For eco-friendly vehicles, one of the more important components that are used to help calculate the amount you pay for auto insurance is where you choose to live. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The following table shows the most expensive areas in Tennessee for electric cars in which to buy car insurance. Nashville shows up at #6 with the annual price of $1,213 for the average insurance policy, which is around $101 monthly.
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Table data uses comparative as the garaging address in Nashville can lower or raise rates greatly.
The vehicle model that is being insured is one of the largest considerations when consumers are trying to find the cheapest car insurance for electric cars. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models. The next list presents insurance costs for a selection of the more affordable vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,025|
|Ford Escape XLT 2WD||$1,126|
|Honda CR-V EX 2WD||$1,135|
|Chevrolet Silverado LS Regular Cab 4WD||$1,128|
|Dodge Grand Caravan SE||$1,151|
|Chevrolet Impala LT||$1,217|
|Toyota Camry LE||$1,226|
|Toyota RAV4 Limited 2WD||$1,217|
|Jeep Grand Cherokee Laredo 4WD||$1,223|
|Volkswagen Jetta S 4-Dr Sedan||$1,217|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,233|
|Ford Explorer Limited 4WD||$1,240|
|Chevrolet Malibu LT||$1,247|
|GMC Sierra SL Crew Cab 4WD||$1,306|
|Ford F-150 Lariat Crew Cab Harley 4WD||$1,329|
|Chevrolet Equinox LS AWD||$1,331|
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.
Based upon the table data, we can presume that makes and models like the Hyundai Elantra, Ford Escape, Honda CR-V, and Chevrolet Silverado will definitely be a few of the most affordable vehicles to insure for eco-friendly vehicles.
Get discount Nashville insurance
Auto insurance companies that offer cheap quotes for electric cars may additionally offer rate discounts that can lower rates by 35% or more if you are eligible to receive them. The best car insurance companies and some of their more popular discounts are detailed below.
- State Farm includes discounts for Steer Clear safe driver discount, good driver, multiple autos, driver’s education, good student, and student away at school.
- GEICO has discounts for military active duty, air bags, multi-vehicle, emergency military deployment, federal employee, anti-theft, and multi-policy.
- Liberty Mutual may include discounts for good student, preferred payment discount, teen driver discount, hybrid vehicle, new vehicle discount, and new graduate.
- The Hartford may have discounts that include defensive driver, air bag, driver training, bundle, and good student.
- MetLife discounts include claim-free, good student, defensive driver, multi-policy, good driver, accident-free
- Progressive offers discounts including good student, online quote discount, multi-vehicle, continuous coverage, homeowner, and online signing.
The illustration below compares car insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, no violations or accidents, Tennessee state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, marriage, passive restraint, safe-driver, homeowner, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for electric cars is 28% or $433.
Which car insurance company is best in Tennessee?
Selecting a good quality insurance provider can be a challenge considering how many different companies there are to choose from in Nashville. The company information in the lists below could help you choose which car insurance companies you want to consider when comparing auto insurance rates for electric cars.
The ratings below are only comprised of major nationwide insurance companies, so companies that only write business in Tennessee or surrounding areas are not factored into this list. If you would like to check rates from the most competitive companies in Tennessee, click here.
Top 10 Major Car Insurance Companies Overall in Nashville
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
The insurance agents in Nashville listed below can provide answers to your questions and help you determine which coverages are best, as lots of drivers aren’t clear which coverage they need and would like to get some professional advice when shopping around for cheaper insurance for electric cars. It can be difficult to do it yourself, and getting professional guidance from a licensed agent can provide comfort knowing your policy gives you adequate coverage when you need it most. To locate an agency near you, click the button below the list.
- Mills Insurance
4525 Harding Pike Ste 244 – Nashville, TN 37205 – (615) 620-4452
- Arnie Phipps – State Farm Insurance Agent
4811 Trousdale Dr c – Nashville, TN 37220 – (615) 833-1300
- Tim Shrum – State Farm Insurance Agent
4004 Hillsboro Pike Ste B219 – Nashville, TN 37215 – (615) 922-2680
Ideas to find the cheapest insurance for electric cars
Below you’ll find a few thrifty ideas that can help Nashville drivers locate low-cost coverage.
- Staying accident-free helps keep rates low
- Drive vehicles with five-star safety ratings
- Too many claims can make car insurance unaffordable
- Improve your credit score
- Keep your driving record clean
- Compare price quotes at least once a year
That last idea is very significant, as we noted in the article above. Prices charged by companies in Nashville change frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if a better deal can be had.
Many consumers stick with the same company and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you hundreds every year. In just a couple of minutes you could compare prices to find cheaper car insurance for electric cars.