How much is auto insurance in Nashville?
Car insurance coverage costs an average of $1,597 each year in Nashville. That's more expensive than the average across Tennessee ($1,570) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Nashville.
AUTO INSURANCE: NASHVILLE RATES VS. STATE + NATIONAL AVERAGES
|Nashville Average (annual)||Tennessee Average||United States Average|
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Nashville car insurance rates by insurer
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Nashville's most affordable premiums. We've listed the best cheap car insurance companies in Nashville below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
NASHVILLE CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Rate (annual)|
Nashville auto insurance premiums by age
The age bracket that pays the least for auto insurance in Nashville consists of drivers in their 50s, who pay an average of $1,311. Those in their 60s don't pay significantly more ($1,338).
Teen drivers pay Nashville's most expensive auto insurance rates. When Nashville drivers hit their 20s, their insurance rates drop substantially. In Nashville, teenage drivers pay $6,387 — a full $5,049 more than the second-most expensive rate paid by an age group.
CAR INSURANCE RATES BY AGE TIER IN NASHVILLE
|Age tier||Average Annual Rate|
Nashville auto insurance premiums by gender and marital status
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Nashville, married drivers pay $123 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Nashville, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can impact auto insurance costs. In Nashville, the gulf in car insurance costs between genders is $44 per year, with male drivers paying more than female drivers.
NASHVILLE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Yearly Rate|
Nashville auto insurance costs by violation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Nashville, a reckless driving citation results in an average insurance rate increase of $887 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $754 increase and a speeding ticket triggers a $337 rate hike.
NASHVILLE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,096|
|At-fault Accident (damages greater than $2,000)||$2,269|
|Speeding Ticket (16-20 mph over speed limit)||$1,934|
Nashville car insurance rates by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Nashville drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 63% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Nashville, improving your credit to "Fair" corresponds with a $1,447 decrease in annual car insurance rates.
NASHVILLE AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Rate (annual)|
What drives up car insurance rates in Nashville?
Where you live in Nashville affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Nashville is no exception to the rule. From ZIP code 37215 to 37217, premiums rise by 6 percent—that’s $69.
Expensive Nashville ZIP codes: 37216, 37211, 37209, 37206, 37217
Cheap Nashville ZIP codes: 37215, 37220, 37212, 37240, 37205
Nashville Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Nashville, you can expect 119 rainy days with an annual rainfall of 47.3 inches. Nashville is also known to experience thunderstorms and tornadoes.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Nashville Agents
Brown & Brown of Tennessee dba Al Phillips Insurance and Security Insurance
565 Marriott Dr Ste 500, Nashville, TN 37214
The Crichton Group
3011 Armory Drive Suite 250, Nashville, TN 37204
Zander Insurance Group
212 Oceola Ave, Nashville, TN 37209
204 Donelson Pike, Nashville, TN 37214
Parker & Watts Insurance
4825 Trousdale Dr Ste 224, Nashville, TN 37220
Martin & Zerfoss, Inc.
2909 Poston Ave , Nashville, TN 37203
Bryan Ward & Elmore Inc.
900 Woodland Street, Nashville, TN 37206
Macke & Associates, Inc.
2705 Lebanon Pike, Nashville, TN 37214
Horizon Insurance Group, LLC
109 Donelson Pike, Nashville, TN 37214
Mills Insurance Agency
4525 Harding Rd. Ste 244 , Nashville, TN 37205
Fessenden Consulting Group, Inc.
555 Marriott Drive Suite 250, Nashville, TN 37214
Spann Insurance Inc
710 Thompson Lane, Nashville, TN 37204
First Horizon Insurance
565 Marriott Dr Ste 500, Nashville, TN 37214
Greater Nashville Ins Grp
208 McGavock Pike, #A, Nashville, TN 37214
Brown & Brown of Tennessee, Inc.
565 Marriott Drive, Suite 500, Nashville, TN 37214
H Q Insurance
2451 Atrium Way, Nashville, TN 37214
Willis of TN - Nashville
26 Century Blvd, Nashville, TN 37214
215 29th Ave N, Nashville, TN 37203
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