Nashville, TN Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Nashville.
How much does car insurance cost in Nashville?
Car insurance in Nashville costs an average of $773 for a six-month policy or about $129 per month. In 2023, our data shows Penn National is the cheapest car insurance company in Nashville with rates at $468 for a six-month policy. However, keep in mind that this plan may not be the best coverage for you, so read on to learn about other affordable options if you're in the market for auto insurance in Nashville.
Nashville residents pay slightly more than the average for car insurance in Tennessee, which runs about $758 every six months. The city's average is also more than the national average of $742 every six months. In fact, 35% of our customers in Nashville think they are paying too much for their car insurance. If you're paying too much, or want to learn about all of your options when it comes to auto coverage, then keep reading to learn more about what typical Nashville rates look like and how they're calculated.
| Car Insurance in Nashville vs. Tennessee | Avg. 6 Mo. Premium |
|---|---|
| Nashville Average | $773 |
| Tennessee Average | $758 |
The cheapest car insurance companies in Nashville
Penn National takes first place with average rates at $468 for a six-month policy.
Coming in second is State Farm. In Nashville, State Farm policies average at $483 every six months.
USAA is the third-cheapest company in Nashville at $561 for a six-month policy, or $94 per month.
The Zebra's key takeaways about car insurance in Nashville:
- The average cost of a car insurance policy in Nashville is $773 per six-month policy — $ per month.
- The cheapest company in Nashville is Penn National ($468).
- 35% of Zebra customers in Nashville stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Nashville car insurance rates by company
In Nashville, Tennessee, Penn National is the top provider of cheap, comprehensive car insurance as per our 2023 data. For a six-month policy, they charge $468, or $78 per month. State Farm is a close runner-up, charging $483 for six months or $81 each month. Both firms have many policy choices to suit your auto insurance needs, but keep in mind that different companies may have different qualification criteria or pricing variations based on your profile.
For additional information on the highest-rated car insurance companies, consult The Zebra's Customer Satisfaction Survey.
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Cheapest car insurance companies in Nashville, TN
| Company | Avg. 6 Mo. Premium |
|---|---|
| Penn National | $468 |
| State Farm | $483 |
| USAA | $561 |
| Farmers | $664 |
| Nationwide | $668 |
| Travelers | $680 |
| GEICO | $695 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
Searching for the ideal car insurance that fits your needs at a lower cost is possible by comparing and exploring rates. We provide convenient comparison tools that can handle the difficult work for you, enabling you to concentrate on picking the best coverage. Simply type in your ZIP code to view the rates from Progressive, State Farm, Allstate, and other leading companies to get the best and most reasonable car insurance in Nashville.
Average car insurance in Nashville by rating factor
Looking for the right car insurance can be a pain because you want it to cover what you need but still be affordable. Most insurance companies use the same factors to rate you, but they all do it differently. Some really care about your credit score, while others care more about your history of claims.
To keep your rates low as your life changes, you should get new quotes every six months or so.
Q: I didn't have an accident — Why is my insurance going up?
A:Â In Nashville, the cost of car insurance is partially determined by end-of-year earnings, which evaluate the balance between the revenue collected from premiums and the cost of paying out claims to policyholders. Even if you are a safe driver with no previous claims, you may still be charged higher rates by certain insurance providers due to the increased expenses associated with conducting business in the area.
Auto insurance premiums by age in Nashville
When computing insurance rates, one of the most important factors to consider is age. Insurance providers use data to determine the probability of drivers being in accidents or making claims. Unfortunately, teenagers have a higher accident rate than any other age group. This translates to them having to pay the highest premiums. For instance, in Nashville, teenage drivers may pay up to 155% more in premiums than drivers in their 20s.
It can feel overwhelming or unjustifiable to pay for a teen driver's insurance, but risk management is at the heart of insurance companies' operations. Since teenagers are more prone to accidents, insurance companies charge them more to cover the higher cost of claims.
Cheapest car insurance companies for teen drivers in Nashville, TN
| Company | Avg. 6 Mo. Premium |
|---|---|
| Penn National | $1,472 |
| State Farm | $1,779 |
| USAA | $1,881 |
| Travelers | $1,902 |
| GEICO | $2,203 |
| Nationwide | $2,506 |
| Farmers | $2,934 |
| Age Bracket | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Penn National | $655 |
| 30s | Penn National | $450 |
| 40s | Penn National | $407 |
| 50s | Penn National | $375 |
| 60s | Penn National | $393 |
| 70s | Penn National | $454 |
Zebra Tip:Â The cheapest companies for Nashville drivers between 20-30 are Penn National, State Farm, and USAA
According to our data, the majority of Nashville drivers fall between the ages of 20 and 30. On average, members of this group pay $1,014 every six months. Opting for these companies could lead to a potential 32% reduction in costs.
Auto insurance premiums for minimum coverage in Nashville
Your insurance rates are heavily influenced by the level of coverage that you opt for. Based on our research, 28% of Nashville drivers have only the state-mandated minimum coverage. While the law specifies a minimum coverage amount, having just the bare minimum could leave you inadequately insured in the event of an insurance claim.
Comprehensive coverage or collision coverage, often referred to as "full coverage" when purchased jointly, comes with a higher price tag but can give you extra peace of mind, which can be priceless. These coverages will need a deductible, which differs in amount and can also affect your rate. You can opt for a more substantial deductible to save on your rates. Alternatively, if you choose a lower deductible, you'll end up paying more for your policy.
Don't forget to consider other options like roadside assistance and uninsured motorist coverage which can safeguard you against uninsured or underinsured drivers. Although your insurance premium will go up, The Zebra advises including them since they provide an extra layer of protection for you later on.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
According to our data analysis, 49% of drivers in Nashville leased their vehicles. When it comes to your vehicle, if you aren't leasing or financing it, you might want to think about whether or not you should drop comprehensive or collision coverage. We recommend that you acquire the actual cash value of your car from a reputable source, such as Kelley Blue Book. Generally speaking, if your car is valued at less than $4,000, you likely won't need collision coverage. However, it's important to bear in mind that if you decide to drop these coverages, you'll be responsible for any repair costs if you're involved in an accident.
Cheapest car insurance companies for minimum coverage in Nashville, TN
| Company | Avg. 6 Mo. Premium |
|---|---|
| Penn National | $145 |
| State Farm | $161 |
| USAA | $194 |
| GEICO | $207 |
| Travelers | $236 |
| Nationwide | $241 |
| Farmers | $290 |
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
Most of our customers in Nashville opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Tennessee's 25/50/15 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $15,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in Tennesee.
Nashville car insurance rates by credit score
Credit score is a significant consideration in calculating insurance premiums in almost all states, such as Tennessee. This metric is on par with age and driving history in importance. However, the reason behind this is not well-known. According to data, people with lower credit scores are more likely to file claims, have gaps in their coverage, and engage in hazardous driving activities. Thus, insurance companies view those with higher credit scores as less risky and offer them lower rates. Improving your credit score can be an effective way to reduce your auto insurance premiums.
Nashville drivers whose credit scores range from 300-579 pay 129% more than those with scores of 800-850, according to our analysis. The data shows that most Nashville drivers have a credit score categorized as "average (580-679)." In 2023, Penn National or USAA are the most affordable insurance options for Nashville drivers in the credit tier.
Cheapest car insurance companies for bad credit in Nashville, TN
| Company | Avg. 6 Mo. Premium |
|---|---|
| Nationwide | $936 |
| Farmers | $985 |
| GEICO | $1,023 |
| USAA | $1,040 |
| Penn National | $1,157 |
| Travelers | $1,222 |
| State Farm | $3,095 |
Zebra Tip: If you recently improved your credit score, shop around for car insurance!
In Nashville, our data shows drivers with "Fair" credit pay $1,141 less for car insurance in a year than drivers with "Poor" credit. If you have recently paid off a loan or other credit-improving actions, check your preferred credit monitoring software to see if your recent efforts could save you on your car insurance!
Auto insurance rates with an at-fault accident
The most frequent insurance claims are related to collisions. During 2023, the average monthly car insurance rates in Nashville were raised from $773 to $1,155, an increase of 49%, as a result of an at-fault accident. Following an at-fault accident, the insurance provider that offers the most reasonable rates in Nashville is State Farm, with Penn National being a close runner-up in terms of savings.
Affordable auto insurance rates can be achieved regardless of where you reside by avoiding accidents and citations, keeping your driving record clean. Speeding citations, at-fault accidents, DUIs and DWIs, and reckless driving charges all result in premium increases. The duration of the impact on your premium depends on the type of citation or accident, with DUIs or DWIs having a prolonged effect.
Cheapest car insurance companies after an at-fault accident in Nashville, TN
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $593 |
| Penn National | $662 |
| USAA | $809 |
| Travelers | $911 |
| Farmers | $936 |
| Nationwide | $1,060 |
| GEICO | $1,118 |
Nashville car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Nashville.
Car insurance rate increases after violations and citations in Nashville, TN
Why is car insurance in Nashville so expensive?
If you live in Nashville, you might find auto insurance to be costly for several reasons. One reason is that the cost of living is higher than in other Tennessee cities, causing insurers to charge more to recoup their expenses. Your driving history, credit score, and coverage level are not the only factors that can affect your rates.
Let's take a look at why auto insurance can be expensive in Nashville, despite having a great driving record.
In a study conducted by Smart Growth America, Nashville ranks in the top 50 most dangerous states for pedestrians based on metrics like number of pedestrian deaths by vehicles and dangerous infrastructure design for pedestrians[1]. The state of Tennessee is the 17th most dangerous for pedestrians according to this study, accounting for higher auto insurance premiums in this area.
In Nashville, there are certain regions that experience more crime, theft, and uninsured drivers than others. If you happen to live in one of these high-crime areas, you'll most likely pay more for your auto insurance than if you reside in a different part of town. The good news is that auto insurance rates in Nashville don't fluctuate much from one ZIP code to the next. Although one ZIP code may be slightly higher, the difference is typically only a few dollars.
Expensive Nashville ZIP codes:Â 37238, 37217, 37208, 37228, 37235
Cheapest Nashville ZIP codes: 37027, 37215, 37221, 37212, 37205
In Nashville, the higher population when compared to more remote regions in Tennessee implies that there are more vehicles on the road. More vehicles lead to more accidents generally. The costs of accident-related claims are generally covered by other drivers in the area through higher premiums — this applies even to drivers who don't use their cars frequently.
According to the Insurance Information Institute, Tennessee ranks as the third-highest state in the country for uninsured drivers[2]. Based on our data, around 35% of drivers in Nashville do not have insurance. If you happen to have an accident with an uninsured driver in Nashville, you may have to pay for the entire repair cost yourself.
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Zebra Tip: Consider uninsured property damage coverage
In Nashville, we recommend carrying uninsured motorist coverage (UMPD) if you reside in areas with high percentages of uninsured drivers. This coverage can be helpful if your vehicle or you are damaged by an underinsured or uninsured driver. UMPD coverage typically has a lower deductible and is less expensive than collision coverage. Additionally, the rate increase following a UMPD claim can be much cheaper than after a collision claim.
Bundling insurance policies in Nashville
If you're trying to find ways to lower your auto insurance expenses, bundling your homeowners or renters insurance with your car insurance is an easy solution. By bundling, you could potentially save 10% or more on your combined premiums. Find out more about how bundling home and auto insurance can save you money, regardless of where you reside.
Bundling your home and auto insurance policies can result in savings, so it's worth taking the time to compare rates from multiple insurers. Shop around to see which insurance company offers the best rate for bundling, and you could save money in the long run.
Cheapest car insurance companies for bundling home and auto insurance in Nashville, TN
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $393 |
| Penn National | $414 |
| Farmers | $511 |
| USAA | $536 |
| Nationwide | $587 |
| Travelers | $612 |
| GEICO | $669 |
The rates of your auto insurance may be out of your hands, but the best way to save money is to compare quotes from a multitude of insurance providers. Finding an affordable rate that provides adequate coverage can be daunting. Be sure to consider personal factors that may impact your rate, such as relocating, celebrating a birthday, or enhancing your credit score.
Keep in mind that some companies may be more costly than others, so don't hesitate to shop around to discover the right fit for you.
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Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.