Wouldn’t it be so easy if you could just magically know the exact company that has the cheapest policy rates for 4×4 vehicles? It’s just not that simple, as there are a lot of unknown factors like the type of vehicle you drive, the number of miles you drive each year, if you are a homeowner or renter, and where you live in Nashville, that all go into determining the rate you pay. Car insurance is kind of a dry topic, but this article will explain some of these criteria and educate you enough to have a good start in finding the cheapest insurance in Tennessee.
The make and model of vehicle that is being insured is a large factor that determines the availability of cheap coverage for 4×4 vehicles. Vehicles with limited speed and performance, modern passenger safety features, or a positive history of liability claims will cost much less to insure than high performance models.
The list below illustrates insurance rates for a handful of the most budget-friendly vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $993 |
| Ford Escape Limited 2WD | $1,016 |
| Ford Explorer XLT AWD | $1,114 |
| Nissan Altima 2.5 4-Dr Sedan | $1,177 |
| Toyota RAV4 Limited 2WD | $1,183 |
| Chevrolet Equinox LS AWD | $1,177 |
| Ford F-150 Lariat Super Cab 2WD | $1,200 |
| Dodge Grand Caravan SE | $1,216 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,220 |
| Toyota Prius | $1,243 |
| Ford Focus S 4-Dr Sedan | $1,263 |
| Ford Fusion SEL 4-Dr Sedan | $1,265 |
| Volkswagen Jetta 2.0T Station Wagon | $1,303 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,321 |
| Hyundai Sonata SE 4-Dr Sedan | $1,326 |
| Jeep Grand Cherokee Laredo 2WD | $1,328 |
| Kia Optima EX | $1,348 |
| Chevrolet Silverado LTZ Crew Cab 2WD | $1,354 |
| GMC Sierra Denali Crew Cab 2WD | $1,350 |
| Toyota Camry XLE | $1,357 |
| Chevrolet Malibu LT | $1,362 |
| Chevrolet Impala LTZ | $1,357 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,366 |
| Compare Cheap Rates Go | |
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific garaging location which can impact rates substantially.
By looking at the data, you can see that vehicles like the Honda CR-V, Ford Escape, Ford Explorer, and Nissan Altima should be a few of the most affordable vehicles to insure for off-road vehicles.
Buying cost effective car insurance is tough enough, and determining which company quotes the cheapest car insurance rates for 4×4 vehicles will involve even more perseverance. Every insurance provider has their own unique process for filing rates in each state, so first we will examine the most affordable car insurance companies in Tennessee.
Find the Cheapest Car Insurance for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $744 |
| 2 | Auto-Owners | $852 |
| 3 | Cincinnati Insurance | $858 |
| 4 | Penn National | $908 |
| 5 | Tennessee Farmers | $923 |
| 6 | USAA | $947 |
| 7 | Erie | $997 |
| 8 | Nationwide | $1,012 |
| 9 | Westfield | $1,037 |
| 10 | Allied | $1,049 |
| 11 | GEICO | $1,110 |
| 12 | Travelers | $1,165 |
| 13 | Shelter | $1,199 |
| 14 | State Farm | $1,201 |
| 15 | Direct General | $1,214 |
| 16 | Progressive | $1,226 |
| 17 | State Auto | $1,254 |
| 18 | The Hartford | $1,258 |
| 19 | 21st Century | $1,261 |
| 20 | Chubb | $1,290 |
| Get a Custom Quote Go | ||
Utica National may offer some of the best car insurance rates in Nashville at around $744 a year. This is $584 less than the average price paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also qualify as some of the lowest-priced Nashville, TN car insurance companies.
In the above rates, if you are a customer of Tennessee Farmers and switched to Auto-Owners, you might see a yearly price reduction of roughly $71. Customers with USAA may save as much as $95 a year, and Erie insureds might cut rates by $145 a year.
If you want to see how much you could save, click here to start your free quote or click several companies below for low rates.
Understand that those premiums are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for 4×4 vehicles. So the insurer that is best suited for you may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.
For off-road vehicles, one of the largest components that help determine the amount you pay for auto insurance is where your car is garaged. Areas with more people or more claims tend to have higher rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The information below shows the most expensive cities in Tennessee for 4×4 vehicles in which to buy car insurance. Nashville is listed at #12 with a yearly premium of $1,177 for the average policy, which is approximately $98 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Memphis | $1,490 |
| 2 | Bartlett | $1,405 |
| 3 | Germantown | $1,320 |
| 4 | Collierville | $1,309 |
| 5 | Jackson | $1,305 |
| 6 | Oak Ridge | $1,247 |
| 7 | Knoxville | $1,230 |
| 8 | Maryville | $1,196 |
| 9 | Columbia | $1,190 |
| 10 | La Vergne | $1,186 |
| 11 | Smyrna | $1,183 |
| 12 | Nashville | $1,177 |
| 13 | Morristown | $1,171 |
| 14 | Hendersonville | $1,170 |
| 15 | Chattanooga | $1,161 |
| 16 | Clarksville | $1,158 |
| 17 | Spring Hill | $1,157 |
| 18 | Murfreesboro | $1,148 |
| 19 | Cookeville | $1,147 |
| 20 | Franklin | $1,140 |
| 21 | Brentwood | $1,133 |
| 22 | Gallatin | $1,133 |
| 23 | Cleveland | $1,102 |
| 24 | Kingsport | $1,068 |
| 25 | Johnson City | $1,041 |
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Prices are approximated as the specific garaging location can change price quotes greatly.
Ending up with the top insurer can be a challenge considering how many choices drivers have in Tennessee. The company rank data in the next section could help you decide which insurers to look at comparing rate quotes with.
The rankings below are for major nationwide insurance companies, so companies that focus mainly on Tennessee business are not factored into this list. To check prices from these top insurers and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discount Nashville auto insurance rates
Car insurance companies that provide policies for 4×4 vehicles may have premium discounts that may potentially lower prices by 25% or more if you qualify for them. Large car insurance companies and a selection of discounts include:
- State Farm offers premium reductions for Steer Clear safe driver discount, driver’s education, accident-free, Drive Safe & Save, anti-theft, safe vehicle, and multiple autos.
- American Family policyholders can earn discounts including Steer into Savings, TimeAway discount, air bags, early bird, multi-vehicle, and mySafetyValet.
- GEICO may include discounts for good student, military active duty, anti-theft, federal employee, seat belt use, and driver training.
- 21st Century includes discounts for 55 and older, theft prevention, air bags, teen driver, anti-lock brakes, driver training, and good student.
- Progressive discounts include online signing, good student, continuous coverage, multi-vehicle, online quote discount, and homeowner.
The diagram below visualizes the comparison of insurance costs with and without discounts. The price estimates are based on a female driver, no tickets, no at-fault accidents, Tennessee state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, marriage, multiple vehicle, defensive driving course, and safe-driver discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for 4×4 vehicles is 28% or $535.
How careless driving impacts Nashville car insurance rates
One of the best ways to find low car insurance prices in Nashville for off-road vehicles is to be an attentive driver and avoid accidents and traffic citations. The chart below highlights how traffic violations and at-fault claims can influence auto insurance costs for each different age category. The data assumes a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy in Nashville per year with no accidents or violations is $1,446. Factor in two speeding tickets and the average cost increases to $1,939, an increase of $492 each year. Then add in one accident along with the two speeding tickets and the annual cost of car insurance for 4×4 vehicles jumps again to an average of $2,429. That’s an increase of $982, or $82 per month, just for being a careless driver!
How to find budget-friendly car insurance for 4×4 vehicles
Below you’ll find a few thrifty solutions that can help you find lower-cost auto insurance.
- Discounts for being claim-free can be substantial
- Prevent rate increases by staying accident-free
- Pay lower rates with good credit
- Drive vehicles with five-star safety ratings
- Avoid getting citations and tickets
- Shop around for cheaper rates regularly
That last idea is extraordinarily important, as was discussed in the prior information. Coverage prices fluctuate considerably, so drivers shouldn’t hesitate to buy from a different company if a lower-cost policy is available.
Sticking with a specific company is fine, but we do not recommend it if that stubbornness costs you a wad of cash every year. Now is a great time to shop around and find cheaper car insurance for 4×4 vehicles in Nashville.
The Nashville, TN, insurance agents below are willing to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, since lots of people like to get some guidance when shopping around for cheaper insurance for 4×4 vehicles. It can be time-consuming to find the best coverage on your own, so insurance agents licensed in the state of Tennessee can give peace of mind knowing your coverage gives you enough coverage when you need it. To find a Nashville insurance agent nearest to you, click the link after the list or click here to compare price quotes.
- Mark Le Clair – State Farm Insurance Agent
5548 Franklin Pike #201 – Nashville, TN 37220 – (615) 292-9233 - Allstate Insurance: Royce Williams
5517 Charlotte Pike – Nashville, TN 37209 – (615) 356-4800 - Spann Agency
710 Thompson Ln – Nashville, TN 37204 – (615) 383-8000