State Farm offers the cheapest car insurance in Nashville, according to our survey of providers.
State Farm customers can expect minimum-coverage car insurance to cost an average of $37 a month. The company’s full-coverage rates, meanwhile, cost $81 per month, on average.
Erie trails just behind State Farm in terms of minimum-coverage rates in Nashville. The provider’s mean monthly rate is $41, or just $4 higher than State Farm’s.
For full coverage, USAA actually offers the same average rate as State Farm. However, the group’s policies are only for active and former U.S. military members, as well as their families.
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Where to get cheap car insurance in Nashville
The most affordable car insurance in Nashville can be found at State Farm. For minimum coverage, the provider charges an average of $37 a month.
Erie and USAA are the next-best options, both offering rates of $41 a month. That said, USAA’s policies are reserved for military members and their families.
| Company | Monthly rate |
|---|---|
| State Farm | $37 |
| Erie | $41 |
| USAA | $41 |
| Progressive | $54 |
| Tennessee Farmers | $54 |
| GEICO | $54 |
| City average | $55 |
| Allstate | $56 |
| Nationwide | $102 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Tennessee law states that drivers must carry liability insurance when on the road. The required minimums for liability coverage are as follows:
- $25,000 for each injury or death per accident
- $50,000 for total injuries and deaths per accident
- $15,000 for total property damage per accident
Cheap full-coverage car insurance in Nashville
State Farm offers the most affordable full-coverage car insurance for most Nashville drivers. The company’s average full-coverage premium costs $81 per month, according to our survey.
USAA is tied with that figure, also offering policies for a monthly cost of $81. But again, those rates are reserved for the former and active military members that USAA insures.
Erie and Progressive trail just behind, with full-coverage plans costing $97 and $109 per month, respectively. Both of those rates are still below that citywide average of $125.
| Company | Monthly rate |
|---|---|
| State Farm | $81 |
| USAA | $81 |
| Erie | $97 |
| Progressive | $109 |
| City average | $125 |
| Allstate | $126 |
| GEICO | $134 |
| Tennessee Farmers | $155 |
| Nationwide | $215 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance usually includes liability, collision and comprehensive coverages, in addition to other optional coverages, such as uninsured motorist coverage, personal injury protection (PIP) or money for rental cars.
No state requires full coverage, but many lenders and lessors do. Additionally, it’s often recommended for those with new or expensive vehicles.
Compare rates from Nashville's top car insurance companies
Cheapest car insurance in Nashville for drivers with a DUI
State Farm also has Nashville’s cheapest car insurance rates for drivers with a DUI. For a driver with one DUI on their record, the provider charges an average of $89 a month for full coverage.
Progressive comes in second, with rates averaging $128 per month. The provider is followed by Erie and, for those who qualify, USAA.
In Nashville, a DUI raises a driver’s full-coverage rate by 67%. Citywide, the overall mean cost is $125 a month, but for those with a DUI, that number increases to $209.
| Company | Monthly rate |
|---|---|
| State Farm | $89 |
| Progressive | $128 |
| Erie | $148 |
| USAA | $154 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in Nashville for drivers with accidents or tickets
Those seeking the cheapest car insurance for drivers with an accident should head to State Farm. There, Nashville drivers with one accident on their record will pay an average of $96 a month for full coverage.
The citywide full-coverage average for drivers with an accident on their record is $162 per month. USAA, Erie and Tennessee Farmers all offer options below that threshold.
| Company | Monthly rate |
|---|---|
| State Farm | $96 |
| USAA | $121 |
| Erie | $124 |
| Tennessee Farmers | $155 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Again, State Farm leads the way with the best rates for Nashville drivers with a speeding ticket. The provider’s average full-coverage rate for a driver with one ticket on their record is $89 a month.
USAA trails close behind, for those who qualify. The group’s monthly cost of $97 is still almost $50 beneath the citywide average of $142.
| Company | Monthly rate |
|---|---|
| State Farm | $89 |
| USAA | $97 |
| Erie | $101 |
| GEICO | $134 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheap car insurance in Nashville for teen drivers
Erie has the cheapest car insurance for teen drivers in Nashville. The company offers minimum-coverage rates of $88 per month — that’s for an 18-year-old with a clean driving record.
In Nashville, teens pay a good deal more than the average driver. Overall, the citywide average for minimum-coverage car insurance is $55 per month. For teens, it’s $206 — almost 300% more.
| Company | Monthly rate |
|---|---|
| Erie | $88 |
| USAA | $114 |
| State Farm | $119 |
| Allstate | $177 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Erie also has the most affordable full-coverage rates for teens in Nashville. There, an 18-year-old with a clean record will get a full-coverage policy for an average of $221 a month.
For those who qualify, USAA is a close second. The group’s average monthly rate is $223, which is less than half the citywide average of $446.
| Company | Monthly rate |
|---|---|
| Erie | $221 |
| USAA | $223 |
| State Farm | $260 |
| Allstate | $447 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find cheap car insurance in Nashville no matter your age
Cheap car insurance in Nashville for senior drivers
State Farm has the cheapest car insurance for senior drivers in Nashville. For minimum coverage, the company charges just $35 a month.
In our survey, a “senior” was defined as a 60-year-old with a clean driving record. That means no tickets, no accidents and no DUIs.
| Company | Monthly rate |
|---|---|
| State Farm | $35 |
| Erie | $37 |
| USAA | $41 |
| Progressive | $46 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For full coverage, seniors also can find the best deal at State Farm. There, a 60-year-old with a clean record will pay a monthly rate of $75 on average.
Still, USAA, Erie and Progressive all offer affordable plans. Each provider’s premium falls well below the citywide average of $110.
| Company | Monthly rate |
|---|---|
| State Farm | $75 |
| USAA | $78 |
| Erie | $88 |
| Progressive | $88 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Nashville car insurance requirements
In Nashville, drivers are required to carry liability insurance that meets certain minimum thresholds. Here are those requirements:
- $25,000 for each injury or death per accident
- $50,000 for total injuries and deaths per accident
- $15,000 for total property damage per accident
Full coverage, meanwhile, typically features liability, collision and comprehensive coverages, as well as other optional add-ons. These may include uninsured motorist coverage, personal injury protection (PIP) or money for rental cars.
No state requires full-coverage car insurance, but lenders or lessors may. It’s also often a good idea for drivers with expensive or brand-new vehicles.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Nashville ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Tennessee’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Memphis
- Nashville
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