What Insurance is Cheapest for Drivers Under 25 in Nashville?

The words “economical” and “auto insurance” really should not be used together, specifically when searching for the best insurance rates for drivers under 25. Let’s get started by showing you some of the factors that determine auto insurance premiums, and come up with some ways to shave a little off the next policy you buy.

For drivers age 25 and younger, one of the largest things that aid in calculating the amount you pay each year for auto insurance is where your car is garaged. Areas with high crime rates or more dense population will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.

The information below rates the most expensive areas in Tennessee for drivers under 25 in which to buy car insurance. Nashville ranks #9 with an annual cost of $1,201 on average, which is around $100 each month.

How much is auto insurance in Nashville, TN?
Rank City Average Per Year
1 Memphis $1,460
2 Bartlett $1,377
3 Germantown $1,320
4 Collierville $1,309
5 Jackson $1,292
6 Knoxville $1,230
7 Oak Ridge $1,210
8 Maryville $1,208
9 Nashville $1,201
10 La Vergne $1,197
11 Smyrna $1,194
12 Spring Hill $1,193
13 Columbia $1,190
14 Brentwood $1,179
15 Hendersonville $1,170
16 Gallatin $1,167
17 Clarksville $1,158
18 Chattanooga $1,149
19 Murfreesboro $1,148
20 Cookeville $1,147
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Premium amounts are approximated as the specific geographic location can change prices substantially.

Figuring out which company has the best insurance rates for drivers under 25 may require a little more sweat than just quoting one company’s rates. Every car insurance company has their own formula to determine rates, so let’s rank the insurance companies with the most affordable rates in Nashville, TN.

Keep in mind that Tennessee insurance rates are influenced by many factors which can substantially change the price you have to pay. Improving your credit score, buying another vehicle, or having an accident may prompt premium changes that may make certain companies cheaper in comparison to the competition.

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Who has the cheapest car insurance in Tennessee?
Rank Company Cost Per Year
1 Utica National $744
2 Auto-Owners $861
3 Cincinnati Insurance $876
4 Tennessee Farmers $933
5 Penn National $935
6 USAA $957
7 Erie $987
8 Nationwide $1,002
9 Allied $1,060
10 Westfield $1,079
11 GEICO $1,144
12 Travelers $1,165
13 State Farm $1,213
14 Shelter $1,223
15 Progressive $1,226
16 State Auto $1,241
17 Direct General $1,251
18 The Hartford $1,258
19 Chubb $1,277
20 21st Century $1,313
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Utica National generally has some of the best car insurance rates in Nashville at around $744 annually. Auto-Owners, Cincinnati Insurance, Tennessee Farmers, and Penn National also qualify as some of the cheapest Nashville, TN auto insurance companies.

As shown in the table above, if you currently have coverage with Penn National and switched to Auto-Owners, you may see an annual savings of roughly $74. Drivers with USAA could save as much as $96 a year, and Erie insureds might realize rate reductions of up to $126 a year.

If you want to find out if you’re overpaying, click here to begin a quote or feel free to get quotes from the companies below.

Understand that those premium estimates are averages across all types of insureds and vehicles and are not factoring in an exact vehicle garaging location for drivers under 25. So the company that is best for you may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

The example below illustrates how your deductible choice can increase or decrease annual premium costs when trying to find cheap insurance for drivers under 25. The information is based on a married female driver, comp and collision included, and no other discounts are factored in.

As shown above, 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 selecting a $1,000 deductible. Young drivers, like the age 20 example, could roll back prices up to $586 annually just by choosing larger deductibles. If you do raise deductibles, it will be required to have additional funds squirreled away to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Ratings for Nashville insurance companies

Buying coverage from the highest-rated insurance company can be difficult considering how many different insurance companies sell coverage in Nashville. The ranking data shown next could help you pick which car insurance providers you want to consider to insure your vehicles. These rankings are only made up of major nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for this list.

Top 10 Large 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

Top 10 Large Auto Insurers in Nashville Ranked by Value

  1. Travelers
  2. American Family
  3. Safeco Insurance
  4. AAA Insurance
  5. The Hartford
  6. Progressive
  7. Erie Insurance
  8. Esurance
  9. 21st Century
  10. Titan Insurance

Ideas to find cheaper insurance for drivers under 25

The list below details many money-saving ideas that can help you buy cheap auto insurance.

The final tip is extraordinarily crucial, as was pointed out in the prior information. Prices charged by auto insurers in Nashville change frequently, so don’t hesitate to change to a new company if a lower-cost policy is available.

Brand loyalty is great, but we do not recommend it if that dedication is costing money that could be going to better use. Take a couple minutes and shop around to find cheaper car insurance for drivers under 25.

The professional agents shown below can most likely provide answers to your questions and help you determine which coverages you need, since some drivers aren’t sure which coverage they need and prefer to have a consultation when comparing insurance rates for drivers age 25 and younger. It can be difficult to find the cheapest rates, and a licensed agent can add peace of mind knowing you have adequate protection.

To find a Nashville insurance agency close to where you live, click the button below the list.

Terry W Jones – State Farm Insurance Agent
545 Mainstream Dr Ste 104Nashville, TN 37228(615) 256-6066

Varallo Insurance Agency
296 White Bridge PikeNashville, TN 37209(615) 352-5747

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

Find a Nashville, TN insurance agent near you