Compare Auto Insurance in Nashville
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. The average cost of auto insurance in Tennessee is $737.59 per year. The national average price is $889.01.
Prices may vary depending on your driving record and the number of claims filed in your zip code.
|Total Annual Cost||$737.59|
|Price Per Month||$61.460|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Tennessee insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Tennessee car insurance rates increased from $649 in 2011 to $737 in 2015, a jump of $87 dollars, or 13.48 percent.
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 multiple companies to find the cheapest rates.
Best Car Insurance Companies in Nashville, TN
This is our list of the most common car insurance companies reported by QuoteWizard users living in Nashville, TN last year.
Other popular Nashville, TN car insurance companies: USAA, Tennessee Farm Bureau, MetLife, Erie, Country Financial, Hartford, 21st Century, and American Family.
Top 10 Vehicles
These are the most common car makes and models owned by Nashville, Tennessee drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Honda Accord EX/LX
- Nissan Altima 2.5 S
- Chevrolet Impala LS
- Ford Mustang
- Toyota Camry LE/XLE/SE
- Chevrolet Malibu LS
- Ford Taurus
- Ford Explorer
- Honda Civic LX
Minimum Car Insurance Requirements in Nashville, TN
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.
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.
Several factors influencing insurance rates are the driving conditions.
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.
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, 8 percent of Nashville's roads are in poor condition. Another 27 percent are in mediocre condition. The condition of city streets costs local drivers an additional $338 a year due to higher vehicle operating costs, car accidents, and traffic congestion.
TomTom ranked Nashville 122nd for worst traffic congestion in the world. TomTom's data shows that an average commuter spends an extra 32 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 124 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.
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.
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.
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.
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.
- Don’t forget about bundling policies. Many people have more than one insurance policy, and if you buy them both from one company, you can cut 20 percent off your rates.
- There are an average of two cars in a Nashville household. If you have two or more cars, ask about a multi-car discount.
- Auto theft in Nashville is on the rise. If you add anti-theft measures like LoJack or Teletrac, you can get a discount on your premium.
- Had your policy for a few years? See if your insurer has a long-term policyholder discount. Many insurance companies like to reward loyalty.
- Nashville has become very popular with retirees. If you’re one of them, see if your insurance company has a discount for you.
- City of Nashville, Tennessee
- Davidson County Office of the Circuit Court Clerk - Traffic Violation Bureau
- Nashville Tennessee Crime Rates
- National Highway Traffic Safety Administration
- United States Census Bureau - Nashville, TN
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