Who Has Cheap Car Insurance Rates for Inexperienced Drivers in Nashville?

The vehicle you are insuring is a large factor when looking for low-priced insurance for inexperienced drivers. Vehicles with more horsepower, a lack of safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The information below shows car insurance costs for some of the cheaper automobiles to insure in Tennessee.

Cheapest Vehicles to Insure in Nashville, TN
Make, Model, and Trim Level Estimated Cost for Full Coverage
Toyota Prius $1,085
Ford Focus SE 4-Dr Sedan $1,139
Honda CR-V EX-L 2WD $1,146
Hyundai Elantra Blue 4-Dr Sedan $1,200
Ford Escape Limited 4WD $1,216
Volkswagen Jetta 2.0T 4-Dr Sedan $1,245
Jeep Wrangler Sahara 4WD 2-Dr $1,258
Chevrolet Impala LT $1,328
Toyota RAV4 Sport 4WD $1,336
Chevrolet Silverado LT Crew Cab 2WD $1,328
Dodge Ram 3500 Mega Cab Laramie 2WD $1,348
Ford F-350 Crew Cab Lariat Turbo Diesel 2WD $1,356
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,353
Ford Explorer Eddie Bauer AWD $1,359
Chevrolet Malibu LT $1,353
Ford F-150 STX Super Cab 4WD $1,373
Ford Edge Sport AWD $1,398
Toyota Camry XLE $1,405
Chevrolet Equinox LS 2WD $1,420
Jeep Grand Cherokee Limited 2WD $1,422
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Cost estimates assume 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, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in your specific Nashville, TN location which can revise coverage rates noticeably.

Based upon these rates, you can infer that cars like the Toyota Prius, Ford Focus, Honda CR-V, and Hyundai Elantra are some of the cheapest vehicles to insure for new drivers.

Trying to find cost effective auto insurance is not the easiest thing to do, and finding out which company has the lowest-priced insurance rates for inexperienced drivers will involve even more shopping around. Every auto insurer uses their own method for setting rates, so let’s begin by examining the insurance companies that tend to be cheaper in Tennessee.

Best Auto Insurance Prices for Newbies

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What’s the cheapest car insurance in Tennessee?
Rank Company Cost Per Year
1 Utica National $744
2 Cincinnati Insurance $850
3 Auto-Owners $852
4 USAA $919
5 Penn National $935
6 Tennessee Farmers $951
7 Erie $997
8 Allied $1,029
9 Nationwide $1,042
10 Westfield $1,079
11 GEICO $1,144
12 Progressive $1,190
13 Shelter $1,199
14 State Farm $1,201
15 Travelers $1,213
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 quotes some of the cheapest car insurance rates in Nashville at around $744 per year. This is $584 less than the average premium paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, USAA, and Penn National also make the cut as some of the lowest-priced Nashville, TN auto insurance companies.

In the rate table above, if you are a customer of Cincinnati Insurance and switched to Utica National, you could realize a yearly price reduction of around $106. Tennessee drivers with Auto-Owners might save as much as $108 a year, and USAA policyholders might lower prices by up to $175 a year.

These prices are averages across all drivers and vehicles and and are not figured with a vehicle location for inexperienced drivers. So the auto insurance company that is best for you may not even be in the top 30 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

For new drivers, one of the more important things that are used to help calculate the amount you pay for auto insurance is your zip code. Areas with more people or higher crime rates likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.

The information below shows the most expensive places in Tennessee for inexperienced drivers in which to buy car insurance. Nashville is ranked #13 with an annual cost of $1,177 for the average policyholder, which is around $98 each month.

How much does auto insurance cost in Nashville?
Rank City Annual Rate
1 Memphis $1,490
2 Germantown $1,374
3 Bartlett $1,363
4 Collierville $1,349
5 Jackson $1,266
6 Oak Ridge $1,223
7 Knoxville $1,218
8 Spring Hill $1,205
9 Maryville $1,196
10 Clarksville $1,194
11 Murfreesboro $1,183
12 Columbia $1,178
13 Nashville $1,177
14 Chattanooga $1,161
15 Hendersonville $1,158
16 La Vergne $1,151
17 Smyrna $1,148
18 Cookeville $1,147
19 Brentwood $1,144
20 Morristown $1,137
21 Cleveland $1,135
22 Gallatin $1,133
23 Franklin $1,129
24 Kingsport $1,037
25 Johnson City $1,031
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Table data uses approximated as specific Nashville zip code can alter coverage prices greatly.

The example below demonstrates how choosing different deductibles can influence insurance costs when trying to find cheap insurance for inexperienced drivers. The price estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $198 a year by increasing from a $100 deductible to a $500 deductible, or save $300 by using a $1,000 deductible. Young drivers, like the 20-year-old example, have the ability to save $490 or even more just by choosing larger deductibles. When increasing deductibles, it will be important to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Drive safe and save

The ideal way to enjoy the cheapest insurance prices in Nashville for new drivers is to be an attentive driver and avoid tickets and accidents. The illustration below shows how speeding tickets and accident claims drive up insurance premiums for different ages of insureds. The premiums are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,220. Add in one speeding ticket and the average cost surges to $2,500, an increase of $280 each year. Now include one accident along with the one speeding ticket and the 12-month cost of insurance for inexperienced drivers goes up to an average of $3,304. That’s an increase of $1,084, or $90 per month, just for not driving carefully!

What aren’t you shopping around?

Nashville, TN insurance rates are impacted by many factors that control the policy price. Simply turning a year older, increasing liability limits, or getting a DUI can trigger price changes resulting in some companies being more affordable than before. In addition, companies file new rates multiple times each year in order to protect their financial rating. Higher than usual claims may result in rate hikes, while profitable underwriting can result in cheaper Nashville car insurance rates.

The chart below shows rates for the cheapest car insurance in Nashville, TN for a 30-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on her current risk profile, Utica National quotes the most affordable car insurance rates in Nashville at $828 annually. This is $500 less than the average premium paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, Penn National, and USAA are also on the list of the best Nashville, TN auto insurance companies.

The next chart shows rates after we give the driver in the first example a claim, less-than-perfect credit, and a few blemishes on her driving record. Since each company has a different process for determining rates, comparing insurance quotes could result in a different ranking of the cheapest companies as shown below.

Tennessee Farmers now has the lowest price in Nashville, TN with Nationwide, Allied, Westfield, and GEICO also having competitive pricing. This example proves why consumers need to spend some time comparing rates when trying to find the best insurance quotes for inexperienced drivers. Car insurance prices are calculated by many different factors and can change substantially, so the most economical option the last time you shopped around may now be one of the higher cost companies.