Who Has Affordable Nashville Auto Insurance Quotes for 4×4 Vehicles?

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.

Cheapest Vehicles to Insure in Nashville, TN
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
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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

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Cheapest insurance companies in Tennessee
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
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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.

How much is auto insurance in Nashville, TN?
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.

Best Ten Car Insurance Companies for 4×4 Vehicles in Nashville
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
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Data Source: Insure.com Best Car Insurance Companies

Discount Nashville auto insurance rates

Car insurance for off-road vehicles in Nashville, TNCar 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:

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.

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.

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