Who Has The Cheapest Auto Insurance Quotes in Nashville, TN?
State Farm has the cheapest car insurance in Nashville, at $131 per month for full coverage and $52 per month for liability-only coverage.
Compare Car Insurance Rates in Nashville, TN
Best cheap auto insurance in Nashville, TN
How we chose the top companies
Best and cheapest car insurance in Nashville
- Cheapest full coverage: State Farm, $131/mo
- Cheapest minimum liability: State Farm, $52/mo
- Cheapest for young drivers: Erie, $124/mo
- Cheapest after a ticket: State Farm, $143/mo
- Cheapest after an accident: State Farm, $155/mo
- Cheapest for teens after a ticket: Erie, $145/mo
- Cheapest after a DUI: Erie, $227/mo
- Cheapest for poor credit: Farmers, $258/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm has the best car insurance for most people in Nashville. It offers reliable customer service at an affordable rate.
Nashville drivers should also compare rates from Erie. It has the best customer service for most people in Tennessee. However, it's typically a little more expensive than State Farm.
Cheapest Nashville auto insurance: State Farm
State Farm has the cheapest full coverage car insurance in Nashville.
Full coverage from State Farm costs $131 per month, which is $37 per month less than the citywide average.
Drivers with military ties can get even cheaper insurance at USAA, where a full coverage policy costs around $86 per month. You can only get USAA insurance if you've served in the military or you have a family member who's had insurance from USAA at some point in their lives.
Find Cheap Auto Insurance Quotes in Nashville
The average cost of car insurance in Nashville is $169 per month for a full coverage policy. That's $12 per month more than the Tennessee state average.
Cheapest full coverage auto insurance companies in Nashville
Company | Monthly rate | |
|---|---|---|
| State Farm | $131 |
| Erie | $135 |
| Geico | $173 |
| Farmers | $186 |
| Allstate | $229 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only insurance in Nashville: State Farm
State Farm has the cheapest minimum liability car insurance in Nashville, at $52 per month.
That's $13 per month less than the Nashville average.
You should also compare rates from Erie, which costs only $1 per month more than State Farm, on average. Erie's excellent customer service makes it a great choice for most Nashville drivers.
Best cheap car insurance in Nashville, TN
Company | Monthly rate |
|---|---|
| State Farm | $52 |
| Erie | $53 |
| Farmers | $66 |
| Geico | $78 |
| Progressive | $81 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Nashville
USAA's rates are even cheaper, at just $30 per month. However, you can only buy coverage from USAA if you're affiliated with the military.
Cheapest Nashville car insurance for teens: Erie
Erie has the most affordable car insurance for most teens in Nashville.
A minimum liability policy from Erie costs around $124 per month for an 18-year-old. That's $98 per month less than the citywide average.
Erie also has the cheapest full coverage quotes for teens. At $309 per month, full coverage from Erie costs $242 per month less than the Nashville average.
Cheap car insurance quotes for Nashville teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $124 | $309 |
| Geico | $166 | $350 |
| State Farm | $177 | $407 |
| Farmers | $274 | $664 |
| Allstate | $360 | $863 |
*USAA is only available to current and former military members and their families.
Young drivers in Nashville pay more than three times as much for car insurance as a 30-year-old driver. Younger drivers typically pay much higher rates for car insurance because they have less experience behind the wheel and are more likely to take risks on the road.
The best way for Nashville teens to find cheaper insurance rates is by sharing a policy with their parents. A family policy is almost always cheaper than two separate policies, and most drivers under 18 can't buy their own car insurance policies.
In addition, many car insurance companies have discounts geared towards young drivers. For example, Erie offers a discount to young drivers who still live with their parents and those who earn a 3.0 GPA or higher in school.
Cheapest Nashville insurance after a speeding ticket: State Farm
State Farm has the best rates in Nashville for drivers with speeding tickets. At $143 per month, full coverage from State Farm costs $62 per month less than the citywide average after one ticket.
Cheap car insurance quotes in Nashville, TN after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $143 |
| Erie | $148 |
| Farmers | $224 |
| Geico | $237 |
| Allstate | $290 |
*USAA is only available to current and former military members and their families.
Car insurance rates in Nashville go up by around 22% after one speeding ticket. That's an average increase of $37 per month for a full coverage policy. Rates go up after a speeding ticket because insurance companies believe people with recent speeding tickets are more likely to file claims in the future.
Cheap car insurance in Nashville after an accident: State Farm
State Farm has the most affordable full coverage insurance in Nashville after an at-fault accident, at $155 per month. That's $84 per month cheaper per month than the city average and $32 per month less than the second-cheapest option, Erie.
Cheapest car insurance companies in Nashville after a crash
Company | Monthly rate |
|---|---|
| State Farm | $155 |
| Erie | $187 |
| Farmers | $227 |
| Geico | $261 |
| Progressive | $326 |
*USAA is only available to current and former military members and their families.
Nashville car insurance rates go up by an average of 41% after an at-fault accident.
Don't rush to switch insurance companies right after an accident. Your current rates won't go up until your policy renews. However, any quotes you get now will factor in your accident, so they'll probably be more expensive than your current rate.
Instead, wait until your insurance company sends you a renewal notice a few weeks to a month before your policy expires. Then, shop for quotes from multiple companies to find the best policy for you.
Cheapest Nashville insurance for teens with a bad driving record: Erie
Erie has the most affordable car insurance quotes in Nashville for teens with a speeding ticket or accident on their record.
After a speeding ticket, minimum liability insurance from Erie costs around $145 per month for an 18-year-old driver. That's $111 per month less than the citywide average.
Teens with an accident on their record pay around $164 per month for minimum coverage from Erie, which is $115 per month less than the Nashville average.
Teens with military ties can get even cheaper rates from USAA. A minimum liability policy from USAA costs $97 per month after a ticket and $105 per month after a crash.
Best cheap insurance companies in Nashville, TN for teens with a bad record
Company | Ticket | Accident |
|---|---|---|
| Erie | $145 | $164 |
| State Farm | $197 | $217 |
| Geico | $200 | $225 |
| Farmers | $316 | $327 |
| Progressive | $350 | $353 |
*USAA is only available to current and former military members and their families.
Nashville teens pay an average of 15% more for car insurance after one speeding ticket, and 26% more after an accident, than teens with a clean driving record. That's a smaller increase than older drivers typically see because teen drivers pay much higher rates to begin with.
Best cheap car insurance in Nashville after a DUI: Erie
Erie has the most affordable car insurance rates in Nashville after a DUI. At $227 per month, a full coverage policy from Erie costs $29 per month less than the Nashville average.
Cheap auto insurance in Nashville, TN after a DUI
Company | Monthly rate |
|---|---|
| Erie | $227 |
| Progressive | $264 |
| Farmers | $272 |
| State Farm | $278 |
| Geico | $279 |
*USAA is only available to current and former military members and their families.
Car insurance quotes go up by around 51% in Nashville after a single DUI.
In addition, Tennessee drivers may need SR-22 insurance after a DUI.
Most companies charge between $15 to $50 to file an SR-22 form for you, in addition to any increase in your car insurance rates.
Cheapest auto insurance in Nashville for drivers with poor credit: Farmers
Farmers has the best rates for drivers with bad credit in Nashville. Full coverage from Farmers costs around $258 per month, which is $74 per month less than the average citywide.
Best cheap car insurance companies in Nashville, TN for poor credit
Company | Monthly rate |
|---|---|
| Farmers | $258 |
| Geico | $275 |
| Erie | $309 |
| Progressive | $380 |
| Allstate | $394 |
*USAA is only available to current and former military members and their families.
People with poor credit pay nearly twice as much for car insurance in Nashville as those with a good credit score.
While your credit score doesn't have anything to do with your driving ability, insurance companies believe people with lower credit scores are more likely to make an insurance claim. That makes them more expensive to insure.
Average cost of auto insurance in Nashville by neighborhood
The Hillsboro West End neighborhood and the southern end of Music Row have the cheapest car insurance rates in Nashville.
The average cost of a full coverage policy in these neighborhoods is $162 per month.
Meanwhile, several southeastern neighborhoods, including Edge of Lake and Priest Lake , have the most expensive car insurance, at $183 per month for full coverage.
Car insurance rates differ by neighborhood because of factors like accident statistics, car theft rates and road maintenance. For example, you might pay more for car insurance if you live in a rural area with poorly-maintained roads.
Full coverage quotes by Nashville ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 37027 | $162 | -5% |
| 37072 | $175 | 3% |
| 37080 | $168 | -1% |
| 37201 | $172 | 1% |
| 37203 | $166 | -2% |
What's the best car insurance coverage in Nashville, TN?
Most Nashville drivers should consider a full coverage car insurance policy.
Full coverage includes state-required coverages, like liability for bodily injury and property damage, plus comprehensive and collision coverage.
- Collision coverage pays to fix your car after a crash, regardless of whose fault it is.
- Comprehensive coverage pays to repair other types of damage to your car, such as hail or vandalism. It also covers theft.
Full coverage insurance isn't required by law, but lenders typically require it if you have a car loan or lease. You should also consider adding these coverages if your car is newer than eight years old or worth more than $5,000.
Although a liability-only policy is the cheapest coverage option, it may not come with enough liability coverage to fully pay for a serious accident.
For example, Tennessee drivers only need to have $25,000 of property damage liability coverage. But if you hit and total a brand new pickup truck, that may not be enough to cover the cost to replace it. Choosing higher limits can help you avoid a big bill if you cause a major accident.
Frequently asked questions
How much is car insurance in Nashville, TN?
The average cost of full coverage car insurance in Nashville is $169 per month. That's 8% more expensive than the Tennessee state average. Minimum liability coverage in Nashville costs an average of $65 per month, which is 20% higher than the Tennessee average.
How much is Progressive insurance in Nashville, TN?
Full coverage car insurance from Progressive costs an average of $240 per month in Nashville. That's $71 per month higher than average, making Progressive the most expensive major car insurance company in Nashville.
Who has the best car insurance in Nashville, TN?
State Farm and Erie are the best car insurance companies in Nashville. Both companies offer great customer service at an affordable rate. USAA is the best choice for drivers with military ties, including active-duty military members, veterans and their family members.
Methodology
To find the best cheap car insurance in Nashville, ValuePenguin collected quotes from seven of the most popular insurance companies in Tennessee. Rates are for a 30-year-old single man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
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.
