Who Has Affordable Auto Insurance for Immigrants in Nashville?

For foreigners, one of the more important factors that are used to help calculate insurance cost is where you keep your vehicle. Areas with more people or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.

The next table rates the highest-priced places in Tennessee for immigrants to purchase a policy in. Nashville is ranked #8 with a yearly premium of $1,213 for the average policyholder, which is around $101 each month.

How much does car insurance cost in Nashville, TN?
Rank City Annual Premium
1 Memphis $1,460
2 Bartlett $1,419
3 Collierville $1,363
4 Germantown $1,360
5 Jackson $1,253
6 Oak Ridge $1,247
7 Columbia $1,226
8 Nashville $1,213
9 Clarksville $1,206
10 La Vergne $1,197
11 Knoxville $1,194
12 Smyrna $1,183
13 Cookeville $1,182
14 Maryville $1,172
15 Spring Hill $1,169
16 Franklin $1,164
17 Murfreesboro $1,159
18 Hendersonville $1,158
19 Chattanooga $1,149
20 Brentwood $1,144
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Rates are comparative as specific Nashville garaging address can raise or lower price quotes greatly.

The type of vehicle you are buying coverage for is a significant factor when looking for the most affordable auto insurance for immigrants. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.

The information below ranks car insurance rates for a handful of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Nashville, TN
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,037
Ford Escape XLS 2WD $1,133
Toyota Prius $1,149
Honda CR-V EX 4WD $1,200
Jeep Wrangler Sport 4WD 2-Dr $1,223
Chevrolet Equinox LT AWD $1,230
Dodge Grand Caravan SXT $1,253
Toyota Tacoma 4WD $1,269
Ford F-150 STX Regular Cab 2WD $1,287
Hyundai Sonata GLS 4-Dr Sedan $1,315
Chevrolet Impala LT $1,344
Volkswagen Jetta LE 4-Dr Sedan $1,381
Toyota RAV4 4WD $1,387
Toyota Camry Hybrid $1,404
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $1,406
Ford Explorer Limited AWD $1,413
Ford Focus SEL 4-Dr Sedan $1,416
GMC Sierra SLT Extended Cab 4WD $1,443
Chevrolet Malibu LTZ $1,451
Honda Odyssey EX-L W/Navigation $1,445
Hyundai Elantra SE 4-Dr Sedan $1,452
Ford Edge Sport AWD $1,445
Toyota Corolla S $1,451
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in specific garaging location which can affect coverage prices greatly.

By looking at the data, you can presume that makes and models like the Honda Accord, Ford Escape, Toyota Prius, Honda CR-V, and Jeep Wrangler are most likely to be the most affordable vehicles to insure for foreigners.

Reckless driving habits raise auto insurance rates

The best way to maintain cheap auto insurance prices in Tennessee for foreigners is to drive cautiously and avoid tickets and accidents. The example below shows how traffic citations and at-fault accidents drive up yearly insurance costs for different age groups. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of a car insurance policy in Tennessee per year with no accidents and a clean driving record is $1,152. Factor in one speeding ticket and the average cost surges to $1,341, an increase of $189 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for immigrants increases to an average of $2,985. That’s an increase of $1,833, or $153 per month, just for not keeping your driving record clean!

The diagram below highlights how deductible selection can influence insurance rates when getting quotes for cheap insurance for immigrants. The rates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could reduce rates by $236 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $356 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, have the ability to save $586 or even more just by choosing higher deductibles.

When raising deductibles, it is essential to have enough savings set aside to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Compare quotes and save

Tennessee auto insurance rates are impacted by many things which can substantially change the price of coverage. Simply turning a year older, increasing liability limits, or having a fender bender can cause premium changes that may make certain companies cheaper than before. Not only that, but insurers file new rates as needed as an adjustment for underwriting gains or losses. Significantly higher losses may cause increased rates, while profitable underwriting can result in lower-priced Nashville car insurance rates.

As an example, the bar chart below compares the cheapest car insurance in Nashville, TN for a 30-year-old female driver with no violations or accidents, and a good credit rating. If we look at prices based on her personal profile, Utica National offers the most affordable car insurance rates in Nashville at $845 a year. This is $483 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are also included in the best Nashville, TN auto insurance companies.

The next chart shows rates after we give the driver from the first example an at-fault accident, less-than-perfect credit, and a few traffic violations. Because each company has their own formula for setting prices, comparing insurance quotes most likely will result in a new list of affordable companies as shown below.

Erie now has the best price on car insurance in Nashville with Allied, Nationwide, Westfield, and GEICO also being competitive. This example shows why it is so important to compare lots of rates when trying to get the cheapest insurance quotes for immigrants. Insurance rates are made up of many different factors and can change substantially, so the best option the last time you shopped your coverage around may now not even be in the top five.