What is the Cheapest Auto Insurance in Nashville, Tennessee?

One of the many factors that aid in calculating the amount you pay for auto insurance is where you keep your car in Nashville. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.

The illustration below lists the most costly cities in Tennessee to purchase a policy in. Nashville is ranked #13 with the annual price of $1,165 for the average policyholder, which is about $97 per month.

How much does car insurance cost in Nashville, TN?
Rank City Annual Premium
1 Memphis $1,446
2 Bartlett $1,377
3 Collierville $1,363
4 Germantown $1,320
5 Jackson $1,292
6 Oak Ridge $1,260
7 Knoxville $1,230
8 Maryville $1,196
9 Clarksville $1,194
10 Spring Hill $1,193
11 Columbia $1,178
12 Morristown $1,171
13 Nashville $1,165
14 La Vergne $1,162
15 Hendersonville $1,158
16 Murfreesboro $1,148
17 Smyrna $1,148
18 Cookeville $1,147
19 Brentwood $1,144
20 Franklin $1,129
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Annual rates are approximated as vehicle location can change premium rates greatly.

Having seen where Nashville ranks on price, figuring out which company has the lowest-priced car insurance rates in Nashville requires a tad more effort than just picking a company at random. Each company has a different formula to determine premium rates, so we’ll take a look at the car insurance companies with the most affordable rates in Nashville, TN.

It’s important that readers know that Tennessee car insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply getting older, buying a new vehicle, or getting a driving violation can trigger price changes that may make certain companies more affordable than others.

Cheapest Insurance Rates in Nashville

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Cheapest Tennessee auto insurance companies
Rank Company Cost Per Year
1 Utica National $744
2 Auto-Owners $852
3 Cincinnati Insurance $884
4 Penn National $908
5 USAA $929
6 Erie $957
7 Tennessee Farmers $961
8 Allied $1,018
9 Nationwide $1,032
10 Westfield $1,079
11 GEICO $1,144
12 Shelter $1,187
13 Direct General $1,201
14 State Auto $1,204
15 Travelers $1,213
16 State Farm $1,213
17 Progressive $1,226
18 The Hartford $1,245
19 21st Century $1,274
20 Chubb $1,290
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Utica National may have some of the lowest car insurance rates in Nashville at around $744 per year. This is $584 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA would also make the list of some of the cheapest Nashville, TN car insurance companies.

As shown above, if you are a customer of Penn National and switched to Utica National, you might see a yearly price reduction of in the neighborhood of $164. Customers with USAA may save as much as $185 a year, and Erie insureds might lower prices by $213 a year.

To find out how your current rates compare, click here to start a quote or click through to the companies below.

These prices are averaged across all types of insureds and vehicles and are not factoring in a specific zip code in Nashville. So the car insurance company that is best suited for you may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

The type of vehicle you are seeking coverage for is one of the largest factors when quoting cheaper coverage in Nashville. Vehicles with high performance, a lack of safety features, or high incidents of liability claims will cost more to insure than safer models.

The data below outlines auto insurance rates for some of the most economical vehicles to insure in Tennessee.

Cheapest Vehicles to Insure in Nashville, TN
Vehicle Make and Model Estimated Cost for Full Coverage
Toyota Prius $1,126
Honda CR-V EX 4WD $1,138
Ford F-150 XL Regular Cab 2WD $1,147
Ford Escape XLT 4WD $1,176
Toyota Tacoma 2WD $1,179
Ford Explorer Limited AWD $1,224
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,238
Hyundai Elantra Blue 4-Dr Sedan $1,244
Kia Optima LX $1,288
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,290
Toyota Camry LE $1,353
Volkswagen Jetta S 4-Dr Sedan $1,358
Toyota RAV4 Limited 4WD $1,353
Chevrolet Equinox LT 2WD $1,360
Ford Focus SES 4-Dr Sedan $1,365
Honda Civic VP 4-Dr Sedan $1,375
Dodge Grand Caravan Crew $1,385
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in garaging location in Nashville, TN which can change premium rates significantly.

Based on these rates, you can presume that vehicles like the Toyota Prius, Honda CR-V, and Ford F-150 will definitely be the cheapest vehicles to insure for drivers in Nashville.

Impact of violations and accidents on rates

The recommended way to maintain good auto insurance rates for drivers in Nashville is to be an attentive driver and avoid accidents and traffic citations. The diagram below demonstrates how citations and at-fault claims can impact premium costs for different age groups of insureds. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $1,574. Factor in one speeding ticket and the average cost swells to $1,782, an increase of $208 each year. Now include two accidents along with the one speeding ticket and the yearly cost of auto insurance in Nashville jumps again to an average of $3,534. That’s an increase of $1,959, or $163 per month, just for not keeping your driving record clean!