Comparing quotes for reasonably-priced car insurance is not easy, and figuring out which company offers the most affordable auto insurance rates for infrequent drivers involves even more shopping around.
Every car insurance company uses slightly different criteria to establish rates, so first we will examine the overall cheapest auto insurance companies in Tennessee. Keep in mind that Nashville auto insurance rates are impacted by many things that control the price you pay. This price variation is why it is critical to do a thorough rate comparison to get the most affordable car insurance quotes for infrequent drivers. Insurance rates are impacted by many risk factors and change frequently, so the cheapest option six months ago may now be quite expensive.
Find Cheaper Car Insurance in Tennessee
Utica National generally has some of the lowest car insurance rates in Nashville at around $767 a year. Auto-Owners, Cincinnati Insurance, USAA, and Penn National also rank well as some of the cheapest Nashville, TN insurance companies.
As the rates illustrate above, if you are insured with Auto-Owners and switched to Utica National, you could realize a yearly savings of around $85. Drivers with Cincinnati Insurance might save as much as $117 a year, and USAA insureds might cut rates by $152 a year.
To find out how much you can save, click here to start a quote or visit several of the following companies.
Remember that these estimates are averaged across all types of insureds and vehicles and are not factoring in a vehicle location for infrequent drivers. So the company that can offer you the best rate may not even be in the top 30 companies shown above. That is why you need to get rate quotes using your own individual information.
The vehicle you are trying to insure is one of the largest considerations when quoting low-priced insurance for infrequent drivers. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of liability claims will cost significantly less to insure than higher performance models.
The information below illustrates insurance prices for a selection of the cheaper vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,037|
|Ford F-150 XL Super Cab 2WD||$1,141|
|Jeep Wrangler Sport 4WD 2-Dr||$1,168|
|Honda CR-V EX-L 4WD||$1,203|
|Ford Edge SE AWD||$1,207|
|Toyota RAV4 Limited 2WD||$1,230|
|Chevrolet Malibu Hybrid||$1,236|
|Toyota Tacoma Double Cab 4WD||$1,253|
|Dodge Grand Caravan SE||$1,269|
|Ford Focus SEL 4-Dr Sedan||$1,274|
|Honda Civic EX 4-Dr Sedan||$1,281|
|Honda Odyssey EX-L||$1,297|
|Toyota Camry SE||$1,307|
|Nissan Rogue S 2WD||$1,315|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in zip code location which can impact prices substantially.
By looking at the data, makes and models like the Ford Escape, Ford F-150, and Jeep Wrangler are most likely to be some of the most affordable vehicles to insure for low mileage drivers.
Get discount Nashville car insurance rates
Insurers that offer cheap quotes for infrequent drivers may also provide price discounts that can reduce rates by as much as 35% if you qualify. Companies and the discounts they provide are:
- Progressive discounts include homeowner, multi-vehicle, good student, multi-policy, and online signing.
- The Hartford may offer discounts for vehicle fuel type, bundle, defensive driver, anti-theft, air bag, and driver training.
- Mercury Insurance includes discounts for accident-free, low natural disaster claims, multi-policy, good driver, type of vehicle, and location of vehicle.
- GEICO offers premium reductions for anti-lock brakes, multi-vehicle, seat belt use, driver training, and emergency military deployment.
- AAA may include discounts for anti-theft, AAA membership discount, good driver, education and occupation, pay-in-full, good student, and multi-car.
- State Farm has savings for anti-theft, accident-free, good driver, multiple policy, multiple autos, Drive Safe & Save, and driver’s education.
The diagram below shows the comparison of insurance prices with and without discounts applied. The information is based on a female driver, a clean driving record, no claims, Tennessee state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, anti-theft, multiple policy, vehicle safety, defensive driving course, and accident-free discounts applied. In this example, theaverage yearly reduction on auto insurance for infrequent drivers is 28% or $591.
Choosing the right auto insurance company can be rather challenging considering how many companies are available to choose from in Tennessee. The information below could help you choose which providers to look at when shopping insurance around for infrequent drivers. The rankings below are for the largest companies in the United States, so companies that only write business in Tennessee or surrounding areas are not taken into consideration for this list.
Top 10 Major Auto Insurance Companies in Nashville Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Major Auto Insurance Companies in Nashville Ranked by Value
- American Family
- Safeco Insurance
- AAA Insurance
- The Hartford
- Erie Insurance
- 21st Century
- Titan Insurance
Difference between full coverage and liability only rates
Saving money on auto insurance is important to most vehicle owners, and one of the easiest ways to buy cheaper insurance for infrequent drivers is to not insure for full coverage. The example below shows the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Tennessee. The information is based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Averaged out for all age groups, physical damage coverage on your policy costs an extra $1,620 per year more than just buying liability only. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no clear-cut formula for dropping physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s book value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,500 after the deductible is paid. If you are paying more than $850 a year for your policy with full coverage, then you may need to consider dropping full coverage.
If you have coverage questions and would like to have a little guidance when trying to find the best insurance rates for infrequent drivers, the agents below can provide answers to your questions and help you determine which car insurance company is the best fit. To locate a Nashville auto insurance agent near you, click the button at the bottom of the list.
- Tim Shrum – State Farm Insurance Agent
4004 Hillsboro Pike Ste B219 – Nashville, TN 37215 – (615) 922-2680
- Mark Le Clair – State Farm Insurance Agent
5548 Franklin Pike #201 – Nashville, TN 37220 – (615) 292-9233
- Chamberlain Insurance Agency
4741 Trousdale Dr #104 – Nashville, TN 37220 – (615) 922-2317