How Much are Auto Insurance Quotes for State Employees in Nashville?

This article would sure be shorter if we could simply tell you the one auto insurance company that has the cheapest rates in Tennessee. Unfortunately, it’s not that simple as there are a ton of unknown factors such as what deductibles you want to use, the likelihood of vehicle theft where you live, and when you were born, that all help calculate your car insurance rates. We will try to cover the best ways to save money and also should give you a good beginning to your search for cheaper coverage.

The type of vehicle requiring coverage is probably the largest consideration when comparing the lowest-priced auto insurance for state employees. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models. The next list illustrates insurance costs for some of the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Nashville, TN
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,170
Dodge Grand Caravan CV $1,198
Honda CR-V EX 2WD $1,207
Chevrolet Impala LS $1,242
Chevrolet Silverado LS Regular Cab 2WD $1,265
Ford F-150 XL Super Cab 2WD $1,284
Toyota Prius $1,300
Hyundai Elantra GLS 4-Dr Sedan $1,335
GMC Sierra SLE Regular Cab 2WD $1,386
Toyota Tacoma Double Cab 4WD $1,414
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,417
Chevrolet Equinox LS AWD $1,423
Chevrolet Malibu Hybrid $1,432
Toyota RAV4 Limited 4WD $1,423
Ford Fusion S 4-Dr Sedan $1,432
Hyundai Sonata Limited 4-Dr Sedan $1,449
Ford Explorer Limited 2WD $1,456
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Table data assumes 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, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in vehicle location which can revise coverage rates substantially.

Based upon these rates, you can expect vehicles like the Ford Escape, Dodge Grand Caravan, Honda CR-V, Chevrolet Impala, and Chevrolet Silverado will definitely be some of the less-costly vehicles to insure for state workers.

Deciding which companies have the best auto insurance rates for state employees calls for more work in order to find the lowest price. Each insurance company has a different process to establish rates, so we will examine the most budget-friendly auto insurance companies in Nashville.

It’s a good idea to be aware that Nashville, TN auto insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Simply turning a year older, filing a claim, or getting a ticket for careless driving may generate price changes resulting in some rates now being cheaper than others.

Best Cheap Insurance Rates in Tennessee

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Who has the cheapest car insurance in Tennessee?
Rank Company Cost Per Year
1 Utica National $737
2 Cincinnati Insurance $850
3 Auto-Owners $861
4 Penn National $908
5 USAA $919
6 Tennessee Farmers $923
7 Erie $967
8 Allied $1,018
9 Nationwide $1,032
10 Westfield $1,079
11 GEICO $1,122
12 State Farm $1,177
13 Shelter $1,187
14 Travelers $1,201
15 The Hartford $1,208
16 Direct General $1,214
17 Progressive $1,214
18 State Auto $1,217
19 21st Century $1,261
20 Chubb $1,290
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Utica National normally has some of the lowest car insurance rates in Nashville at around $737 each year. This is $591 less than the average policy premium paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, Penn National, and USAA would also be considered some of the cheaper Nashville, TN auto insurance companies.

As depicted above, if you buy coverage from Penn National and switched to Cincinnati Insurance, you might realize a yearly savings of in the neighborhood of $58. Policyholders with USAA could save as much as $69 a year, and Tennessee Farmers insureds might realize rate reductions of up to $73 a year.

To get a fast rate comparison, click here or visit several of the following companies.

Remember that these premium estimates are averages for all drivers and vehicles in Tennessee and do not factor in an exact zip code location for state employees. So the company that can offer the best rates for your situation may not even be in the top 30 companies in the list above. That emphasizes why you need to get rate quotes using your own driver information and specific vehicle type.

Should you buy full coverage?

Reducing the cost of auto insurance is the goal of most people, and one common way to buy cheaper insurance for state employees is to only buy liability insurance. The illustration below illustrates the comparison of auto insurance costs with and without physical damage coverage. Data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, full coverage on your policy costs $1,847 per year more than just insuring for liability. That is a large expense and it proposes the question if full coverage is worth the money. There is no written rule that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

Auto insurance company ratings

Ending up with a high-quality company can be rather challenging considering how many companies are available to choose from in Nashville. The ranking information in the next section may help you pick which insurers to look at shopping your coverage with. The ratings below only include companies that write coverage in many states, so smaller companies that only insure vehicles in Tennessee are not included in these rankings.

Top Auto Insurance Companies for State Employees in Tennessee
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
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Get discount Nashville car insurance

Discounts on auto insurance for state employeesAuto insurance companies that offer quotes for state employees may provide special discounts that can reduce rates by 40% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts are outlined below.

The chart below visualizes the comparison of car insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or violations, Tennessee state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, multiple policy, defensive driving course, homeowner, vehicle safety, and accident-free discounts applied. With discounts applied, the average amount saved each year on auto insurance for state employees is 28% or $432.