Who Has Affordable Auto Insurance Rates for Teachers in Nashville?

It’s impossible to miss the catchy advertisements from insurers like State Farm and Nationwide promising dirt cheap rates, so you should just select the one with the best jingle, right?

It’s not quite that easy, unfortunately, as there are a ton of unknown factors such as whether or not you have had gaps between policies, your financial responsibility, the vehicle you are insuring, and the crime level of your neighborhood, that all influence how much you pay for auto insurance. We will touch on the best ways to avoid high prices and should give you a solid foundation to find cheaper car insurance in Nashville.

Finding good, budget car insurance is not the easiest thing to do, and deciding which companies quote the most affordable auto insurance rates for teachers involves additional perseverance. Every car insurance company uses a little different formula to set premium rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Tennessee.

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Cheapest Tennessee auto insurance companies
Rank Company Cost Per Year
1 Utica National $737
2 Auto-Owners $827
3 Cincinnati Insurance $850
4 Penn National $926
5 USAA $929
6 Tennessee Farmers $951
7 Erie $987
8 Nationwide $1,002
9 Allied $1,029
10 Westfield $1,079
11 GEICO $1,144
12 Travelers $1,177
13 Shelter $1,199
14 State Farm $1,201
15 Progressive $1,214
16 The Hartford $1,221
17 Direct General $1,238
18 State Auto $1,254
19 21st Century $1,274
20 Chubb $1,277
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Utica National may offer some of the most affordable car insurance rates in Nashville at around $737 per year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also qualify as some of the most economical Nashville, TN insurance companies.

In the above rates, if you currently have a policy with Penn National and switched to Auto-Owners, you could realize an annual premium reduction of in the vicinity of $99. Drivers with USAA could save as much as $102 a year, and Tennessee Farmers policyholders might realize rate reductions of up to $124 a year.

To find out how your current rates compare, click here to start a quote or quote rates from the companies below.

It’s important to note that these estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for teachers. So the company that can offer you the best rate may not even be in the top 30 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.

The make and model of vehicle needing coverage is a large factor that determines if you can find the most affordable car insurance for teachers. Vehicles with higher performance characteristics, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models. The data below showcases coverage prices for some of the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Nashville, TN
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,031
Ford Escape XLS 4WD $1,186
Chevrolet Malibu Hybrid $1,223
Chevrolet Equinox LS 2WD $1,232
Dodge Grand Caravan Crew $1,246
Hyundai Elantra SE Touring Station Wagon $1,283
Ford Edge Sport AWD $1,285
Honda CR-V EX 4WD $1,297
Toyota Prius $1,311
Nissan Rogue S 2WD $1,313
Ford F-150 XL Crew Cab 4WD $1,357
GMC Sierra 2500HD SLT Crew Cab 4WD $1,373
Chevrolet Impala LT $1,401
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in specific location which can decrease or increase coverage rates greatly.

Based upon these rates, you can expect cars like the Honda Accord, Ford Escape, Chevrolet Malibu, Chevrolet Equinox, and Dodge Grand Caravan are going to be a few of the cheaper vehicles to insure for teachers and educators.

One of the many considerations that determine the amount you pay each year for auto insurance is the neighborhood you call home. Areas with increased crime or more people tend to have higher rates, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.

The table below sorts the highest-priced places in Tennessee for teachers to buy auto insurance in. Nashville makes the list at #7 with an annual premium of $1,201 for the average policy, which is approximately $100 monthly.

Car insurance prices in Nashville
Rank City Average Per Year
1 Memphis $1,505
2 Bartlett $1,363
3 Germantown $1,360
4 Collierville $1,349
5 Jackson $1,266
6 Oak Ridge $1,210
7 Nashville $1,201
8 Maryville $1,196
9 Smyrna $1,194
10 Knoxville $1,194
11 Columbia $1,190
12 Brentwood $1,179
13 Morristown $1,171
14 Gallatin $1,167
15 La Vergne $1,162
16 Clarksville $1,158
17 Spring Hill $1,157
18 Murfreesboro $1,148
19 Cookeville $1,147
20 Franklin $1,140
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Prices are comparative as the vehicle garaging location can change auto insurance rates considerably.

Buying coverage from the highest-rated insurance provider can be rather challenging considering how many choices drivers have in Tennessee. The company ratings below can help you analyze which auto insurance companies you want to consider when shopping around. The ratings below are only made up of companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Tennessee are not factored into these rankings.

Top 10 Large Auto Insurance Providers Overall in Nashville

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

Top 10 Large Auto Insurance Providers in Nashville Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

The information below illustrates how choosing a deductible can influence insurance costs when quoting cheap insurance for teachers. The information is based on a married female driver, full coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could save $236 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $356 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could possibly save up to $586 annually just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it is essential to have spare funds to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Should you buy full coverage?

Reducing premiums for auto insurance should be important to the majority of people, and an easy way to pay less for insurance for teachers is to buy liability only. The diagram below illustrates the comparison of insurance rates when comparing full coverage to liability only. The rates are based on no violations or accidents, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

If we average all the age groups together, comprehensive and collision coverage on your policy costs an extra $1,521 per year more than just insuring for liability. At some point, about every driver wonders when is the right time to remove full coverage. There is no clear-cut formula to eliminate full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

How to find economical car insurance for teachers

The list below details many thrifty suggestions that can help drivers get cheaper coverage.

The last tip in the list is highly important, as was stressed in the article above. Auto insurance rates in Nashville adjust often, so don’t be afraid to switch to a new company if a lower price can be found.

Having a favorite company is fine, but we do not recommend it if that devotion results in you overpaying a small fortune year after year. It takes less than five minutes to compare prices and find cheaper insurance for teachers.

The insurance agencies below can help you make a decision which auto insurance policy would work best for you, since some drivers wish to get some professional input when comparing insurance rates for teachers. It can be hard to find coverage yourself, so getting professional guidance from a licensed agent can bring comfort knowing your coverage gives you sufficient coverage for your assets.

To locate a Nashville car insurance agency using an interactive map, click the link after the list.

Goldstein Insurance Agency
125 #203b Suite, 102 Belle Forest CirNashville, TN 37221(615) 673-2727

Robins Insurance Agency, Inc.
30 Burton Hills Blvd #300Nashville, TN 37215(615) 665-9200

Zander Insurance Group
6213 Charlotte PikeNashville, TN 37209(615) 356-1700

View more Nashville, TN insurance agents