What Auto Insurance is Cheapest for Uninsured Drivers in Nashville?

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You've seen the catchy commercials from car insurance companies like GEICO, Farmers, and Nationwide that claim enormous savings, so you just need to choose any one of them, right?

It's not quite that easy, unfortunately, as there are a whole bunch of unknown elements such as the vehicle you are insuring, the amount of liability insurance you need, and your gender, that help determine the price you have to pay. In this article, we will cover the best ways to shop for cheaper coverage and will hopefully give you a good start to your coverage search.

The vehicle driven is probably the most important factor when quoting the most affordable insurance for uninsured drivers. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.

The table below features auto insurance prices for a number of the most economical automobiles to insure in Tennessee.

Cheapest Vehicles to Insure in Nashville, TN
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,000
Ford Edge SE 2WD $1,071
Toyota Prius $1,085
Ford F-150 STX Regular Cab 4WD $1,091
Honda CR-V EX-L 2WD $1,098
Dodge Grand Caravan SE $1,091
Chevrolet Malibu LT $1,176
Toyota Camry SE $1,216
Toyota Tacoma 2WD $1,238
GMC Sierra SLE Crew Cab 4WD $1,243
Toyota Corolla XRS $1,238
Nissan Rogue S AWD $1,246
Ford Explorer XLT 4WD $1,240
Volkswagen Jetta 2.0T Station Wagon $1,256
Toyota RAV4 Sport 2WD $1,263
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,272
Hyundai Sonata SE 4-Dr Sedan $1,301
Ford Focus SES 4-Dr Sedan $1,310
Kia Optima SX $1,323
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,333
Honda Odyssey EX-L W/Navigation $1,334
Honda Civic LX-S 4-Dr Sedan $1,342
Hyundai Elantra GLS 4-Dr Sedan $1,334
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific Nashville, TN garaging location which can increase or decrease price quotes greatly.

By looking at the data, you can assume that cars like the Ford Escape, Ford Edge, Toyota Prius, Ford F-150, and Honda CR-V should be the most budget-friendly vehicles to insure for drivers with no prior coverage.

For drivers with no prior coverage, one of the big things that aid in calculating the annual cost of car insurance is where you keep your vehicle. Regions with larger populations or more claims will most likely pay more, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.

The next table rates the priciest cities in Tennessee for uninsured drivers to purchase auto insurance in. Nashville shows up at #6 with an annual rate of $1,213 for the average insurance policy, which is approximately $101 per month.

How much is car insurance in Nashville?
Rank City Annual Premium
1 Memphis $1,446
2 Bartlett $1,405
3 Collierville $1,363
4 Germantown $1,360
5 Jackson $1,253
6 Nashville $1,213
7 Oak Ridge $1,210
8 Maryville $1,208
9 Knoxville $1,194
10 Murfreesboro $1,194
11 La Vergne $1,186
12 Cookeville $1,182
13 Columbia $1,178
14 Clarksville $1,170
15 Hendersonville $1,170
16 Brentwood $1,168
17 Franklin $1,164
18 Morristown $1,159
19 Spring Hill $1,157
20 Smyrna $1,148
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Rates are approximated as the garaging address in Nashville can affect premium rates significantly.

Finding good, cost effective car insurance is challenging, and determining which company quotes the cheapest car insurance rates for uninsured drivers calls for even more work. Each insurer has a proprietary method to set premium rates, so let's begin by examining the car insurance companies with the overall best prices in Tennessee.

It's a good idea to know that Nashville, TN car insurance rates are based on many factors that control the price you pay for coverage. That is why consumers need to do a thorough rate comparison when trying to get the cheapest auto insurance quotes for uninsured drivers. Prices are determined by many factors and can change without notice, so the best option the last time you shopped around may now be one of the more expensive options.

Best Insurance Companies in Tennessee

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Utica National quotes some of the cheapest car insurance rates in Nashville at around $767 annually. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are also some of the lowest-priced Nashville, TN auto insurance companies.

As the rates illustrate above, if you are a customer of Cincinnati Insurance and switched to Utica National, you could earn an annual savings of about $117. Drivers with Penn National may save as much as $132 a year, and USAA customers might lower prices by $162 a year.

These estimates are averaged for all types of insureds and vehicles and do not factor in a specific vehicle garaging location for uninsured drivers. So the insurer that fits your age and vehicle best may not even be in the top 30 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Insurance rate increases from tickets or accidents

The easiest way to get low car insurance premiums for drivers with no prior coverage is to drive safely and avoid traffic citations and accidents. The illustration below illustrates how speeding tickets and accidents can raise car insurance costs for each different age category. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Tennessee per year with no violations or accidents is $1,893. Add in one speeding ticket and the average cost jumps to $2,173, an increase of $280 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for uninsured drivers increases to an average of $2,977. That's an increase of $1,083, or $90 per month, just for not maintaining a clean driving record!

Ending up with the highest-rated car insurance provider is difficult considering how many different insurance companies sell coverage in Nashville. The rank data in the lists below could help you decide which insurers to look at when shopping car insurance rates for uninsured drivers.

These rankings are only made up of companies that insure vehicles across America, so companies that focus mainly on Tennessee business will not be included in this list. To compare prices from these top insurers and more, click here.

Top 15 Car Insurance Companies for Uninsured Drivers in Nashville, TN
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
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability-only

Finding cheaper car insurance is important to most drivers, and an effective way to pay lower rates for insurance for uninsured drivers is to only buy liability coverage. The illustration below shows the difference between auto insurance rates with full coverage and liability only. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.

If all age groups are averaged, comp and collision coverage costs $1,366 per year over liability only. That raises the question when is it a good idea to stop buying full coverage. There is no exact rule of when to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's assume your vehicle's replacement cost is $8,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,500 after the policy deductible has been paid. If you are currently paying more than $750 a year for physical damage coverage, then it might be time to consider dropping full coverage.

Ideas to find economical auto insurance for uninsured drivers

It's not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help you locate lower-cost coverage.

The last suggestion is remarkably significant, as we pointed out in the article above. Prices charged by car insurance companies can be modified anytime, so don't be tentative to change to a new company if you can save money. Loyalty to a specific company is fine, but it isn't a good idea if that devotion results in you overpaying potentially thousands of dollars a year. In less than five minutes you could shop around to find cheaper insurance for uninsured drivers in Nashville.

The Nashville, TN, insurance agents below can provide answers to your questions and help you determine which policy is best, since some people prefer to have a little guidance when buying car insurance for drivers with no prior coverage. It can be complicated to find the best coverage on your own, and professional agents can give comfort knowing your coverage gives you enough protection.

To find an agent close to you, click the button at the bottom.

LaShawnda Bryant - State Farm Insurance Agent
7648 Hwy 70 S #10 - Nashville, TN 37221 - (615) 662-9989

Greater Nashville Insurance
208 McGavock Pike A - Nashville, TN 37214 - (615) 885-5882

Jordan Drake - State Farm Insurance Agent
345 Harrison St - Nashville, TN 37219 - (615) 826-1200

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