120+ more*Quotes generated for Insurify users in and around Nashville, Tennessee within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Nashville, Tennessee within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
State Farm and Sun Coast offer the cheapest Nashville car insurance.
Rates in Nashville average $72 per month for liability coverage, which is higher than the state average.
Davidson County, which includes Nashville, had the second-highest overall crash rate of Tennessee Counties in 2025, contributing to Nashville’s above-average premiums.
The average cost of car insurance in Nashville is $157 per month for full coverage and $72 per month for state-minimum coverage. Rates are higher than in Franklin — a suburb south of Nashville — but not as high as in Memphis.
Nashville’s population density of 1,449 people per square mile is nearly nine times the state average of 168 people per square mile, and analytics company INRIX ranks Nashville as the 12th most-congested city in the U.S.[1] [2] The average Music City driver logs about 9,596 miles annually, Insurify data shows.
The city also experiences severe weather and a high volume of vehicle theft, which drives car insurance rates above the state average.[3] You can compare the cost of Nashville car insurance to the Tennessee car insurance average below.
Car Insurance Costs in Nashville vs. Tennessee | Average Monthly Quote |
|---|---|
| Nashville average | $115 |
| Tennessee average | $96 |
You may find the most affordable liability insurance from State Farm, with policies averaging $42 per month.
Mile Auto offers the cheapest full-coverage car insurance in Nashville, at a monthly average of $81.
Liability rates start as low as $42 per month
Davidson County welcomed almost 17 million tourists in 2024. Major events like CMA Fest — Nashville’s annual country music festival — can cause downtown road closures and heavy congestion. The Nashville Department of Transportation and Multimodal Infrastructure (NDOT) launched a rideshare pilot program in 2025 that created dedicated pickup and drop-off zones to reduce traffic congestion.[4]
Beyond congestion, Nashville drivers also face a high rate of uninsured motorists. Tennessee ranks No. 5 in the nation for uninsured drivers, with about 21% of motorists carrying no coverage, according to the Insurance Information Institute. Adding uninsured/underinsured motorist coverage to your policy can protect you financially if an uninsured driver hits you.
The weather is another concern for Nashville drivers. Roads in Metro Nashville are susceptible to flooding, even outside of designated flood zones. During the May 2010 floods, the Cumberland River crested at nearly 52 feet after Davidson County recorded nearly 18 inches of rain in just 38 hours, flooding neighboring roads and interstates.[5]
The Nashville-Davidson-Murfreesboro-Franklin metro ranked No. 33 in the nation for vehicle theft volume in the first half of 2025, according to the National Insurance Crime Bureau — though thefts dropped 15% compared to the same period in 2024.
In 2022, the Metropolitan Nashville Police Department (MNPD) reported that 74% of stolen vehicles were easy targets because the owners left the keys inside or accessible. High theft rates push up the cost of comprehensive coverage for Nashville drivers.
Nashville drivers pay some of the highest car insurance rates in Tennessee, averaging $115 monthly, compared to the state average of $96 per month. Only Memphis ranks higher per Insurify data, likely due to its higher population density and Shelby County’s crash volume.
Davidson County ranked No. 2 in the state for overall crashes in 2025, according to the Tennessee Department of Safety and Homeland Security (TDOS).[6] The MNPD reported a total of 26,977 accidents in Nashville the same year, contributing to higher rates than in neighboring cities like Franklin.
You can compare car insurance rates in Nashville to other major Tennessee cities below.
City | Average Monthly Quote |
|---|---|
| Chattanooga | $96 |
| Clarksville | $104 |
| Cleveland | $91 |
| Franklin | $94 |
| Jackson | $98 |
| Kingsport | $80 |
| Knoxville | $94 |
| Memphis | $143 |
| Murfreesboro | $104 |
| Nashville | $115 |
Nashville drivers should watch for congestion downtown, where Interstate 24, I-40, and I-65 converge in a loop. The interstate loop, the Cumberland River, and railroad crossings make accessing downtown a challenge, and Nashville’s summertime tourism season can clog up traffic even more.
Although Nashville’s average commute time of 25 minutes is shorter than the state average, its 672 ramps experience afternoon backups, leading some drivers to weave through traffic and make unsafe lane changes.[7]
Drivers in Nashville should also be aware of the city’s strict enforcement of laws against driving under the influence (DUI). MNPD’s DUI unit conducts sobriety checkpoints and trains officers to detect alcohol and drug impairment.[8] Still, Davidson County saw 1,192 DUI crashes in 2023, causing 40 fatalities, which can drive up Nashville’s car insurance rates.
To drive legally in Nashville, you must meet Tennessee’s car insurance requirements. Minimum coverage limits are $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 for property damage liability.
As part of the James Lee Atwood, Jr. Law, Tennessee uses a web-based program to verify insurance coverage for all registered drivers. Without proof of insurance, you risk fines and loss of your vehicle registration.[9]
Rates for liability coverage average $72 monthly — more expensive than the state average but cheaper than full coverage. The table below shows quotes for cheap liability car insurance in Nashville, with State Farm offering the best rates.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $42 |
| Sun Coast | $42 |
| Mile Auto | $42 |
| Progressive | $46 |
| Certainly | $47 |
| Direct Auto | $48 |
| USAA | $50 |
| GEICO | $54 |
| AssuranceAmerica | $56 |
| Freedom National | $56 |
| Auto-Owners | $57 |
| Travelers | $57 |
| The General | $59 |
| Trexis | $61 |
| Erie | $62 |
| Safeco | $68 |
| Trexis One | $69 |
| GAINSCO | $70 |
| Dairyland | $73 |
| Mendota | $74 |
| National General | $75 |
| First Acceptance | $77 |
| Allstate | $77 |
| Farmers | $84 |
| Liberty Mutual | $87 |
| Bristol West | $90 |
| Root | $90 |
| Elephant | $93 |
| Nationwide | $103 |
| Chubb | $120 |
| State Auto | $160 |
Get a quote and buy a policy in minutes. Pay for one week.
With Nashville’s exposure to severe weather, drivers might consider full coverage, which includes comprehensive and collision coverage. In December 2023, an EF2 tornado touched down in north Nashville, damaging or destroying 861 properties. Without full coverage, you’d have to pay for vehicle repairs from storm damage out of pocket.
Full coverage averages $157 per month — more than the state average — but provides greater financial protection than liability coverage alone. You can compare quotes for cheap full-coverage car insurance in Nashville below, with the lowest rates from Mile Auto.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $81 |
| Sun Coast | $84 |
| Progressive | $91 |
| State Farm | $92 |
| Direct Auto | $109 |
| USAA | $109 |
| GEICO | $121 |
| Auto-Owners | $126 |
| National General | $126 |
| Travelers | $126 |
| Safeco | $126 |
| AssuranceAmerica | $132 |
| Erie | $136 |
| Certainly | $137 |
| Trexis | $146 |
| Elephant | $149 |
| Root | $155 |
| Allstate | $169 |
| Trexis One | $171 |
| Liberty Mutual | $172 |
| The General | $174 |
| GAINSCO | $178 |
| Mendota | $179 |
| Farmers | $183 |
| Freedom National | $191 |
| Bristol West | $197 |
| First Acceptance | $206 |
| Dairyland | $219 |
| Nationwide | $225 |
| Chubb | $264 |
| State Auto | $350 |
*Quotes generated for Insurify users in and around Nashville, Tennessee within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Nashville, Tennessee within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
More than 4% of Nashville drivers have a speeding ticket on their driving record, according to Insurify data. This can add one to eight points to your license, depending on how fast you were going.[10] In active construction zones, fines for speeding when workers are present can range from $250 to $500.
After a ticket, liability car insurance in Nashville averages $95 monthly. The table below shows the most affordable auto insurance in Nashville for drivers with a speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $53 |
| State Farm | $55 |
| Sun Coast | $55 |
| Progressive | $61 |
| Certainly | $62 |
| Direct Auto | $62 |
| USAA | $66 |
| AssuranceAmerica | $73 |
| GEICO | $73 |
| Freedom National | $74 |
| Auto-Owners | $76 |
| Travelers | $76 |
| The General | $81 |
| Trexis | $81 |
| Erie | $84 |
| GAINSCO | $86 |
| Trexis One | $91 |
| Safeco | $92 |
| Dairyland | $93 |
| National General | $96 |
| Mendota | $98 |
| First Acceptance | $102 |
| Allstate | $103 |
| Farmers | $111 |
| Liberty Mutual | $114 |
| Elephant | $115 |
| Bristol West | $117 |
| Root | $123 |
| Nationwide | $137 |
| Chubb | $157 |
| State Auto | $218 |
Tennessee is an at-fault state, meaning the driver who caused the accident must cover the damages. The state follows a comparative fault system, so your payout reduces proportionally to your share of responsibility. And if you were 50% or more at fault, you can’t recover any damages.
Insurify data shows that more than 5% of Nashville drivers have an accident on their driving record and pay an average of $101 per month for liability coverage.
You can compare quotes for affordable car insurance in Nashville after an accident below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| Sun Coast | $59 |
| Mile Auto | $59 |
| Progressive | $65 |
| Certainly | $66 |
| Direct Auto | $68 |
| USAA | $69 |
| GEICO | $73 |
| AssuranceAmerica | $77 |
| Auto-Owners | $78 |
| Freedom National | $79 |
| Travelers | $79 |
| The General | $84 |
| Erie | $86 |
| Trexis | $86 |
| GAINSCO | $93 |
| Trexis One | $97 |
| Safeco | $98 |
| Dairyland | $100 |
| National General | $103 |
| Mendota | $104 |
| Allstate | $107 |
| First Acceptance | $108 |
| Farmers | $116 |
| Liberty Mutual | $119 |
| Bristol West | $123 |
| Root | $125 |
| Elephant | $126 |
| Nationwide | $143 |
| Chubb | $165 |
| State Auto | $226 |
The MNPD recorded 2,330 DUI arrests in 2024, and about 1% of Nashville drivers have a DUI conviction on their driving record, according to Insurify data. If you have a DUI conviction, you may need to file an SR-22 in Tennessee.
Insurers classify drivers with a DUI as high-risk, which can raise your average monthly rate to $108. But you may find affordable pricing from State Farm. Below are the cheapest car insurance quotes in Nashville for drivers with a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $62 |
| Mile Auto | $62 |
| Sun Coast | $63 |
| Progressive | $69 |
| Certainly | $71 |
| Direct Auto | $71 |
| USAA | $74 |
| GEICO | $79 |
| AssuranceAmerica | $82 |
| Auto-Owners | $84 |
| Freedom National | $84 |
| Travelers | $84 |
| The General | $84 |
| Erie | $91 |
| Trexis | $92 |
| GAINSCO | $103 |
| Trexis One | $104 |
| Safeco | $106 |
| Dairyland | $107 |
| National General | $110 |
| Mendota | $111 |
| Allstate | $113 |
| First Acceptance | $116 |
| Farmers | $124 |
| Liberty Mutual | $128 |
| Bristol West | $132 |
| Root | $134 |
| Elephant | $137 |
| Nationwide | $152 |
| Chubb | $177 |
| State Auto | $226 |
Davidson County ranked No. 2 in the state for teen-driver accidents, recording 24,883 crashes between 2019 and 2023.[11] Most teen accidents in Tennessee happen on Fridays, with about 28% occurring between 3 p.m. and 5 p.m., according to the TDOS.
Teen drivers pay more for car insurance than other age groups, with liability premiums averaging $143 monthly. You can compare the most affordable car insurance for teen drivers in Nashville below.
Insurance Company | Average Monthly Quote |
|---|---|
| Sun Coast | $83 |
| State Farm | $85 |
| Mile Auto | $90 |
| Progressive | $91 |
| Certainly | $93 |
| Direct Auto | $97 |
| USAA | $97 |
| GEICO | $102 |
| Freedom National | $111 |
| The General | $111 |
| Erie | $120 |
| Auto-Owners | $121 |
| AssuranceAmerica | $121 |
| Trexis | $121 |
| Travelers | $124 |
| GAINSCO | $131 |
| Dairyland | $133 |
| Trexis One | $137 |
| Safeco | $144 |
| Mendota | $147 |
| First Acceptance | $153 |
| National General | $156 |
| Allstate | $159 |
| Liberty Mutual | $160 |
| Root | $164 |
| Bristol West | $167 |
| Elephant | $174 |
| Farmers | $175 |
| Nationwide | $210 |
| Chubb | $257 |
| State Auto | $403 |
Nashville’s senior population is smaller than the Tennessee average. Only about 13% of residents are aged 65 or older, compared to 18% statewide. Senior drivers tend to display safe driving habits, with TDOS reporting that older drivers were 21% less likely to crash in poor weather in 2023.
Senior drivers in Nashville pay an average of $64 per month for liability insurance coverage and may find the most affordable quotes from State Farm. The table below shows cheap car insurance in Nashville for senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| Mile Auto | $33 |
| Sun Coast | $37 |
| Direct Auto | $40 |
| Certainly | $41 |
| Progressive | $41 |
| USAA | $41 |
| GEICO | $43 |
| AssuranceAmerica | $44 |
| Auto-Owners | $46 |
| Travelers | $46 |
| Erie | $48 |
| Freedom National | $49 |
| The General | $51 |
| Trexis | $54 |
| National General | $60 |
| Safeco | $60 |
| Trexis One | $61 |
| GAINSCO | $61 |
| Dairyland | $63 |
| Allstate | $63 |
| Mendota | $65 |
| Farmers | $67 |
| First Acceptance | $68 |
| Liberty Mutual | $73 |
| Bristol West | $76 |
| Root | $76 |
| Elephant | $77 |
| Nationwide | $80 |
| Chubb | $92 |
| State Auto | $123 |
Drivers in Music City often have questions about coverage costs and local risks. The following information can help you find the best car insurance in Nashville.
Nashville car insurance costs an average of $72 per month for liability coverage, which is lower than the national average but higher than the state average. Full coverage averages $157 per month.
State Farm offers the most affordable car insurance for Nashville drivers, at $42 per month for liability policies, based on Insurify data. The cheapest insurer for your situation will depend on your driving history, coverage needs, and eligibility for discounts.
The average cost of full coverage in Nashville is $157, so $300 per month may be high depending on your situation. An independent insurance agent can help you compare insurance products across multiple companies, review policy exclusions, and find the right coverage and price.
With Nashville’s exposure to flooding and tornadoes, you may want to consider additional coverage. The Tennessee Department of Commerce & Insurance (TDCI) recommends drivers explore comprehensive coverage to protect against weather-related damage to your vehicle.
Nashville insurers consider multiple factors when underwriting a car insurance policy, including your age, driving history, credit-based insurance score, coverage limits, deductible, and add-ons like roadside assistance or uninsured motorist coverage.
You may qualify for car insurance discounts to lower your auto policy rates. For example, insurers often offer savings for being a safe driver, earning good grades, or bundling with homeowners insurance or renters insurance. Tennessee also mandates premium reductions for drivers aged 55 or older who complete an approved accident-prevention course.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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