Car Insurance in Nashville, TN
- Travelers offers the cheapest car insurance in Nashville at $107/mo.
- Compare and save on auto insurance in or near Nashville, TN with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Nashville at the right price.
How much does car insurance cost in Nashville?
Car insurance in Nashville costs an average of $1,040 for a six-month policy or about $173 per month. This is just slightly more than the average for car insurance in Tennessee, which runs about $1,000, and more than the national average ($1,084).
In 2026, Travelers offers Nashville's lowest full coverage rates at $107 per month.
Car insurance quotes in Tennessee
Tennessee drivers in and near Nashville saved money on car insurance recently using The Zebra:
Our licensed agents guided a driver in Red Boiling Springs, TN find this smart deal on their Mercedes-Benz C-Class with GEICO.
This quote from Root Insurance helped a Chevrolet Equinox driver in Bon Aqua, TN cut their insurance costs.
Our licensed agents guided a driver in Gates, TN find this smart deal on their Chevrolet TrailBlazer with The General.
This quote from Liberty Mutual helped a Ford Taurus driver in Spring City, TN cut their insurance costs.
Drivers in Rogersville, TN are getting smart deals on Toyota RAV4 coverage from National General.
Our licensed agents guided a driver in Knoxville, TN find this smart deal on their Toyota Prius with Bristol West.
Cheap liability and full coverage auto insurance in Nashville
Travelers offers Nashville's lowest full coverage rates at $107 per month. Westfield offers the lowest minimum coverage of around $38 per month.
Full coverage usually includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 44% of Nashville drivers carry only basic coverage, which is fine for staying legal on the road, but not always enough to protect your finances after an accident.
You can also add options like roadside assistance or uninsured motorist coverage. It's a small additional cost, but these extras can save you from expensive out-of-pocket bills later, so we recommend considering them.
Source: The Zebra
"Full coverage typically includes both comprehensive and collision, but people don’t realize it also involves extras like rental car coverage and roadside assistance, which you pay extra for. There’s also confusion about the difference between uninsured motorist coverage and first-party coverage.
Many think they don’t need uninsured motorist coverage, but it protects you if you’re in an accident with someone who doesn’t have insurance. Plus, it usually comes with a lower deductible and appears differently on your policy if you need to file a claim."
-Katie Gold, Licensed Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Nashville.
Are you paying too much for auto insurance?
Agency Hours in Nashville, TN
Our friendly licensed agents help Nashville, TN drivers compare car insurance by phone or online—no office visit required!
- Monday - Friday: 7:00 AM - 11:00PM CST
- Saturday - Sunday: 9:00AM - 8:00PM CST
Car insurance rates after an accident in Nashville
In Nashville, an at-fault accident can raise your car insurance by $541 for a 6-month policy. Travelers offers the cheapest average rates after an accident, with USAA as another good choice for those who qualify.Â
The best way to avoid rate hikes is to drive safely and avoid tickets and citations. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though more serious violations like DUIs can affect your rates even longer.
Updating data...
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,042 | $0 |
| One comp claim | $1,073 | $31 |
| Speeding 16 - 20 MPH over limit | $1,295 | $253 |
| At-Fault Accident | $1,583 | $541 |
| Leaving scene of an accident/hit and run | $2,150 | $1,108 |
| DUI | $2,172 | $1,130 |
Source: The Zebra
Why is car insurance in Nashville so expensive?
Nashville drivers pay higher rates due to a mix of local risks, weather, and driving trends.
-
Location: Premiums vary by ZIP code; areas with more theft or uninsured drivers(like 37207 or 37208) tend to see higher rates than safer neighborhoods.
-
Weather:Â Severe weather raises repair costs and insurer risk, driving up premiums across the region. Tennessee is no stranger to major events, like tornadoes; in 2025, there were 40 tornadoes documented in the state.[1]
-
Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
Nashville drivers' individual car insurance rates are determined by insurers based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others.
Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary. Getting new quotes regularly can help drivers find the best rates for their current situation.
Local insights
Drivers near you in Nashville weigh in
"I switched to Amica Mutual a couple of years ago after 30+ years with Nationwide; I looked at them because Consumer Reports showed them as the top-rated insurer for folks who don’t live in the Northeast and don’t have sufficient proximity to the military to qualify for USAA. My rates have gone down since I joined, and I’ve received a little rebate check each year, reflecting that they collected a little more than they needed to pay claims."
-Reddit user on r/Nashville [2]
"I’ve heard nothing but great things about USAA for home and auto , from both the insured and those that are providing the services and cashing the check. However I was hit by a woman with it and USAA gave me the bare minimum rental coverage, I felt like I was driving a go-cart for a month. So that probably means you’re also getting a good deal lol"
-Reddit user on r/Nashville [2]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
Find the best rates for both auto and home insurance in minutes!
Nashville car insurance FAQs:
Tennessee Tornado Stats. NWS
Best car insurance choices people actually trust Reddit.com
Questions from Nashville drivers:
Other people are also asking...
Husband is in prison, how do I handle the car insurance?
What should I do with my insurance if my car is repossessed?
Should I buy a car first, or the insurance first?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.