What Auto Insurance is Cheapest for 19 Year Olds in Nashville?

The make and model of vehicle to be insured is one of the primary factors when consumers are trying to find low-priced coverage for 19 year olds. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost more to insure than safer models.

The next list features auto insurance costs for a number of the more affordable 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 $3,554
Ford Escape XLS 2WD $3,561
Honda Accord EX-L 4-Dr Sedan $3,846
Hyundai Elantra SE Touring Station Wagon $3,852
Toyota Prius $3,893
Ford Edge SE 2WD $3,924
Ford F-150 XLT Regular Cab 4WD $3,968
Toyota Tacoma 2WD $4,172
Toyota RAV4 2WD $4,216
Volkswagen Jetta S 4-Dr Sedan $4,225
Ford Explorer Eddie Bauer AWD $4,263
Dodge Grand Caravan Crew $4,270
Jeep Wrangler Unlimited Sport 4WD 4-Dr $4,343
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Data based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in vehicle location which can affect rates substantially.

Based upon the rates shown, we can expect vehicles like the Honda CR-V, Ford Escape, Honda Accord, and Hyundai Elantra are most likely going to be a few of the cheapest vehicles to insure for teenage drivers. The price for car insurance will be more costly just due to the fact that there is more claim exposure for 19 year olds, but generally speaking those makes and models will have the cheapest car insurance rates compared to other vehicles.

Finding decent, low-priced insurance is challenging, and determining which companies quote the lowest-priced auto insurance rates for 19 year olds may require even more perseverance. Every auto insurer has a different process for establishing rates, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Nashville, TN.

It’s a good idea to know that Tennessee auto insurance rates are calculated based on many things that can increase the cost of coverage. This is why it is critical to do a thorough rate comparison to find cheap auto insurance quotes for 19 year olds. Car insurance prices can be altered by many risk factors and can change substantially, so the cheapest company the last time you shopped around may now be quite expensive.

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Tennessee auto insurance company rankings
Rank Company Cost Per Year
1 Utica National $744
2 Auto-Owners $836
3 Cincinnati Insurance $850
4 Penn National $926
5 Tennessee Farmers $951
6 USAA $957
7 Erie $987
8 Nationwide $1,002
9 Westfield $1,037
10 Allied $1,049
11 GEICO $1,122
12 State Farm $1,165
13 Travelers $1,177
14 Shelter $1,187
15 Progressive $1,190
16 Direct General $1,201
17 State Auto $1,204
18 The Hartford $1,221
19 21st Century $1,261
20 Chubb $1,329
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Utica National has some of the most affordable car insurance rates in Nashville at around $744 a year. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also qualify as some of the most economical Nashville, TN insurance companies.

As the rates illustrate above, if you are a customer of Auto-Owners and switched to Utica National, you might achieve an annual savings of in the neighborhood of $92. Customers with Cincinnati Insurance could save as much as $106 a year, and Penn National policyholders might lower prices by up to $182 a year.

To find the cheapest rates for your vehicle, click here to start a quote or feel free to get quotes from the companies below.

These prices are averages across all drivers and vehicles and are not factoring in an exact zip code location for 19 year olds. So the insurer that has the cheapest price for you may not even be in the top 30 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

How to find a good Nashville auto insurance company

Selecting a good quality company can be a challenge considering how many choices you have in Nashville. The information below can help you analyze which insurers you want to consider when comparing rate quotes. The rankings below are for the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Tennessee will not be included in these rankings.

Top 10 Major Auto Insurers in Nashville Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Esurance – A+
  6. Progressive – A+
  7. Titan Insurance – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Major Auto Insurers in Nashville Ranked by Customer Service

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

Reckless driving habits raise auto insurance rates

In a perfect world, the best way to maintain the best auto insurance rates in Tennessee for teenage drivers is to drive attentively and have a clean driving record. The example below illustrates how violations and at-fault claims drive up insurance rates for different insured age categories. The costs are based on a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.

In the chart above, the average cost of a car insurance policy in Nashville per year with no accidents or violations is $1,659. Add in one speeding ticket and the average cost jumps to $1,868, an increase of $209 each year. Then add in one accident along with the one speeding ticket and the yearly cost of auto insurance for 19 year olds goes up to an average of $2,455. That’s an increase of $797, or $66 per month, just for not being more responsible behind the wheel!

Why you should shop around

Tennessee auto insurance rates are impacted by many factors that control the price you pay for coverage. Improving your credit score, getting divorced, or getting a few speeding tickets may generate price changes that may make certain companies cheaper than before.

Also, insurance companies change the rates they charge in Tennessee as often as every quarter to adjust for gains or losses. Unexpectedly high claims may cause additional premium costs, while a better claims history may result in lower-cost Nashville car insurance rates.

For example, the chart below shows which company has the cheapest car insurance in Nashville, TN for a 35-year-old female driver with no accidents, a clean driving record, and a good credit history. If we compare prices based on her current risk factors, Utica National may offer the most affordable car insurance rates in Nashville at $898 annually. This is $430 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Tennessee Farmers, and Penn National are the rest of the most affordable Nashville, TN auto insurance companies.

Now we will pretend the driver from the first set of rates a claim surcharge, poor credit, and a couple of points charged on her driving record. Due to the fact that each insurance company has a unique approach for setting rates, analyzing rates most likely will result in a significantly different list of affordable Nashville car insurance companies as shown below.

Erie now has the cheapest car insurance in Nashville with Nationwide, Allied, Westfield, and Auto-Owners now rounding out the top five. This demonstrates why consumers need to shop around with many companies when trying to find cheap car insurance rates for 19 year olds.

Insurance prices are impacted by many factors and can change substantially, so the best company the last time you shopped around may now be an over-priced policy.