Cheap Auto Insurance Quotes in Nashville, TN (January 2022)

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Save big in Music City

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 Volunteer State's largest 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? Search and save on the best car insurance policies in the Volunteer State today. 

Average Car Insurance Cost

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TennesseeMemphisKnoxvilleChattanoogaClarksville
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Nashville, TN Driving Facts

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Minimum Car Insurance Requirements in TN

All motor vehicles operated or parked on Tennessee roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverge required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Find local Nashville agents

Hale Insurance 
215 29th Ave N, Nashville, TN 37203
James A Rothberg & Assoc, Inc. 
1 Burton Hills Blvd., Suite 220, Nashville, TN 37215
The Manning Agency 
104 Woodmont Blvd, Ste 105, Nashville, TN 37205-2290
Bonds Southeast, Inc 
1030 17th Ave. S, Nashville, TN 37212-2202
InsureTN 
6201 Centennial Blvd., Nashville, TN 37209
Lee Insurance Concepts, Inc. 
4337 Barnes Cove Drive, Nashville, TN 37211
H Q Insurance 
2451 Atrium Way, Nashville, TN 37214
Frank E. Neal & Co., Inc. 
193B Polk Ave, Nashville, TN 37210-4629
Brown & Brown of Tennessee dba Al Phillips Insurance and Security Insurance 
565 Marriott Dr Ste 500, Nashville, TN 37214-5038
McGriff Insurance Services 
3322 W End Ave Ste 300, Nashville, TN 37203-1084

Insurify Insights: How Nashville Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Nashville, TN
suspended licenses
#17
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Nashville drivers measure up to their fellow Tennessee motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Nashville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Nashville drivers rank 17 in the number of car accidents per driver across all cities in Tennessee.

  • Rank within state: #17
  • Percent of drivers in Nashville with an accident: 12.45%
  • Drivers in Nashville, TN with an accident in their driving history paid on average 36.81% more than drivers with a clean record

Speeding in Nashville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Nashville drivers rank 17 in the number of speeding infractions per driver.

  • Rank within state: #17
  • Percent of drivers in Nashville with a speeding ticket: 11.86%
  • Drivers in Nashville, TN with a speeding ticket in their driving history paid on average 33.13% more than drivers with a clean record

DUI/DWIs in Nashville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nashville drivers rank 23 in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #23
  • Percent of drivers in Nashville with a DUI: 1.71%
  • Drivers in Nashville, TN with a DUI in their driving history paid on average 7.98% more than drivers with a clean record

Most Popular Vehicle in Nashville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Nashville is the Nissan Altima.

Rude in Nashville

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Tennessee, Nashville drivers rank 10 in rude driving infractions.

  • Rank within state: #10
  • Percent of drivers in Nashville with a reckless driving violation: 1.65%
  • Drivers in Nashville, TN with a reckless driving violation in their driving history paid on average 27.61% more than drivers with a clean record.

Safest Drivers in Nashville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Nashville drivers rank 9 in clean driving records across all cities in Tennessee.

  • Rank within state: #9
  • Percent of drivers in Nashville with clean record: 77.42%

Failure to Yield the Right of Way in Nashville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Nashville drivers rank 11 in failure to yield violations per driver across all cities in Tennessee.

  • Rank within state: #11
  • Percent of drivers in Nashville with a failure to yield violation: 0.34%
  • Drivers in Nashville, TN with a failure to yield violation in their driving history paid on average 1000% more than drivers with a clean record

Reckless Drivers in Nashville

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Tennessee, Nashville drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Nashville with a reckless driving offense: 0.23%

Hybrid/Electric Vehicle Ownership in Nashville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Nashville drivers rank 5 in hybrid and electric vehicle ownership across all cities in Tennessee.

  • Rank within state: #5
  • Percent of drivers in Nashville with a hybrid/electric vehicle: 1.16%

How to get the best and cheapest car insurance in Nashville

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. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

 


FAQs - Nashville, TN Car Insurance

How do I file a claim after a car accident in Tennessee?

If you’re ever involved in an accident, first call the police. Having an officer on the scene will ensure a valuable set of eyes sees damage first hand. Seek immediate medical treatment if necessary and exchange contact information with the other driver or drivers involved. Make sure to take photos of the damage to your car and other vehicles involved in the accident. Next, to file an insurance claim, call your provider to inform them you’ve been in an accident. An agent will walk you through your coverage and what steps to take to get yourself back on the road.

What happens if I get caught driving uninsured in Tennessee?

You should never drive a vehicle if you’re uninsured. An estimated 20 percent of drivers in Tennessee are currently driving while uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability coverage in Tennessee may result in a $300 fine, administrative fine fees, driver’s license, and registration suspension, restoration fees, commissioner of safety fees, and SR-22 for three years. Uninsured drivers pose dangers to themselves and those around them.

Who has the cheapest car insurance in Tennessee?

The best way to get the cheapest car insurance in Tennessee and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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