Best Cheap Auto Insurance in Nashville, TN (2021)

The average Nashville, TN auto insurance rates are $308 per month. The minimum auto insurance in Nashville is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Nashville, Tennessee, compare quotes from multiple companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 4, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Nashville for teen drivers is Liberty Mutual
  • The average commute length in Nashville is 25.0 minutes
  • The minimum auto insurance required in Nashville, Tennessee is 25/50/15

Nashville, Tennessee auto insurance requirements are 25/50/15 according to Tennessee auto insurance laws. Finding cheap auto insurance in Nashville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Nashville, Tennessee, including driving record, credit, commute time, and more.

Compare auto insurance in Nashville to other Tennessee cities, including Clarksville auto insurance rates, Jackson auto insurance rates, and Franklin auto insurance rates to see how Nashville, Tennessee auto insurance rates stack up.

Before you buy Nashville, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Nashville, Tennessee auto insurance quotes.

Minimum Auto Insurance in Nashville, Tennessee

Nashville, Tennessee auto insurance laws require that you have at least the Tennessee minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Nashville, Tennessee.

Minimum Required Auto Insurance Coverage in Nashville, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Nashville, Tennessee Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Nashville, Tennessee are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Nashville, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,763 $2,650 $2,492 $2,586 $10,493 $11,440 $2,937 $3,033
Farmers $1,702 $1,732 $1,520 $1,671 $7,053 $7,516 $2,316 $2,463
GEICO $2,095 $2,109 $1,923 $1,923 $6,596 $6,690 $2,143 $2,212
Liberty Mutual $3,614 $129 $2,965 $3,316 $15,219 $16,917 $3,877 $4,126
Nationwide $2,331 $2,348 $2,089 $2,119 $6,521 $8,403 $2,688 $2,914
Progressive $1,950 $1,824 $1,596 $1,669 $9,055 $10,175 $2,350 $2,559
State Farm $1,642 $1,642 $1,494 $1,494 $5,187 $6,479 $1,861 $2,165
Travelers $1,811 $1,906 $1,658 $1,764 $5,189 $6,474 $1,926 $2,026
USAA $1,477 $1,501 $1,336 $1,335 $5,260 $6,038 $1,930 $2,047

Cheap Nashville, Tennessee Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Nashville, Tennessee is a challenge. Take a look at the annual teen auto insurance rates in Nashville, Tennessee.

Annual Auto Insurance Rates for Teen Drivers in Nashville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,493 $11,440
Farmers $7,053 $7,516
GEICO $6,596 $6,690
Liberty Mutual $15,219 $16,917
Nationwide $6,521 $8,403
Progressive $9,055 $10,175
State Farm $5,187 $6,479
Travelers $5,189 $6,474
USAA $5,260 $6,038

Cheap Nashville, Tennessee Auto Insurance for Seniors

What are senior auto insurance rates in Nashville, Tennessee? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Nashville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,492 $2,586
Farmers $1,520 $1,671
GEICO $1,923 $1,923
Liberty Mutual $2,965 $3,316
Nationwide $2,089 $2,119
Progressive $1,596 $1,669
State Farm $1,494 $1,494
Travelers $1,658 $1,764
USAA $1,336 $1,335

Cheap Nashville, Tennessee Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Nashville, Tennessee compared to the annual auto insurance rates with a clean record in Nashville, Tennessee.

Annual Nashville, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,014 $4,789 $5,798 $4,597
Farmers $2,781 $3,428 $3,498 $3,279
GEICO $2,350 $3,130 $5,017 $2,350
Liberty Mutual $5,080 $7,340 $6,819 $5,842
Nationwide $3,179 $3,179 $4,782 $3,566
Progressive $3,430 $4,472 $3,652 $4,036
State Farm $2,492 $2,999 $2,746 $2,746
Travelers $2,303 $2,963 $3,279 $2,832
USAA $1,904 $2,853 $3,344 $2,362

Cheap Nashville, Tennessee Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Nashville, Tennessee is not easy. Compare the annual rates for DUI auto insurance in Nashville, Tennessee to find the best deal.

Annual Auto Insurance Rates After a DUI in Nashville, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,798
Farmers $3,498
GEICO $5,017
Liberty Mutual $6,819
Nationwide $4,782
Progressive $3,652
State Farm $2,746
Travelers $3,279
USAA $3,344

Cheap Nashville, Tennessee Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Nashville, Tennessee annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Nashville, Tennessee

Insurance Company Poor Fair Good
Allstate $6,119 $4,694 $3,585
Farmers $3,846 $3,028 $2,866
GEICO $3,639 $3,122 $2,873
Liberty Mutual $8,972 $5,521 $4,318
Nationwide $4,412 $3,509 $3,109
Progressive $4,361 $3,785 $3,547
State Farm $3,988 $2,392 $1,857
Travelers $3,610 $2,848 $2,074
USAA $3,782 $2,226 $1,839

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Cheap Nashville, Tennessee Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Nashville, Tennessee can vary. Compare the annual cost of auto insurance by ZIP code in Nashville, Tennessee to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Nashville, Tennessee

ZIP Code Average Annual Rates
37080 $3,868
37201 $3,757
37203 $3,704
37204 $3,841
37205 $3,741
37206 $3,926
37207 $3,896
37208 $3,820
37209 $3,777
37210 $3,719
37211 $3,846
37212 $3,651
37213 $3,702
37214 $3,872
37215 $3,714
37216 $3,742
37217 $4,006
37218 $3,730
37219 $3,751
37220 $3,716
37221 $3,748
37228 $3,722
37235 $3,725
37238 $3,736
37240 $3,686

Cheap Nashville, Tennessee Auto Insurance Rates By Commute

Commute length and annual mileage affect Nashville, Tennessee auto insurance. Find the cheapest annual Nashville, Tennessee auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Nashville, Tennessee

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,799 $4,799
Farmers $3,246 $3,246
GEICO $3,188 $3,235
Liberty Mutual $6,270 $6,270
Nationwide $3,677 $3,677
Progressive $3,897 $3,897
State Farm $2,679 $2,812
Travelers $2,732 $2,956
USAA $2,542 $2,689

Cheap Nashville, Tennessee Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Nashville, Tennessee? Check out the comparison of annual Nashville, Tennessee auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Nashville, Tennessee

Insurance Company Low Medium High
Allstate $4,624 $4,787 $4,986
Farmers $3,081 $3,235 $3,423
GEICO $3,046 $3,206 $3,383
Liberty Mutual $5,996 $6,272 $6,544
Nationwide $3,701 $3,599 $3,730
Progressive $3,628 $3,903 $4,161
State Farm $2,574 $2,760 $2,902
Travelers $2,664 $2,842 $3,027
USAA $2,527 $2,606 $2,714

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Best By Category: Cheapest Auto Insurance in Nashville, Tennessee

Compare the cheapest auto insurance companies in Nashville, Tennessee in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Nashville, Tennessee

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Nashville, Tennessee Auto Insurance Companies

What auto insurance companies in Nashville, Tennessee are the cheapest? Compare the top Nashville, Tennessee auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Nashville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,799
Farmers $3,246
GEICO $3,211
Liberty Mutual $6,270
Nationwide $3,677
Progressive $3,897
State Farm $2,746
Travelers $2,844
USAA $2,616

What affects auto insurance rates in Nashville, Tennessee?

There are a lot of reasons why auto insurance rates in Nashville, Tennessee are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Nashville, Tennessee. Many local factors may affect your Nashville auto insurance rates.

Nashville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Nashville, Tennessee commute length is 25.0 minutes according to City-Data.

Nashville Traffic

How does Nashville, Tennessee rank for traffic? According to Inrix Nashville, Tennessee is the 278th most congested worldwide.

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Compare Nashville, Tennessee Auto Insurance Quotes

Before you buy Nashville, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Nashville, Tennessee auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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