Westfield, Travelers and State Farm offer the cheapest car insurance options in Music City. Rates can vary widely depending on your driving record and the type of coverage you need. The table below breaks down different categories to show which company offers the most affordable rates based on specific factors.
Cheapest Car Insurance in Nashville, TN
Updated: December 24, 2024
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Key Takeaways
The cheapest car insurance companies in Nashville are Westfield, Auto-Owners, Travelers, Cincinnati Insurance and Tennessee Farm Bureau.
The lowest car insurance rates in Nashville are $31 per month for minimum coverage and $69 for full coverage.
The average cost of car insurance in Nashville is $45 per month for minimum coverage and $102 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Tennessee Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Nashville
| Westfield | Minimum Coverage | $31 |
| Travelers | Full Coverage | $69 |
| Nationwide | Teens | $129 |
| Westfield | Young Adults | $36 |
| Cincinnati Insurance | Senior Drivers | $31 |
| Tennessee Farm Bureau | Drivers With Bad Credit | $43 |
| Westfield | Drivers With a Speeding Ticket | $37 |
| State Farm | Drivers With a DUI | $52 |
| Tennessee Farm Bureau | Drivers With an Accident | $38 |
| USAA | Military Affiliated Drivers | $23 |
Cheapest Car Insurance Coverage in Nashville
When searching for the cheapest car insurance in Nashville, it's important to compare rates from various providers. Age, driving history, vehicle type and coverage needs all influence the cost. Keep in mind, the cheapest car insurance in Tennessee might not align with Nashville's lowest rates. By comparing car insurance quotes, you can find affordable coverage tailored to your needs.
Cheapest Minimum Coverage Car Insurance in Nashville
Westfield offers the most affordable minimum coverage auto insurance in Nashville at $31 per month, followed closely by Auto-Owners at $31 monthly. Check the table below for more providers offering great rates for minimum coverage.
| Westfield | $31 | $14 |
| Auto-Owners Insurance Co | $31 | $13 |
| Travelers | $35 | $10 |
| Cincinnati Insurance | $35 | $9 |
| Tennessee Farm Bureau | $38 | $7 |
| Grange Insurance | $43 | $2 |
| Erie | $44 | $1 |
| Chubb | $44 | $0 |
Cheapest Full Coverage Car Insurance in Nashville
Travelers offers the cheapest full coverage car insurance in Nashville at $832 per year. Check the table below to see other providers offering the best rates for full car insurance coverage in the area.
| Travelers | $69 | $32 |
| Westfield | $96 | $5 |
| Tennessee Farm Bureau | $98 | $4 |
| Farmers | $98 | $4 |
| Erie | $99 | $3 |
| Auto-Owners Insurance Co | $76 | $25 |
| Grange Insurance | $91 | $11 |
| Cincinnati Insurance | $91 | $10 |
Cheapest Car Insurance in Nashville by Age
In Nashville, your age can change how much you pay for car insurance. Young drivers often pay more because they're new on the road. Over the years, these rates usually go down, but they might go up again after age 70. We've listed the cheapest companies among teens, young adults and seniors.
Cheapest Car Insurance in Nashville for Teens
State Farm, Nationwide and Allstate provide the most affordable car insurance for minimum coverage for Nashville teens. Check the table below to find the lowest rates for your age group in Music City.
| Nationwide | $129 | $50 | $330 | $38 |
| Allstate | $133 | $46 | $334 | $34 |
| State Farm | $157 | $22 | $203 | $165 |
| Travelers | $179 | $0 | $313 | $55 |
Cheapest Car Insurance in Nashville for Young Adults
Westfield offers the cheapest minimum coverage car insurance for young adults in Nashville at $433 per year, 37% less than the city average. Travelers, Cincinnati Insurance, and Auto-Owners Insurance Co. follow with affordable rates for this group.
| Westfield | $36 | $21 |
| Travelers | $40 | $17 |
| Cincinnati Insurance | $45 | $12 |
| Auto-Owners Insurance Co | $45 | $12 |
| Grange Insurance | $49 | $8 |
| Tennessee Farm Bureau | $51 | $6 |
| State Farm | $57 | $0 |
Cheapest Car Insurance in Nashville for Seniors
Nashville's cheapest car insurance for seniors comes from Cincinnati Insurance at $371 per year. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Cincinnati Insurance | $31 | $16 |
| Auto-Owners Insurance Co | $32 | $15 |
| Westfield | $34 | $13 |
| Tennessee Farm Bureau | $36 | $11 |
| Travelers | $40 | $7 |
| Chubb | $41 | $6 |
| Progressive | $44 | $3 |
| State Farm | $44 | $3 |
| Erie | $44 | $3 |
| Grange Insurance | $44 | $3 |
Cheapest Car Insurance in Nashville for Drivers With Bad Credit
A low credit-based insurance score may cause your premium to be higher than a driver with good credit. The top two options for cheap car insurance for drivers with bad credit in Nashville are Tennessee Farm Bureau ($522 per year) and Grange Insurance ($678 per year) for minimum coverage. Review the table below for more options from other providers.
| Tennessee Farm Bureau | $43 | $33 |
| Grange Insurance | $56 | $20 |
| Westfield | $57 | $19 |
| Travelers | $58 | $18 |
| Cincinnati Insurance | $62 | $15 |
| Progressive | $73 | $3 |
| Farmers | $76 | $1 |
| GEICO | $76 | $0 |
| Chubb | $77 | $0 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
If you have poor credit, you may lower your insurance costs by finding discounts, bundling different insurance policies and comparing personalized quotes from multiple companies. Taking extra steps to improve your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Nashville After a Driving Offense
Insurance providers calculate car insurance premiums by assessing risk, with your driving record being crucial. Violations like speeding tickets, accidents or DUIs can increase your rates. Even the cheapest car insurance for drivers with violations is more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Nashville After a DUI
For Nashville drivers with a DUI, finding affordable car insurance is still possible. State Farm offers the cheapest minimum coverage at an annual rate of $620. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.
| State Farm | $52 | $34 |
| Progressive | $53 | $33 |
| Travelers | $55 | $30 |
| Tennessee Farm Bureau | $60 | $26 |
| Erie | $74 | $11 |
| Farmers | $75 | $10 |
| Grange Insurance | $77 | $9 |
| Allstate | $79 | $7 |
| Cincinnati Insurance | $84 | $2 |
Cheapest Car Insurance in Nashville After an Accident
Tennessee Farm Bureau offers the most affordable minimum coverage car insurance for drivers with an at-fault accident, costing $452 annually. Explore the table below to find the best car insurance company with the most affordable rates for your needs.
| Tennessee Farm Bureau | $38 | $31 |
| Travelers | $50 | $19 |
| Westfield | $53 | $16 |
| State Farm | $57 | $12 |
| Auto-Owners Insurance Co | $57 | $11 |
| Erie | $60 | $9 |
| Grange Insurance | $61 | $8 |
Cheapest Car Insurance in Nashville After a Ticket
Westfield offers the most affordable car insurance for Nashville drivers with a speeding record at $442 annually. Tennessee Farm Bureau follows closely with a rate of $452 per year. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.
| Westfield | $37 | $18 |
| Tennessee Farm Bureau | $38 | $17 |
| Cincinnati Insurance | $43 | $12 |
| Auto-Owners Insurance Co | $44 | $10 |
| Erie | $46 | $9 |
| Travelers | $47 | $8 |
| Chubb | $51 | $4 |
| State Farm | $52 | $3 |
Cheapest Car Insurance in Nashville for Military Drivers
Military drivers in Nashville, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers are USAA with an annual rate of $279, and Westfield at $369 for minimum coverage.
| USAA | $23 | $20 |
| Westfield | $31 | $13 |
| Auto-Owners Insurance Co | $31 | $12 |
| Travelers | $35 | $8 |
| Cincinnati Insurance | $35 | $8 |
| Tennessee Farm Bureau | $38 | $6 |
| Grange Insurance | $43 | $1 |
Car Insurance Quotes in Nashville
The estimated car insurance rates from the above sections provide Nashville drivers an idea of expected premiums and serve as a starting point for those seeking the cheapest car insurance. For example, USAA's monthly liability rate is $23, while Westfield's is $31. Because car insurance companies account for individual factors when calculating costs, quotes from the insurer are the best way to get an accurate estimate of how much Nashville drivers' car insurance costs will actually be.
Compare Nashville Car Insurance Estimates Online
Since each insurer weighs personalized factors differently when calculating premiums, comparing quotes is essential to find the most affordable car insurance rate. With MoneyGeek, drivers in Nashville can quickly enter basic personal information and receive multiple car insurance quotes from various companies in minutes, making the search for the best rate efficient and straightforward.
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Rates updated:
Dec 24, 2024
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Car Insurance Agencies in Nashville
While comparing car insurance quotes online offers a swift path to affordable coverage, those seeking personalized service in Music City should reach out to local agencies for specific inquiries. Below, find names, review ratings, and contact details of Nashville's top car insurance agencies.
How Much Does Car Insurance Cost in Nashville?
In Nashville, full coverage car insurance averages $1219 per year. This is more than state minimum coverage, which averages $537 annually. Remember, these average rates are based on a 40-year-old driver with good credit and a clean record; your rate may be different.
Nashville Auto Insurance Cost by Driver Profile
Compare the average auto insurance rates for different drivers in our table to ensure you're getting an affordable plan.
| Teen Drivers | No Data | $368 |
| Young Adults | $57 | $130 |
| Senior Drivers | $47 | $97 |
| Drivers With Bad Credit | $77 | $178 |
| Drivers With a Speeding Ticket | $55 | $123 |
| Drivers With a DUI | $85 | $190 |
| Drivers With an Accident | $69 | $153 |
| Military Affiliated Drivers | $43 | $99 |
How Expensive Is Car Insurance Nashville?
Car insurance in Nashville costs about 10.6% more for state minimum coverage and 5.9% more for full coverage compared to Tennessee's average. Expect to pay around $44 monthly for minimum and $102 for full coverage.
| Nashville Avg Rate | $45 | $102 |
| Tennessee Avg Rate | $40 | $96 |
| vs Tennessee Avg Rate | $-4 | $-6 |
Car Insurance Requirements in Nashville
In Tennessee, drivers must have car insurance that meets the state's minimum coverage limits. This includes coverage for bodily injury and property damage that you might cause in an accident.
The minimum limits for auto insurance in Tennessee are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
An auto insurance policy offers financial safety if you're in a crash. The liability part helps pay for damage or injuries you cause to others.
Let's say you're at fault in an accident and the other driver gets hurt. Your state minimum coverage would cover up to $25,000 for their injuries. If their medical costs are higher, you might have to pay out of pocket.
If you need SR-22 insurance in Nashville, remember that these are the least amounts you must carry to drive legally.
Cheapest Car Insurance in Nashville: Bottom Line
Cheap car insurance in Nashville isn't one-size-fits-all. Your age, driving history, the car you drive, and even your credit score can change the cost. Looking for affordable plans? People often find Westfield and Tennessee Farm Bureau to have good deals. But remember, to get the best price, always compare quotes from several companies.
Cheap Nashville Car Insurance: FAQ
MoneyGeek provides answers to common questions about finding affordable car insurance in Nashville. Our guidance helps you discover the best minimum coverage for your needs, making it easier to choose the right plan.
What is the cheapest car insurance company in Nashville, Tennessee?
The cheapest car insurance company in Nashville, Tennessee, is typically Westfield, with average rates of $372 per year for minimum coverage and $828 per year for full coverage from Travelers. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Nashville, Tennessee?
The average cost of car insurance in Nashville, Tennessee, is around $102 per month for full coverage, while minimum coverage averages approximately $45 per month. These rates can vary depending on your specific circumstances.
Is car insurance in Nashville, Tennessee, expensive?
Yes, car insurance in Nashville, Tennessee, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Nashville, TN
To help Nashville drivers find the most affordable auto insurance companies, MoneyGeek analyzed Nashville auto insurance rates based on data and information from the Tennessee Department of Insurance and Quadrant Information Services.
Nashville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Nashville with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Nashville
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Tennessee are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.