utica National for our sample driver. As well, to be a customer of the Farm Bureau you need to pay membership dues which are $25 per year for Nashville (and other Tennessee drivers). If you do not mind paying extra, then the Tennessee Farm Bureau may be best if you prioritize a good customer experience. Below we list a few other companies however that will be better for other types of drivers.
|Auto Insurance Company||Best For...|
|Tennessee Farm Bureau||Customer interaction, Billing, Policy types|
|Speed and convenience|
GEICO is fast and convenient because you can purchase your quote online without ever needing to see or speak to an agent. GEICO is often times the cheapest option in any given city, in Nashville, however it ranked with the 4th best auto insurance rates. GEICO scores middle of the pack as well when it comes to dealing with customers according to the same J.D. Power study we cite above. If you want the most painless car insurance buying process, then GEICO should be your company.
Finally, USAA, has the best military car insurance. It's an insurer we typically recommend for those who qualify, which consists of military members and their families - such as staff the Tennessee Army National Guard in Nashville. USAA is highly regarded by customers and respondents to the J.D. Power survey, placing just behind Tennessee Farm Bureau as the best car insurer in the south. USAA offers a 15% discount on comprehensive coverage when you park your car at a military base. For those who may be deployed, USAA also offers large discounts for those who safely store their cars while overseas.
Fatal Accidents in Nashville
Between 2011 and 2015 there were 292 fatal car accidents in Nashville--115 less than Memphis. The Music City accounted for about 13% of all fatal accidents that happened in the state of Tennessee within those years.
Most Dangerous Roads in Nashville
Nashville and Memphis share I-40 being one of the most dangerous roads in both cities. The major interstate accounted for about 9% of all fatal accidents in the city.
|Rank||Highway||Number of Fatal Accidents (2011 - 2015)||Percent That Involve Drunk Driver|
|4||US-31A/41A SR-11 NOLENSVILLE P||8||0%|
|5||US-41/70S SR-1 MURFREESBORO RD||8||25.0%|
Around 25% of fatal car accidents in Nashville had a drunk driver involved between 2011 and 2015, which was higher than the 17% in Memphis.
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 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
Tennessee are higher than a handful of other states' minimum requirements, 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. Tennessee also has the 6th highest prevalence of uninsured drivers according to the Insurance Information Institute. We would also recommend uninsured motorist coverage if you can afford it--though it usually shouldn't cost more than $50 per year at most. You should also have collision and comprehensive insurance if your car is less than 10 years old and worth more than $3,000.
How We Compared Quotes
We collected quotes from different insurance companies across 44 towns and cities in Tennessee. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Tennessee. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
|Coverage Type||Tennessee Minimum||Study Limits|
|Body Liability||$25,000 per person/ $50,000 per accident||$50,000 per person/ $100,000 Per Accident|
|Property Damage||$50,000 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|
Fatal car accident and DUI data: FARS 2011 to 2015.