Best Auto Insurance Rates in Nashville, Tennessee

On average, your neighbors pay $60 a month.

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Compare Auto Insurance Quotes in Nashville, TN

Nashville’s nickname is the Music City, as it’s home to the Grand Ole Opry, Warner Bros. Records, Gibson Guitars, and many more. They even call the commuter rail system the Music City Star--though most Nashville residents prefer to drive. And that means they need affordable car insurance rates.

Average Nashville Car Insurance Rates

How much is car insurance in Nashville, TN? Average car insurance rates in Nashville are higher than the national average thanks to urban living conditions that include high crime, traffic congestion, and poorly maintained city streets. On average, the cost of auto insurance in Tennessee is $724.81 a year. The national average is $866.31.

Prices may vary depending on your driving record and the number of claims filed in your zip code.

Tennessee Average Annual Car Insurance Rates
Coverage Rates
Liability $409.79
Collision $301.17
Comprehensive $144.60
Total Annual Cost $724.81
Price Per Month $60.40

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance near Nashville, Tennessee and save up to 40% on your premium.

Last year, 7,956 people used QuoteWizard to compare auto insurance quotes in Nashville, TN from several companies, and find the cheapest rates.

Top 10 Vehicles in Nashville

These are the most common car makes and models owned by Nashville drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Nissan Altima 2.5 S
  4. Chevrolet Impala LS
  5. Ford Mustang
  6. Toyota Camry LE/XLE/SE
  7. Chevrolet Malibu LS
  8. Ford Taurus
  9. Ford Explorer
  10. Honda Civic LX
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Nashville

This is our list of the most common car insurance companies reported by QuoteWizard users living in Nashville, TN last year.

Other popular Nashville, Tennessee car insurance companies: USAA, Tennessee Farm Bureau, MetLife, Erie, Country Financial, Hartford, 21st Century, and American Family.

Nashville Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Nashville. TN ranked 107th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.4 years.

Nashville drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Several factors influencing insurance rates are the driving conditions.

Weather

Nashville has a humid subtropical climate with weather ranging from very hot and humid in the summer to chilly during the winter. Spring and fall are pleasant with warm weather lasting well into late October. Thanks to its geographic location, weather can vary significantly and change swiftly depending on which direction the winds are blowing. This city is no stranger to snow; the city averages 3.9 inches a year. Snow paralyzes the city. Rainfall averages 53.68 inches a year and is distributed evenly throughout the year. Summer months tend to be slightly drier and winter months wetter.

Road Conditions

Nashville roads are in poor shape and getting worse thanks to shrinking street maintenance budgets. The increasing number of potholes is especially troubling because of the damage they can cause, some of which is severe enough to warrant an insurance claim. According to TRIP, the poor condition of city streets costs local drivers an additional $239 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

TomTom ranked Nashville 19th for worst traffic congestion in the US. TomTom's data shows that an average commuter spends an extra 33 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 125 hours a year for commutes lasting 30 minutes.

In another study by traffic data provider Inrix, Nashville ranked 29th in the nation for yearly traffic delays. According Inrix, local commuters wasted 45 hours in traffic congestion last year.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and make you a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Davidson County Office of the Circuit Court Clerk Traffic Violation Bureau website allows you to pay traffic citations and tells drivers how to contest tickets.

Red Light Cameras

Nashville has numerous intersections equipped with red light cameras. This web page lists them.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Nashville DUI insurance.

Traffic Fatalities

Nashville reported 65 fatal crashes in 2013, a rate of 1.73 fatalities per 100,000 city residents.

All traffic deaths are a tragic loss, but considering Nashville’s estimated population of 660,388 this is still a relatively safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Nashville reported 1,747 vehicle thefts in 2016. That's a rate of 2.64 per 1,000 residents. The motor vehicle theft rate in Nashville is slightly worse than the national rate of 2.20 per 1,000 people.

Legal Minimum Insurance Requirements

Nashville, Tennessee has a minimum coverage requirement known as the 25/50/15 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The total your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $15,000.
    The maximum your carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

If you want to find low-cost car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Nashville, TN. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companie.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  4. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  7. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  8. Are you married or getting married soon? Some insurers offer a discount to married couples
  9. Take a defensive driving course (Driver's Ed)
  10. Shop around and compare affordable Nashville auto insurance quotes

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