Nashville Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Tennessee has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Nashville typically pay around $98.14 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Nashville, TN Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Nashville coming in around $71.39 per month. Other companies to consider if you live in Nashville is USAA with an average cost of $82.04 per month and State Farm which typically runs around $88.90 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Nashville.

How Much is Car Insurance in Nashville, TN?

Rates can vary from city to city. The residents of Chattanooga typically pay $86.28 per month while people who live in Clarksville will pay $100.43 per month on average. See what people pay for car insurance in other cities in Tennessee.

Cheap Car Insurance in Nashville by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Tennessee. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Nashville

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $233.17 per month in Nashville. Compare that to drivers in their 30’s who typically pay around $84.86 per month drivers in their 40s at $78.20 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Nashville

If you are teen in Nashville you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $182.78 per month. This is likely the most affordable option in Nashville. You might also want to consider State Farm and Direct Auto who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Nashville

20 year-olds in Nashville might want to consider Direct Auto who, on average, offers car insurance rates around $89.25 per month. USAA , State Farm , Penn National and Grange Mutual are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Nashville

If you are in your 30s in Nashville our research has found that Direct Auto typically has the most affordable coverage coming in around $53.52 per month, followed by USAA at $73.91 and State Farm at $75.52.

Cheapest Insurance for 40 Year-olds in Nashville

On average, Direct Auto offers car insurance for 40 year-olds in Nashville for around $48.83 per month. If you are looking for affordable coverage, you may also want to consider USAA or Penn National. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Nashville

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Nashville we found that Direct Auto generally offers the most affordable coverage at $44.00 per month.

Cheapest Insurance for 60 Year-olds in Nashville

If you live in Nashville and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $46.99 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Nashville, TN

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Nashville, the average monthly rate for a driver who is currently insured is $98.99 while drivers who are not currently covered will pay around $97.34.

Compare Recent Car Insurance Quotes in Nashville

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Nashville a driver of a 2019 Jeep Wrangler Unlimited can expect to pay around $307.05 per month while someone that owns a 2001 Lincoln Town Car may pay around $112.13 per month. Check out the list of recent quotes in Nashville below.

FAQ's for Drivers in Nashville, TN

Nashville Auto Insurance Requirements

In the city of Nashville, you are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Nashville?

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $15,000 property damage liability coverage

What is the Blood Alcohol Concentration (BAC) Limit in Nashville?

The legal blood alcohol content BAC level is .08% in the state of Tennessee. This level is the same in all 50 states. If you are caught driving with a BAC level of .08% or higher, you could be convicted of a DUI. Penalties for a DUI in Tennessee include a $350 to $1,500 fine, jail time, ranging from 48 hours to more than 11 months, and license revocation for one year. You also will be ordered to participate in an alcohol and drug treatment program. Getting a DUI will cause your insurance rates to go up. How much they go up depends on the insurance company. Insurance companies vary with how they handle DUIs. Some charge higher rates than others. To make sure, you're getting the lowest rate you can for a DUI conviction, search for low rates with SmartFinancial. With access to more than 200 insurance companies, you're bound to find a lower rate.

Can I Register My Car Without Insurance in Nashville?

When there is valid registration on a car, the car's liability insurance coverage must be current. So if you've got your car registered, you must have your liability insurance up-to-date. This is true even if you do not use the car. The car insurance must be issued by an insurance company authorized by the Tennessee Department of Commerce and Insurance and certified by the Tennessee State DMV. There's one last thing. The insurance for your car must be issued in the name of the vehicle registrant. So the person who registers the car needs to be the same person for whom the insurance is issued.

Check Out Other Rates in Nashville, TN Nearby Cities: