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Key Takeaways

  • The car insurance rates in the capital city of Tennessee are higher than the national and state averages.
  • State Farm and USAA offer the cheapest car insurance rates in Nashville.

Introduction

It is not very difficult to imagine driving around "Music City." Nashville, the capital of Tennessee, is the most populous city, with almost 78.1% of its population driving to work. So, do these factors affect car insurance in Nashville?

Like in every other place, auto insurance is mandatory, and the rates at which you get one are heavily dependent on various driving and non-driving factors. So how much will it cost to insure your car in Nashville? Since car insurance is mandatory in every state, Way.com guides you swiftly through an otherwise tedious process.

How much does car insurance cost in Nashville, Tennesse?

The car insurance in Nashville is higher than the state and national averages. It costs $1603 on average per year to insure your car in Nashville. At the same time, the state average ranges to $1576, which stands close to the national average rate.

Nashville Average Tennesse Average National Average
$1603 $1576 $1557

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Auto Insurance Requirements in Nashville, Tennesse

Nashville requires proof of insurance is mandatory to drive a car in the city. It is required for renewing the car registration or when the car is involved in an accident. A minimum amount of liability insurance is required for every car owner. However, this doesn't include the collision and comprehensive coverage, which is highly recommended to avoid out-of-pocket expenses

  • $25,000 per person for bodily injury
  • $50,000 per accident for injuries to people
  • $15,000 of property damage liability coverage

There is no PIP in Tennessee. If you are injured in an accident, then you may be eligible for Med Pay or medical payment insurance.

Nashville Auto Insurance Premiums by Company

Being the capital city, Nashville hosts prominent insurance providers. Comparing the quotes and choosing the ones that best suit your needs is essential to ensure affordable insurance rates in the city. Way.com helps you navigate through this task much easier, helping you finalize the best coverage possible.

USAA and State Farm offer the most affordable rates. Apart from these, Erie and Tennessee Farmers also provide car insurance rates with average yearly rates of $1325 and $1519.

Insurance Company Average Yearly Rate
State Farm $1062
Erie $1325
USAA $960
Tennessee Farmers $1519

Nashville Auto Insurance Premiums by Age Group

The influence of age on insurance rates in Nashville is similar to that of any other state. Here also, teenagers pay the highest rates, and drivers above the age of 50 pay the least. The average annual insurance rate for a teenage driver in Tennessee is $6393. However, the rates become slightly higher for drivers older than 70 years.

Age Bracket Average Yearly Rate
Teenagers $6393
20s $2183
30s $1557
40s $1396
50s $1317
60s $1344
70s $1632

Nashville Auto Insurance Premiums by Marital Status

The car insurance rates for single and married drivers are similar in the state of Tennessee. However, divorced drivers pay an average of $1608 annually, which is slightly higher when compared to the average insurance rates offered to single and married drivers.

Marital Status Average Yearly Rate
Married $1480
Single $1480
Divorced $1608
Widowed $1539

Nashville Auto Insurance Premiums by Gender

Gender also acts as a major non-driving factor, along with age influencing the insurance rates irrespective of the location or driving history. The average yearly rate for males in Nashville tends to be slightly higher than for female drivers.

Gender Average Yearly Rate
Female $1559
Male $1603

Nashville Auto Insurance Premiums by Driving Record

If you are not a high-risk driver based on your age, then you should maintain a clean record in order to avoid paying high rates. This can only be accomplished by avoiding speeding tickets, DUI charges, and other infractions. Nashville car insurance rates increase for reckless driving charges and DUI charges. One can witness an increase of up to $893 per year after a citation.

Driving Violation/Incident Average Yearly Rate
At-fault Accidents Damages <$1000 Damages >$2000
$2102 $2275
DUI/DWI $2357
Reckless Driving $2490
Speeding Tickets $1940

Nashville Auto Insurance Premiums by Credit Rating

The lowered insurance premium rates are one of the perks of maintaining good credit scores. There are a lot of different auto insurance companies out there, and many of them use a credit-based auto insurance score to decide whether or not they will accept you as a policyholder and what your premium will be.

Credit Tier Average Rate
Exceptional $1291
Very Good $1432
Good $1603
Fair $2050
Very Poor $3498

Auto Insurance Premiums by Zip Code

The varying rates of crime, thefts, and uninsured motorists are the major reasons behind the highly varying auto insurance premium rates within the city.

In Nashville, the most expensive ZIP codes include 37216, 37211, 37209, 37206, and 37217, and the cheapest ZIP codes include 37215, 37220, 37212, 37240, and 37205. When comparing the insurance rates of different neighborhoods within the city, there is a rise in auto insurance rates by $75.

What would increase your car insurance rates in Nashville, Tennesse?

When we discuss the factors that raise insurance rates in the city, the rates of auto theft and accident frequency should be taken into account. Along with this, the population and the commute statistics are all crucial factors that influence your car insurance rates in the capital city.

Nashville Stats

Auto Theft Statistics

The rate of vehicle theft in Nashville is 1.36 per 1,000 residents. The 2019 data by City-Data showed the number of data to be 62.5 per 100,000.

Accident Statistics

According to data from the Tennessee Highway Patrol, there were 1,280 fatal collisions in the state in 2021. The number of traffic fatalities in the year 2019 was 1135.

How to save on auto insurance in Nashville, Tennesse

One can always look out for methods to reduce car insurance rates. While shopping around for insurance quotes with different providers can give a head start on getting the affordable option for you, there are several hacks you can follow to reduce the insurance premium rates.

  • Compare and Purchase

Since most insurance providers now provide their quotes online, thorough research can help in choosing the best one that suits your needs.

  • Increase your Deductible

Higher deductibles reduce vehicle insurance premiums. This will, however, reduce your accident claim. Compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Look for Discounts

Always look for discounts when you are purchasing insurance in Honolulu. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates.

Tips for Driving in Nashville, Tennesse

While driving around the city of Nashville, one must keep a few things in mind to make the journey hassle-free.

Tennessee's Financial Responsibility Law

One must meet the financial obligations under Tennessee's Financial Responsibility law in the event of a car accident. This can be met by purchasing auto liability insurance unless you qualify for an exemption. An uninsured driver is sure to pay fines or can even lose their license plates.

Be Weather Ready

The humid subtropical climate of the place urges you to be prepared for driving in rainy and snowy weather. Tornados and other severe weather incidents are also a part of the climate, so one must equip their car with the right coverage.

Average Annual Rainfall Average Annual Snowfall Rainy Days Sunny Days
47 in 6 in 119 days 205 days

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Unavailability of PIP

The state doesn't require Personal Injury Protection (PIP). Even if PIP is unavailable, you are eligible for medical payments if you are involved in an accident.

Best Car Insurance Companies in Nashville, Tennesse

Insurance Company
State Farm Progressive
Farmers Travelers
USAA Safeco
Tennessee Farmers Mutual Liberty Mutual
Allstate Encompass
Nationwide  

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much is car insurance in Nashville?

It costs $1603 on average per year to insure your car in Nashville. This is slightly higher than the national and state averages.

How much is the monthly payment for car insurance in Nashville?

The monthly car insurance premium rate for full coverage in Nashville is $134 on average. It will cost at least $46 per month for minimum coverage.

Is car insurance expensive in Nashville?

Being the capital state and a populous city, Nashville has car insurance rates higher than that of Tennessee. However, one can always shop around and compare quotes to find the most affordable and the insurance provider that suits you the best.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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