Who Has The Cheapest Auto Insurance Quotes in Nashville, TN?
The cheapest car insurance in Nashville is from State Farm, at $27 per month for minimum coverage and $67 per month for full coverage.
Compare Car Insurance Rates in Nashville, TN
Best cheap car insurance companies in Nashville
To help you find the best cheap car insurance in Nashville, ValuePenguin compared thousands of car insurance quotes from the top companies in Tennessee. We rated the cheapest companies based on factors like cost, coverage and customer service.
Cheapest car insurance in Nashville: State Farm
State Farm has the cheapest full-coverage insurance in Nashville at $67 per month — 45% less than the typical price in Nashville overall.
Another affordable option is USAA, at $72 per month. However, you're only eligible for a policy from USAA if you've served in the military or you have a family member who's had insurance from USAA at some point in their lives.
Find Cheap Auto Insurance Quotes in Nashville
Cheapest Nashville full-coverage quotes
Company | Monthly rate | |
|---|---|---|
| State Farm | $67 |
| Geico | $117 |
| Erie | $120 |
| Travelers | $125 |
| Progressive | $155 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Nashville: State Farm
State Farm has the cheapest car insurance in Nashville, as its affordable rate of $27 per month is 39% less than the city's average rate of $45.
USAA's rates are even cheaper, but you can only buy coverage there if you're affiliated with the military.
Other affordable options include Farm Bureau and Geico, but at $44 per month, they are nearly twice as expensive as State Farm or USAA.
Find Cheap Auto Insurance Quotes in Nashville
Cheapest car insurance in Nashville, TN
Company | Monthly rate | |
|---|---|---|
|
| State Farm | $27 |
| Farm Bureau | $44 |
|
| Geico | $44 |
|
| Erie | $48 |
|
| Travelers | $50 |
*USAA is only available to current and former military members and their families.
Best car insurance for young Nashville drivers: State Farm
State Farm offers the best rate to most Nashville drivers, with a typical price of $93 per year for minimum coverage. That's 16% cheaper than the second most affordable option, Geico.
State Farm also had the cheapest widely available option for full coverage, at $211 per month.
Younger drivers typically pay much higher rates for car insurance because they have less experience behind the wheel and are more likely to take risks. An 18-year-old in Nashville will pay more than three times as much as a 30-year-old for an identical full-coverage policy.
Cheapest car insurance for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $93 | $211 |
| Geico | $112 | $268 |
| Erie | $113 | $275 |
| Travelers | $145 | $346 |
| Farm Bureau | $148 | $458 |
Cheapest car insurance after a speeding ticket in Nashville: State Farm
State Farm has the best prices for drivers with speeding tickets in Nashville, at $73 per month. It only raised rates by about 9%, while other companies raised rates by 15%, on average.
Drivers who are caught speeding often see higher rates after the ticket appears on their records, as insurance companies have found evidence that risky driving leads to a greater chance of accidents and more frequent claims.
Cheapest car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $73 |
| Erie | $124 |
| Geico | $135 |
| Farm Bureau | $156 |
| Travelers | $160 |
Insurance companies have found that people with recent speeding tickets on their records are more likely to file claims in the future, so your insurance bill will go up if you've gotten a ticket this year.
Cheapest insurance in Nashville for drivers with accident histories: State Farm
State Farm has the best prices for car insurance after an at-fault accident, with an average monthly price of $79 for a 30-year-old driver. That's $76 cheaper per month than the second-best option, Erie Insurance.
The average quote for car insurance in Nashville after an accident is $170 per month, or 41% more than without a crash on your record.
Cheapest insurance for drivers after an accident
Company | Monthly rate |
|---|---|
| State Farm | $79 |
| Erie | $156 |
| Farm Bureau | $156 |
| Travelers | $176 |
| Geico | $218 |
Depending on your insurance company, you may see a major jump in costs after an accident. That's because drivers who have been at fault in one crash are more likely to make another claim in the future.
Accidents are unpredictable; you never know when you might be involved in one. Having an accident on your record affects your rates tremendously, which is why we recommend comparing car insurance from multiple companies and looking for extra discounts.
Cheapest car insurance after a DUI in Nashville: State Farm
After a DUI, State Farm's prices increase to $73 per month for full coverage. It's the only company whose rates are less than $100 per month after a DUI and less than half the price of the next-best option, Geico.
Drivers who've been convicted of driving while under the influence often see big spikes in their insurance bills. Rates increase by 49% on average.
Cheapest car insurance after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $73 |
| Progressive | $175 |
| Travelers | $184 |
| Erie | $187 |
| Allstate | $216 |
Cheapest car insurance for drivers with poor credit: Geico
Geico has the best rates for drivers with bad credit in Nashville. Its average rate of $177 per month is 17% less than the average citywide.
Cheapest car insurance for Nashville drivers with poor credit
Company | Monthly rate |
|---|---|
| Geico | $177 |
| Farm Bureau | $181 |
| State Farm | $210 |
| Travelers | $221 |
| Allstate | $261 |
While your credit score doesn't have anything to do with your driving ability, insurance companies have found that someone with a lower credit score is more likely to make an insurance claim. As such, having worse credit means you'll pay more for car insurance.
Best insurance company for customer service in Nashville, Tennessee
Erie, Farm Bureau and State Farm are the best car insurance companies in Nashville.
These companies have fewer complaints from customers than expected, suggesting people tend to be satisfied with their service. They were also ranked highly by ValuePenguin editors.
USAA is also well-known for its great service, but it's only available if you're affiliated with the military.
Company |
Editor's rating
|
|---|---|
| Erie | |
| Farm Bureau | |
| State Farm | |
| USAA | |
| Geico | |
| Travelers | |
| Allstate | |
| Progressive |
Average cost of insurance by Nashville area
Brentwood residents pay the least for car insurance in Nashville — the average price there is $115 per month for full coverage.
Meanwhile, Glencliff is the most expensive neighborhood for car insurance. There, the average price is $125 per month.
One factor that impacts how much you'll pay for car insurance is where you live. We found a difference of about $100 per year between the cheapest and most expensive neighborhoods.
ZIP code | Average monthly cost | Percentage from average |
|---|---|---|
| 37027 | $115 | -5% |
| 37072 | $118 | -3% |
| 37080 | $120 | -1% |
| 37201 | $123 | 2% |
| 37203 | $119 | -2% |
What's the best car insurance coverage in Nashville, TN?
The cheapest auto insurance policy a driver can get is a minimum-liability policy, which provides the lowest amount of coverage a state requires drivers to hold in order to legally operate a vehicle.
Although a liability-only policy is the cheapest coverage option, it's not the best option for most people. For example, drivers insured with a liability-only policy are not financially protected from damage caused by storms or tornadoes, and you need full coverage if your car is financed with a lease or loan.
Nashville residents who own new vehicles or cars worth more than $5,000 should invest in higher coverage limits and extra protection options.
Drivers insured with a full-coverage policy include all state-required coverages, like liability for bodily injury and property damage, plus comprehensive and collision coverage, which pay to repair damage to your vehicle.
- Comprehensive coverage pays to repair damage to your car from damage other than a collision, such as hail or vandalism. It also covers theft.
- Collision coverage pays to fix damage to your car as a result of a crash, regardless of whether or not you were at fault.
Full-coverage insurance isn't required by law, but it's often a condition of getting a lease or loan, so you may need to get it in order to qualify for financing.
Methodology
To find the best cheap car insurance in Nashville, ValuePenguin collected quotes from the most popular insurance companies in Tennessee. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full-coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requirement.
Coverage | Full coverage limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.