Cheapest Car Insurance Quotes in Nashville

Finding the cheapest car insurance quotes in Nashville shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Nashville Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Nashville

The car insurance rate in Nashville is $881 for a six-month policy, which is $65 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Nashville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Nashville

$881

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Nashville

1st place: AutoOwners Insurance Co

At $462 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $487 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $487 for six months, making it the third cheapest auto insurance company in Nashville.

Nashville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nashville, TN is AutoOwners Insurance Co, offering policies at just $462 for a six-month term. This is followed by Erie, which has an average six-month premium of $487.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1475 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nashville drivers find the best deals.

Cheap Car Insurance Companies in Nashville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$462	$77
Erie	$487	$83
Westfield	$487	$81
Tennessee Farm Bureau	$519	$89
Travelers	$725	$122
Farmers	$879	$148
USAA	$886	$149
Grange	$892	$150
Farm Bureau of Tennessee	$923	$154
Tennessee Farmers	$1032	$176
Penn National	$1117	$186
State Farm	$1219	$207
Nationwide	$1238	$206
Progressive	$1475	$251

Key Takeaways

Way's key takeaways about car insurance in Nashville

The auto insurance costs in Nashville fall around $462 for six months.
The cheapest auto insurance company in Nashville is Westfield.
Teen drivers pay the highest rate in Nashville at $52 per month.

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Cheapest Minimum Liability Car Insurance in Nashville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Nashville are given below.

Westfield provides the cheapest minimum car insurance coverage in Nashville. Their Average 6 Month Premium is $148. AutoOwners is the most expensive at $212 for the same period.

Cheapest Liability Coverage in Nashville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
Auto-Owners Insurance Co	$173	$29
Tennessee Farm Bureau	$179	$30
Farm Bureau of Tennessee	$186	$31
Tennessee Farmers	$212	$36
USAA	$212	$36
Cincinnati	$218	$37
Erie	$231	$39
Travelers	$231	$39
Farmers	$244	$41
Penn National	$264	$44
Progressive	$288	$49
State Farm	$288	$49
Allstate	$469	$80
Auto-Owners	$212	$36

Cheapest Full Coverage Car Insurance in Nashville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Nashville is AutoOwners Insurance Co at $77 per month and $462 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nashville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$462	$77
Erie	$487	$83
Westfield	$487	$81
Tennessee Farm Bureau	$519	$89
Travelers	$725	$122
Farmers	$879	$148
USAA	$886	$149
Grange	$892	$150
Farm Bureau of Tennessee	$923	$154
Tennessee Farmers	$1032	$176
Penn National	$1117	$186
State Farm	$1219	$207
Nationwide	$1238	$206
Progressive	$1475	$251

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Average Car Insurance in Nashville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Nashville, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Nashville, Tennessee, may be increasing due to several external factors. Tennessee has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Nashville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Nashville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Penn National	$654
30s	Penn National	$450
40s	Penn National	$408
50s	Penn National	$378
60s	Penn National	$396
70s	Penn National	$456

Cheapest Car Insurance Rates for Teen Drivers in Nashville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Nashville at $29 per month. At $308 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
USAA	$205	$35
Tennessee Farm Bureau	$244	$41
Travelers	$244	$41
Auto-Owners Insurance Co	$257	$43
Farmers	$275	$46
Grange	$275	$46
Progressive	$275	$46
Cincinnati	$282	$48
Erie	$282	$48
State Farm	$308	$52

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Nashville.

As young drivers face the highest rates in Nashville, Penn National offers the cheapest auto insurance rates at $654 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Nashville, Tennessee Farm Bureau is the cheapest car insurance provider. At $205 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Nashville is Erie, offering rates of around $404 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$205	$35
Westfield	$269	$45
Grange	$321	$55
Farmers	$347	$57
Progressive	$347	$59
Travelers	$347	$57
Cincinnati	$378	$65
Erie	$404	$67

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Save up to $971/yr on car insurance rates in Nashville.

Car Insurance Rates with An Accident in Nashville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Nashville, TN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Nashville

The cheapest car insurance companies after an at-fault accident in Nashville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $179 and $186, respectively. Grange is an expensive provider with an average six-month premium of $347.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$179	$30
Farm Bureau of Tennessee	$186	$31
Westfield	$251	$42
USAA	$269	$45
Farmers	$275	$46
Travelers	$282	$48
Progressive	$295	$50
Erie	$314	$53
State Farm	$314	$53
Auto-Owners Insurance Co	$321	$55
Grange	$347	$57

Nashville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nashville TN. For example, the car insurance in Nashville after a DUI increases to $1072 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Nashville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1071	$178
Not-at-fault accident	$1078	$184
One Med/PIP claim	$1084	$180
One comp claim	$1097	$187
Two comp claims	$1110	$185
Two Med/PIP claims	$1110	$189
Failure to wear a seat belt	$1231	$205
Failure to show documents	$1251	$213
Child safety restraint	$1257	$210
Driving without lights	$1257	$214
Cell phone violation	$1277	$213
Driving with expired registration	$1277	$217
Speeding 6 - 10 MPH over limit	$1277	$213
Driving too slowly	$1283	$218
Speeding 11 - 15 MPH over limit	$1283	$214
Speeding in school zone	$1283	$218
Failure to yield	$1290	$215
Following too closely	$1290	$219
Illegal turn	$1290	$215
Speeding 16 - 20 MPH over limit	$1290	$219
Texting while driving	$1290	$215
Improper passing	$1302	$221
Wrong way/wrong lane	$1302	$217
Failure to stop at a red light	$1309	$222
In 65 MPH zone	$1328	$221
Speeding 21 - 25 MPH over limit	$1360	$231
At-fault accident - less than $1000	$1379	$230
Passing school bus	$1379	$234
Operating a vehicle without permission	$1462	$244
Open container	$1475	$251
At-fault accident - $1000-$2000	$1591	$266
At-fault accident - greater than $2000	$1591	$270
Reckless driving	$2008	$335
Racing	$2014	$342
Driving with a suspended license	$2066	$345
Refusal to submit to a chemical test	$2104	$357
DUI	$2143	$357
Leaving scene of an accident/hit and run	$2143	$364

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Nashville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Nashville.

The cheapest car insurance premiums in Nashville are offered by Tennessee Farm Bureau at $282 for a six-month policy. However, it can be as expensive as $1770 with companies like Allstate.

Nashville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$282	$48
Farmers	$327	$55
Erie	$334	$57
Grange	$436	$72
Travelers	$539	$91
State Farm	$777	$131
Progressive	$808	$136
USAA	$917	$154
Tennessee Farmers	$1244	$212
Allstate	$1770	$295

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Nashville are offered by Westfield at $173. However, it can be as expensive as $295 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Nashville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Tennessee Farm Bureau	$179	$30
Erie	$205	$35
Auto-Owners Insurance Co	$251	$42
State Farm	$251	$42
Cincinnati	$264	$44
Travelers	$282	$48
Chubb	$288	$49
Progressive	$295	$50

Car Insurance Price Trends in Nashville, Tennessee

Car insurance rates in Nashville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Nashville remained steady at $104 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Nashville remained steady at $40 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Nashville by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Nashville. At $881 for a six-month policy, insuring your car at 37240 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
37240	$881	$147
37220	$890	$149
37210	$907	$152
37221	$951	$159
37211	$1022	$171
37201	$881	$147
37212	$916	$153
37213	$881	$147
37203	$907	$152
37214	$934	$156
37215	$916	$153
37204	$907	$152
37205	$925	$155
37216	$907	$152
37228	$881	$147
37217	$934	$156
37206	$925	$155
37207	$951	$159
37218	$907	$152
37219	$881	$147
37208	$907	$152
37209	$951	$159

Frequently Asked Questions

How much is car insurance in Nashville?

The car insurance in Nashville is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Nashville?

The cheapest car insurance in Nashville is $77 per month for full coverage.

How much is car insurance in Nashville for teenagers?

Car insurance for teenagers costs $173 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Nashville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $148 per month to insure your car in Nashville.

Is car insurance expensive in Nashville?

Car insurance can be expensive in Nashville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Nashville can be affordable.

Cheapest Car Insurance Quotes in Nashville

Why you can trust Way?

How Much Is Car Insurance in Nashville

Avg. Car Insurance in Nashville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Nashville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Nashville Car Insurance Rates by Company

Cheap Car Insurance Companies in Nashville, TN

Way's key takeaways about car insurance in Nashville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Nashville

Cheapest Liability Coverage in Nashville, TN

Cheapest Full Coverage Car Insurance in Nashville

Cheapest Full Coverage Car Insurance Quotes in Nashville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Nashville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Nashville, TN increasing?

Car Insurance Premiums by Age in Nashville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Nashville,TN

If you are in your twenties Penn National is the best choice for car insurance in Nashville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Nashville

Cheapest Car Insurance Companies after an At-Fault Accident in Nashville

Nashville Car Insurance Rates by Violation

Nashville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Nashville after a DUI

Nashville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Nashville after Speeding ticket

Car Insurance Price Trends in Nashville, Tennessee

Average Car Insurance Cost in Nashville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Nashville, TN

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources