Compare Nashville, TN Car Insurance Rates (2021)

Car insurance in Nashville, TN averages $308 a month. Nashville, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Nashville car insurance rates, compare quotes from the top car insurance companies in Nashville, TN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Nashville is USAA
  • Average car insurance rates in Nashville, TN are $3,701/year
  • The cheapest car insurance company in Nashville for teen drivers is USAA

If you need to buy Nashville, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Nashville, TN is right here.

You’ll find Nashville car insurance rates, the cheapest Nashville, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Nashville, Tennessee car insurance rates to Johnson City car insurance rates, Bartlett car insurance rates, and Hendersonville car insurance rates.

Ready to find affordable Nashville, TN car insurance today? Enter your ZIP code for fast, free Nashville car insurance quotes.

Cheapest Nashville, TN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Nashville, TN car insurance rates? Every Nashville, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Nashville, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,763 $2,650 $2,492 $2,586 $10,493 $11,440 $2,937 $3,033
Farmers $1,702 $1,732 $1,520 $1,671 $7,053 $7,516 $2,316 $2,463
GEICO $2,095 $2,109 $1,923 $1,923 $6,596 $6,690 $2,143 $2,212
Liberty Mutual $3,614 $129 $2,965 $3,316 $15,219 $16,917 $3,877 $4,126
Nationwide $2,331 $2,348 $2,089 $2,119 $6,521 $8,403 $2,688 $2,914
Progressive $1,950 $1,824 $1,596 $1,669 $9,055 $10,175 $2,350 $2,559
State Farm $1,642 $1,642 $1,494 $1,494 $5,187 $6,479 $1,861 $2,165
Travelers $1,811 $1,906 $1,658 $1,764 $5,189 $6,474 $1,926 $2,026
USAA $1,477 $1,501 $1,336 $1,335 $5,260 $6,038 $1,930 $2,047

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Minimum Car Insurance in Nashville, TN

Every driver must carry the minimum car insurance in Nashville, TN. Take a look at the Tennessee car insurance requirements.

Minimum Required Car Insurance Coverage in Nashville, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Nashville, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Nashville, TN. Compare credit history car insurance rates in Nashville from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Nashville, Tennessee

Insurance Company Poor Fair Good
Allstate $6,119 $4,694 $3,585
Farmers $3,846 $3,028 $2,866
GEICO $3,639 $3,122 $2,873
Liberty Mutual $8,972 $5,521 $4,318
Nationwide $4,412 $3,509 $3,109
Progressive $4,361 $3,785 $3,547
State Farm $3,988 $2,392 $1,857
Travelers $3,610 $2,848 $2,074
USAA $3,782 $2,226 $1,839

Cheapest Nashville, TN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Nashville, TN to rates for a clean record with top companies.

Annual Nashville, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,014 $4,789 $5,798 $4,597
Farmers $2,781 $3,428 $3,498 $3,279
GEICO $2,350 $3,130 $5,017 $2,350
Liberty Mutual $5,080 $7,340 $6,819 $5,842
Nationwide $3,179 $3,179 $4,782 $3,566
Progressive $3,430 $4,472 $3,652 $4,036
State Farm $2,492 $2,999 $2,746 $2,746
Travelers $2,303 $2,963 $3,279 $2,832
USAA $1,904 $2,853 $3,344 $2,362

Cheapest Nashville, TN Car Insurance for Teen Drivers

Teen car insurance in Nashville, TN can be expensive. Take a look at rates from the top car insurance companies in Nashville for teenagers.

Annual Car Insurance Rates for Teen Drivers in Nashville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,493 $11,440
Farmers $7,053 $7,516
GEICO $6,596 $6,690
Liberty Mutual $15,219 $16,917
Nationwide $6,521 $8,403
Progressive $9,055 $10,175
State Farm $5,187 $6,479
Travelers $5,189 $6,474
USAA $5,260 $6,038

Cheapest Nashville, TN Car Insurance for Seniors

Take a look at Nashville, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Nashville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,492 $2,586
Farmers $1,520 $1,671
GEICO $1,923 $1,923
Liberty Mutual $2,965 $3,316
Nationwide $2,089 $2,119
Progressive $1,596 $1,669
State Farm $1,494 $1,494
Travelers $1,658 $1,764
USAA $1,336 $1,335

Cheapest Nashville, TN Car Insurance Rates After a DUI

A DUI in Nashville, TN increases car insurance rates. Compare Nashville, Tennessee DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Nashville, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,798
Farmers $3,498
GEICO $5,017
Liberty Mutual $6,819
Nationwide $4,782
Progressive $3,652
State Farm $2,746
Travelers $3,279
USAA $3,344

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Cheapest Nashville, TN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Nashville, TN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Nashville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,799 $4,799
Farmers $3,246 $3,246
GEICO $3,188 $3,235
Liberty Mutual $6,270 $6,270
Nationwide $3,677 $3,677
Progressive $3,897 $3,897
State Farm $2,679 $2,812
Travelers $2,732 $2,956
USAA $2,542 $2,689

Cheapest Nashville, TN Car Insurance Rates by ZIP Code

Nashville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Nashville, TN.

Annual Car Insurance Rates by ZIP Code in Nashville, Tennessee

ZIP Code Average Annual Rates
37080 $3,868
37201 $3,757
37203 $3,704
37204 $3,841
37205 $3,741
37206 $3,926
37207 $3,896
37208 $3,820
37209 $3,777
37210 $3,719
37211 $3,846
37212 $3,651
37213 $3,702
37214 $3,872
37215 $3,714
37216 $3,742
37217 $4,006
37218 $3,730
37219 $3,751
37220 $3,716
37221 $3,748
37228 $3,722
37235 $3,725
37238 $3,736
37240 $3,686

The Best Cheap Car Insurance Companies in Nashville, TN

Take a look at a side-by-side comparison of the top car insurance companies in Nashville, TN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Nashville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,799
Farmers $3,246
GEICO $3,211
Liberty Mutual $6,270
Nationwide $3,677
Progressive $3,897
State Farm $2,746
Travelers $2,844
USAA $2,616

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Category Winners: Cheapest Car Insurance in Nashville, Tennessee

Find the cheapest car insurance companies in Nashville, TN for each category right here.

Best Annual Car Insurance Rates by Company in Nashville, Tennessee

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Nashville, TN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Nashville car insurance rates. Find the cheapest Nashville, TN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Nashville, Tennessee

Insurance Company Low Medium High
Allstate $4,624 $4,787 $4,986
Farmers $3,081 $3,235 $3,423
GEICO $3,046 $3,206 $3,383
Liberty Mutual $5,996 $6,272 $6,544
Nationwide $3,701 $3,599 $3,730
Progressive $3,628 $3,903 $4,161
State Farm $2,574 $2,760 $2,902
Travelers $2,664 $2,842 $3,027
USAA $2,527 $2,606 $2,714

What affects car insurance rates in Nashville, Tennessee?

What factors can have an impact on Nashville, TN car insurance? There are several reasons why Nashville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Nashville, Tennessee.

Commute Time in Nashville

The more time you spend in your car the higher the risk of an accident. The average commute length in Nashville, TN is 25.0 minutes according to City-Data.

Traffic in Nashville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Nashville, TN traffic data from INRIX ranks Nashville as the 278th-most congested in the world.

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Compare Car Insurance Quotes in Nashville, TN

Ready to find affordable Nashville, Tennessee car insurance today? Enter your ZIP code for fast, free Nashville, TN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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