Click here for our full-length guide to Tennessee car insurance quotes, discounts, and state requirements.

Nashville, Tennessee– home of country music, Jack Daniels Tennessee Whiskey, and, some might argue, the nation’s best barbecue. High insurance premiums, though, have no place in Nashville. With nearly 700,000 drivers on the roadways of the Music City, great coverage is a necessity for every driver. 

Known for some of the lowest car insurance premiums in the country, the Tennessee car insurance market is full of good deals waiting to be discovered. With all those cars on the road, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Where should Tennessee drivers start when they’re shopping for car insurance quotes? It seems as though every insurance company claims to have the lowest premiums or the highest coverage, but how do you mute the noise and decide on the right fit for you? It all starts with knowing your options—compare the cheapest and best quotes in the Volunteer State here.

Find cheap car insurance quotes for Nashville today.

For more city-specific car insurance details, check out our overview of Chattanooga

Finding the Cheapest Car Insurance Quotes in Nashville, CA

Here are the cheapest insurance companies in Nashville based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

USAA often offers the lowest car insurance rates to Tennessee drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Nashville, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Nashville. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuote
American Family 88$137/month
GEICO87$73/month
Allstate86$77/month
Nationwide84$103/month
State Farm83$32/month
Liberty Mutual80$125/month
Progressive78$45/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Nashville has lower monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Nashville Average Premium Tennessee Average Premium National Average Premium
$120/month $117/month

$131/month

Nashville Auto Insurance Requirements 

Before operating on Tennessee roadways, Tennessee drivers must ensure their motor vehicle holds sufficient liability insurance.

Liability coverage is a safety necessity.

In Tennessee, state minimum coverage limits for liability car insurance are as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Nashville auto insurance rates.

Read more about Tennessee car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Nashville DMV Information 

Nashville has two major DMV outposts throughout the city. Their operating hours are 9 AM to 5 PM with varying morning and weekend hours. A DMV is never too far out of the way no matter where you are in Nashville, thanks to its proximity to other large cities in the Bay Area.  You may be able to skip your visit altogether and utilize their online portal to get the answers and services you need. 

Public Transit in Nashville

Tennessee’s capital offers residents and visitors a plethora of public transportation options around the city. Nashville’s WeGo Public Transit Authority runs public buses and shuttles through dozens of routes around the city at affordable rates throughout the day and night.     Amtrak and Greyhound provide train and long haul bus services at stations in and near Nashville. Ridesharing services like Uber, Lyft, and traditional taxis also operate across the city.

Conclusion

Tennessee drivers can save big on their car insurance policies. 

There are 2.3 million registered vehicles in Tennessee, 20 percent of which are uninsured. That’s one in five cars– don’t take the risk of driving uninsured. To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify

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Updated February 12, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.