Cheapest Car Insurance in Nashville

With rates going up, a lot of drivers in the Volunteer State are searching for the cheapest car insurance in Nashville. Auto insurance rates in Nashville are just moderately higher than the average for auto insurance in Tennessee, but often lower than most major U.S. metro areas. 

For a full coverage policy, rates typically range from $1,896 to $2,028 annually ( $158 to $169 per month). For a state minimum liability policy, expect to pay about $630 to $840 per year (or $52 to $70 per month), depending on factors like a driver’s ZIP code, driving record, vehicle, and personal profile.

Top insurers offering Nashville’s most affordable premiums include State Farm, Erie, GEICO, Farmers, Allstate, and, where eligible, USAA. Seniors often benefit from discounted rates, while teens pay steep premiums but can save significantly via shared policies and academic or safe-driving incentives.

Why Car Insurance Rates in Nashville Are Higher Than The State Average 

Insurance costs in Nashville reflect a blend of local dynamics and state-level regulations:

• Urban traffic density: A growing population and commuter congestion through Nashville, especially around the interstates, contribute to higher accident risk.
• Moderate weather claim activity: Unlike Texas metros, Nashville faces less hail/flood risk but still has claim-inducing storms.
• Higher crime rates in some neighborhoods: Particularly elevated motor vehicle theft and property crime in central areas influence neighborhood-based pricing.
• State liability minimums: Tennessee requires $25K bodily injury liability per person, $50K per accident, and $25K property damage, which is moderate but impactful on rates.
• Driver profile factors: Age, driving record, credit, and vehicle make strongly influence premiums.
• ZIP code variation: Neighborhoods like Hillsboro-West End average ~$162/month for full coverage, while others trend up to ~$183/month.

The Cheapest Car Insurance Companies in Nashville

The Overall Cheapest Car Insurance Company in Nashville

For most Nashville drivers, State Farm Insurance offers the most affordable rates. However, USAA undercuts everyone for eligible military drivers.

Erie is a solid second choice, particularly for strong customer service with only slightly higher rates. 

Cheapest Car Insurance in Nashville for Seniors

Mature drivers often enjoy reduced rates due to experience and safety programs.

While city-specific senior auto insurance rates aren’t always published publicly, the best estimates suggest:

• State Farm and Erie continue to lead for senior discounts via longevity and safe-driving programs.
  
• USAA, if eligible, remains the top choice with unbeatable discounts.
  
• Farm Bureau and Travelers shine for seniors across Tennessee, including Nashville, often offering $31/month for liability-only and $85/month for full coverage.
  

Extra savings for seniors: Complete a driver safety/demonstrated safe driving course and bundle auto with home coverage whenever possible.

Cheapest Car Insurance in Nashville for Teens

Teen drivers face the steepest premiums due to inexperience.

Erie currently offers the most affordable teen rates:

• Liability-only: $124/month (about $1,488/year).
  
• Full coverage: $309/month (about $3,708/year).
  
• That’s significantly lower than the Nashville average for teens.
  

Other teen rates:

• GEICO: $166 (liability) / $350 (full).
  
• State Farm: $177 / $407.
  
• Farmers: $274 / $664.
  
• Allstate: $360 / $863.
  

Savings strategies for teens:

• Stay on a family policy—almost always cheaper than by-the-book solo policies.
  
• Maintain at least a 3.0 GPA for student discounts.
  
• Complete a Tennessee-approved driver education program.

Nashville Auto Insurance Rate Comparison (30-Year-Old, Clean Record)

The following table compares sample annual insurance quotes from major providers in Nashville for a 30-year-old driver with a clean record.

* Available only to military members, veterans, and their families.

How to Get the Cheapest Car Insurance in Nashville

1. Quote annually—market changes can shift who’s cheapest.
   
2. Start with top insurers: State Farm, Erie, GEICO, Farmers, Allstate, Mile Auto, and USAA if eligible.
   
3. Maximize discounts: good student, safe driving, multi-policy, pay-in-full, and secure vehicle discounts.
   
4. Choose proper coverage levels: Liability-only in Tennessee may suit older, paid-off cars.
   
5. Raise deductibles to lower your premiums if able to handle basic repairs out-of-pocket.
   
6. Re-shop at life events: moving, adding drivers, tickets, or accidents often change rates significantly.
   
7. Watch macro factors: inflation, claims frequency, and underwriting adjustments impact prices.

Frequently Asked Questions (FAQ)

The Final Word on Cheapest Car Insurance in Nashville

Getting the cheapest car insurance in Nashville requires executing on a solid strategy. State Farm tends to offer the most affordable coverage for most drivers, while USAA reigns supreme among military-affiliated drivers. Erie shines with strong service and competitive pricing, especially for teens.

For seniors and students alike, maximize discounts and take advantage of telematics or safety programs that can give you a nice policy discount. If you shop smart and compare rates annually, bundle auto and home insurance, and customize coverage, you can get the cheapest car insurance in Nashville, TN. Compare direct auto insurance quotes today and save hundreds in the process.