Best Cheap Auto Insurance in Nashville, Tennessee (2024)

Nashville drivers pay slightly more for car insurance than the statewide average.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated April 17, 2024

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Home to an electrifying music scene, Nashville residents have no shortage of live music to enjoy. As the capital of Tennessee and its most-populated city, Nashville also draws huge numbers of tourists. In 2022, a record-breaking 14.4 million people visited Music City — an increase of 13% over 2021.[1]

Having so many out-of-towners on the roads could partially explain why Nashville residents pay an overall average of $188 per month for car insurance — slightly more than the Tennessee average. But finding affordable rates is still possible. Here’s what you should know about getting cheap car insurance in Nashville.

Quick Facts
  • Nashville is the largest city in Tennessee, with a population of 683,622.[2] A city’s size can affect how much its residents pay for car insurance.

  • Tennessee requires bodily injury and property damage liability insurance, but many drivers may want full coverage to protect their vehicles.

  • Insurance companies in Tennessee can consider your credit score when setting the cost of premiums.

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Best car insurance companies in Nashville

When you’re shopping for car insurance in Nashville, it’s important to consider your budget as well as the type of coverage you need. Because Nashville — and Tennessee in general — has relatively affordable car insurance rates to begin with, shopping for coverage doesn’t have to be a headache.

To help make the process easier, Insurify rounded up a list of the three best car insurance companies in Nashville based on factors such as average rates, coverage, customer service, and Insurify Qualify (IQ) scores.

Best insurer overall: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$25/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$53/mo

State Farm is a great option if you want a company that offers affordable rates, great coverage, and an excellent reputation in the industry. State Farm is the top insurance company in the country in terms of number of premiums written. It consistently ranks among the top companies for customer service, partially thanks to its large network of local agents.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Southeast region

  • Usage-based discount for safe drivers

Cons
  • Gap insurance not available

  • Relatively few discounts

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Best insurer for military families: USAA

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$63/mo

USAA was created by military families for military families. Membership is limited to active-duty or former service members and their families. Once a member, you’ll have access to a wide variety of financial services, including affordable and highly-rated auto insurance. USAA has some of the cheapest rates and highest-rated customer satisfaction in the industry.

Pros
  • Full suite of financial services

  • SafePilot program rewards safe driving

Cons
  • Only for military members, veterans, and their families

  • 24/7 live customer support not available

Read our USAA review
Tom - April 16, 2024
Verified

USAA Excellence for Auto and Personal Property Insurance

Excellent.

Joseph - April 13, 2024
Verified

Excellent

It has been very good for a long time.

Candace - April 12, 2024
Verified

USAA Didn't Look Out for Me!

I was overcharged and rated incorrectly.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo

Mile Auto may be right for you if you drive relatively few miles. The company offers pay-per-mile insurance, meaning, after a base rate, you only pay for the miles you drive. Low-mileage drivers can save 30% to 40% on their insurance premiums, according to the company’s website. But in exchange for the savings, you may not have access to the robust coverage, discount, and customer service options other companies offer.

Pros
  • Savings for low-mileage drivers

  • Doesn’t require a tracking app

Cons
  • No discounts available

  • Relatively few coverage options

Cheapest liability-only car insurance in Nashville

Liability-only car insurance refers to a policy that only includes bodily injury and property damage liability coverage. Nearly every state requires drivers to have liability coverage, and Tennessee is no exception. This coverage pays for injuries and damage to other people and property when you’re at fault for an accident. A liability-only policy is also the cheapest type of policy you can get.

“This [coverage] pays if a driver damages another vehicle or injures another person,” says Nick Schrader, an insurance agent with Second Western Insurance. But keep in mind that this type of coverage won’t pay for your own injuries or damage that you cause in an accident.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm25
USAA30
GEICO33
Auto-Owners34
Travelers34
Erie38
Mile Auto45
Allstate47
Farmers50
Safeco54
Nationwide62
Progressive67
Chubb72
Midvale Home & Auto80
Dairyland81
National General83
State Auto85
Liberty Mutual88
Elephant96
Direct Auto103
GAINSCO117
The General137
Bristol West165
Foremost174
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Nashville

Full-coverage insurance isn’t as affordable as a liability-only policy, but it’s a better option for many drivers. Full coverage includes coverages to protect your vehicle, including collision coverage, which pays for damage to your vehicle from an accident, and comprehensive coverage, which pays for damage caused by something other than an accident.

“It is recommended that a consumer purchases full coverage when they finance a vehicle and/or if the vehicle is worth repairing and replacing after a major loss,” Schrader says.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm53
USAA63
GEICO69
Auto-Owners72
Erie78
Mile Auto79
Travelers95
Allstate97
Farmers104
Safeco120
Nationwide127
Progressive141
Midvale Home & Auto143
Chubb150
Elephant151
Liberty Mutual184
State Auto190
National General192
Direct Auto223
The General226
Dairyland227
GAINSCO310
Foremost329
Bristol West397
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Tennessee

Tennessee requires all drivers to have a certain amount of liability coverage to legally operate a vehicle in the state. This coverage protects other drivers from losses if you cause an accident, and it protects you from paying for those losses out of pocket. If you’re caught driving without the minimum insurance in Tennessee, you’ll be subject to fines and registration suspension.

Here’s the minimum insurance coverage you’ll need in Tennessee:[3]

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $25,000 per accident

In addition to the coverage the state of Tennessee requires, many other coverages are available that you may decide to add to your policy to further protect you from losses. Those optional coverages include:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This pays for damages to your car if you collide with another car or object, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    This covers damage that doesn’t result from a car accident, such as theft and weather-related events.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Personal injury protection

    Also known as PIP or no-fault coverage, this usually covers medical expenses, lost wages, and funeral expenses for you and your passengers in an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also known as MedPay, this optional add-on can help pay for hospital visits, surgeries, funeral expenses, and more for you and your passengers if you’re injured in an accident (even if you’re at fault).

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Exact coverages vary by insurer, but roadside assistance generally covers towing, jump-starts, flat-tire changes, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    If you total your car but still owe money on it, gap insurance will cover the difference between your outstanding loan balance and what insurance pays you for the car.

Cheapest car insurance for Nashville drivers with an incident

When insurance companies calculate your insurance premiums, your driving history is one of the biggest factors they consider. Incidents such as speeding tickets, driving under the influence, or at-fault accidents on your driving record can increase your rates.

“Moving violations and at-fault accidents increase the operator’s insurance rate because it shows poor driving experience,” says Schrader. “Speeding tickets and at-fault accidents typically remain on the driving record for three years, while a DUI can be rated for 10 years.”

Cheapest car insurance for drivers with a speeding ticket

A speeding ticket will cost you in terms of the fine you’re charged and the points added to your driving history — between one and eight points in Tennessee — but it’ll also cost you on your insurance premiums.[4]

The effect of a speeding ticket on your insurance rates depends on several factors, including how fast you were going. A ticket can influence your insurance premiums for several years, but it’s most impactful shortly after you get it.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm6631
USAA8038
GEICO8842
Auto-Owners9445
Erie10953
Mile Auto11264
Allstate12360
Travelers12344
Farmers13364
Nationwide16380
Safeco16675
Progressive18789
Chubb19493
Elephant194123
National General246106
Liberty Mutual252121
Direct Auto293135
Dairyland299107
The General299181
GAINSCO386146
Bristol West515214
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

A car accident can have a major effect on your insurance premiums. Not only does it show that you’re a higher-risk driver, but it often costs your insurance company money. An accident has the greatest effect on your insurance premiums when you’re the one at fault. But your rates could also increase slightly after an accident where you weren’t at fault.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7133
USAA8540
GEICO9345
Auto-Owners9846
Erie11355
Mile Auto11968
Travelers13046
Allstate13163
Farmers14067
Nationwide17384
Safeco17779
Progressive19794
Chubb20498
Elephant206131
National General264114
Liberty Mutual266127
Direct Auto311144
Dairyland313112
The General315191
GAINSCO411155
Bristol West536223
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Driving under the influence of alcohol or drugs is one of the most serious driving offenses. It’s also one that affects your insurance premiums the most. Unfortunately, a DUI will also remain on your record longer than most other violations, meaning it could cost you for years. And in some cases, an insurance company may even deny you coverage.

It’s worth noting that higher insurance premiums could be the least of your worries if you get a DUI in Tennessee. Penalties for a first offense can include jail time, license revocation, fines, restitution, and mandated participation in an alcohol-and-drug-treatment program.[5]

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm8540
USAA10148
GEICO11153
Erie11556
Auto-Owners11655
Mile Auto13275
Travelers15355
Allstate15676
Farmers16780
Safeco19387
Nationwide204100
Progressive227108
Chubb241116
Elephant243154
Liberty Mutual296141
National General309133
Direct Auto359166
The General363220
Dairyland365130
GAINSCO498188
Foremost529280
Bristol West638265
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

There’s a strong correlation between risk and age when it comes to car insurance. Generally speaking, drivers see their premiums decrease consistently as they get older. However, this trend shifts when a driver reaches their 70s, as the risk of an accident increases around this age.[6] The good news is that even if your rates increase in your 70s, you’ll still pay less than young drivers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm2612
USAA3617
GEICO3718
Auto-Owners3818
Erie3919
Mile Auto4425
Travelers5219
Allstate5426
Farmers5526
Nationwide6130
Progressive6229
Chubb6933
Safeco8036
Elephant8554
Liberty Mutual10651
National General12152
Direct Auto12256
Dairyland13548
The General14185
GAINSCO20577
Bristol West22995
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

In most cases, young drivers pay the highest premiums of all because of their lack of driving experience and a higher likelihood of taking risks.[7] The good news is teen drivers have ways to save money on car insurance.

“It’s important for them to maximize their discounts, such as driver training and good grades,” says Schrader. “The pricing is better if they drive vehicles with safety features.”

Another way for young drivers to save money is to remain on their parents’ insurance policies for as long as possible. It’s almost always more affordable to add a teen to the policy of an adult than it is for that teen to sign up for their own coverage.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm8741
USAA10048
GEICO10450
Auto-Owners11554
Erie13767
Mile Auto14784
Allstate16479
Travelers16559
Farmers17484
Safeco20693
Nationwide209102
Elephant240152
Progressive244116
Chubb267128
Liberty Mutual298142
The General346210
National General352152
Dairyland353126
Direct Auto392181
GAINSCO534202
Foremost565299
Bristol West633263
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Nashville

Tennessee drivers — and particularly those in Nashville — already pay some of the lowest insurance premiums in the country. And you can save even more by taking a few extra steps when you’re signing up for your policy:[8]

  • Shop around. You can find the best rates by getting quotes from multiple insurance companies and choosing the one that offers you the best rate.

  • Bundle your policies. Many insurers offer savings when you bundle your auto insurance with your homeowners insurance or renters insurance.

  • Save with discounts. In addition to the multi-policy discount, other popular insurer discounts include those for safe driving, vehicle safety features, and more. Ask your insurance company which discounts you may be eligible for.

  • Update your policy. You can lower your premiums by either reducing your coverage limits or raising your deductible. Just make sure you don’t increase your deductible so much that you can’t afford to pay it out of pocket if you need to file a claim.

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Nashville car insurance quotes by credit tier

Credit scores and insurance risk generally have an inverse correlation. In other words, a poor credit score indicates a high likelihood of filing a claim, while an excellent or good credit score indicates a lower risk. As a result, the higher your credit score, the lower the insurance premiums you’re likely to get. Meanwhile, a low credit score is likely to increase your rates.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Nashville?

Tennessee drivers enjoy some of the lowest insurance premiums in the country. The average annual insurance premium in the United States was $1,047.11 in 2020, according to data from the National Association of Insurance Commissioners (NAIC). In that same year, the average annual rate in Tennessee was nearly $200 lower.[9]

Insurance premiums can also vary within the state. You may find the average rate in one city or ZIP code is different than one in a different part of the state or even one nearby. Certain areas could pay higher premiums based on the local crime rate (especially vehicle thefts), rates of uninsured drivers, number of accidents, and more.

Overall, insurance premiums in Nashville are slightly higher than the state’s average premium.

More cities in Tennessee

Nashville drivers pay insurance premiums that are just slightly higher than the state’s average. The state has higher average premiums than Memphis, Clarksville, and Murfreesboro but higher rates than Knoxville and Chattanooga.

CityAverage Monthly QuoteCompared to Nashville
Antioch$2396%
Chattanooga$210-7%
Clarksville$2417%
Cordova$30736%
Knoxville$217-3%
Memphis$30033%
Murfreesboro$2417%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Nashville car insurance FAQs

If you’re getting ready to sign up for car insurance in Nashville, here are a few other things you might want to know.

  • How much is car insurance in Nashville?

    The average car insurance premium in Nashville is $138 per month for liability-only coverage and $237 per month for full coverage.

  • What are the best car insurance companies in Nashville?

    State Farm is the best overall insurance company in Nashville thanks to its affordable premiums, highly rated customer service, and more. Some of the other best car insurance companies include USAA and Mile Auto.

  • Is it illegal to drive in Tennessee without insurance?

    Yes. It’s illegal to drive without insurance in Tennessee. If you’re caught driving without insurance, you could be subject to fines and suspension of your vehicle registration.

  • Does insurance follow the car in Tennessee?

    Generally speaking, yes, car insurance follows the car, rather than the driver, in Tennessee. So no matter who’s driving your car, your insurance should apply. 

    If someone drives your car regularly, you usually must list them as a driver on your policy, or your insurer could deny your claim if they cause an accident while driving your vehicle.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. VisitMusicCity.com. "Tourism Generates Record Economic Activity for City in 2022."
  2. U.S. Census Bureau. "Quick Facts: Nashville-Davidson metropolitan government."
  3. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  4. Tennessee Department of Safety & Homeland Security. "Schedule of Points Values."
  5. Tennessee Department of Safety & Homeland Security. "DUI Offenses."
  6. Insurance Institute for Highway Safety. "Older drivers."
  7. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  8. Insurance Information Institute. "How to save money on car insurance."
  9. National Association of Insurance Commissioners. "2019/2020 Auto Insurance Database Report."
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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