Car Insurance in Nashville, TN
- Progressive offers the cheapest car insurance in Nashville at $108/mo.
- Compare and save on auto insurance in or near Nashville, TN with The Zebra.
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About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of experience in the insurance industry
Beth Swanson is The Zebra’s Insurance Analyst and Communications Specialist, covering content, PR, and legislative insurance trends. A licensed insur…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in Nashville?
Car insurance in Nashville costs an average of $992 for a six-month policy or about $165 per month. This is just slightly more than the average for car insurance in Tennessee, which runs about $1,044, and less than the national average ($1,145).
In 2026, Progressive offers Nashville's lowest full coverage rates at $108 per month.
- Progressive offers the cheapest full coverage rates in Nashville at $108/mo. For minimum coverage, GEICO is the cheapest option at $40/mo.
- Car insurance in Nashville is so expensive primarily because of destructive weather events, heavy traffic congestion, and a high rate of uninsured drivers.
- An at-fault accident in Nashville can cause rate hikes of up to $589 on a 6-month policy.
Cheap liability and full coverage auto insurance in Nashville
As of 2026, Progressive offers Nashville’s lowest full coverage rates, with premiums of around $108 per month. For liability coverage, GEICO has the lowest monthly premium at about $40. USAA is another good option for military members and their immediate families.
Full coverage typically 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 Tennessee drivers carry only the state’s minimum required coverage. The minimum is enough to drive legally, but it may not be enough to protect your finances after an accident.
Source: The Zebra • Current as of: Oct 27, 2026
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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Why is car insurance in Nashville so expensive?
Nashville drivers pay higher rates due to a mix of local risks, weather, and driving trends.
1. Weather
Nashville drivers face a unique mix of weather, traffic, and infrastructure-related insurance risks. Severe thunderstorms, hail, flash flooding, tornado-producing storm systems, and fallen tree limbs can all cause extensive vehicle damage, leading to higher comprehensive insurance claims throughout Middle Tennessee. Areas near the Cumberland River and low-lying roadways may be more vulnerable to localized flooding during heavy rain events, increasing the likelihood of water-damage claims.
2. Elevated Risk Along High-Volume Roadways
Nashville's position as a major transportation hub means local roads accommodate not only daily commuters but also significant commercial truck traffic and tourism-related travel. High-volume corridors near downtown, the I-40/I-65 interchange, and rapidly growing suburbs such as Murfreesboro, Franklin, and Hendersonville frequently experience congestion that can contribute to higher accident rates and claim frequency. Insurers consider these regional traffic patterns when evaluating risk and setting auto insurance rates.
3. Uninsured Motoroists
A significant number of Tennessee motorists drive without adequate insurance coverage, creating added financial risk for Nashville drivers even when they follow the law and maintain proper coverage. Accidents involving uninsured or underinsured drivers often result in claims being paid through uninsured motorist or collision coverage, increasing costs for insurance carriers and policyholders alike. Because insurers must account for the frequency and expense of these claims, areas with higher uninsured driver exposure can experience elevated auto insurance premiums compared to lower-risk markets.
"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
Car insurance rates after an accident in Nashville
In Nashville, an at-fault accident can raise your car insurance by $589 for a 6-month policy. 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...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,043 | $0 |
| One comp claim | $1,073 | $31 |
| Speeding 16 - 20 MPH over limit | $1,312 | $269 |
| At-Fault Accident | $1,581 | $538 |
| Leaving scene of an accident/hit and run | $2,106 | $1,064 |
| DUI | $2,128 | $1,086 |
Source: The Zebra
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Tennessee drivers in and near Nashville saved money on car insurance recently using The Zebra:
Our licensed agents guided a driver in Fort Wayne, TN to find this smart deal on their Chevrolet Traverse with Progressive.
Our licensed agents guided a driver in Corryton, TN to find this smart deal on their Cadillac DeVille with Root Insurance.
This quote from Liberty Mutual helped a Ford Fiesta driver in Clarksville, TN cut their insurance costs.
Drivers in Bristol, TN are getting smart deals on Honda Pilot coverage from The General.
This quote from Bristol West helped a Chevrolet Tracker driver in Morristown, TN cut their insurance costs.
Drivers in Nashville, TN are getting smart deals on Smart fortwo coverage from GEICO.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Nashville car insurance FAQs:
What Nashville drivers want to know about car insurance
Do I need a police report to file an uninsured motorist claim?
If you get a speeding ticket in Tennessee going 67 in a 45 and you opt to pay the ticket, will it show up in North Carolina?
If I'm not on the mortgage, can I still get homeowners insurance?
Do you need flood insurance in a low-risk area?
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.
