What's the Average Cost of Car Insurance in Nashville?


Nashville has premiums that are fairly equivalent to the state average, as they are within $26 of one another. Keep some money in your pocket by following our tips and saving on auto insurance in Nashville.


AUTO INSURANCE COSTS: NASHVILLE VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$1,341$1,315$1,427


Nashville Auto Insurance by Marital Status and Gender


Both marital status and gender affect your car insurance premiums in Nashville. Premiums for men and women normally differ by 2%, with men paying more. Rates for those who are widowed are slightly cheaper than rates for those who are single. Single individuals spend $82 more per year on car insurance compared to those who are married.


NASHVILLE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,320
Male$1,341
Single$1,341
Married$1,259
Divorced$1,341
Widowed$1,323


Nashville Car Insurance Rates by Age

Drivers in their 50s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,150 each year. Those in their 60s ($1,173) aren’t paying much more. With car insurance payments of $5,837 on average, teenage drivers have the highest rates out of all the age groups. The most significant decline in premiums between any age group is from the teenage age range to the 20s, as drivers in Nashville start saving an average of 68%. In Nashville, turning 60 means an increase in car insurance premiums. Up until then, transitioning between age groups means decreasing prices.


NASHVILLE CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$5,837
20s$1,871
30s$1,314
40s$1,213
50s$1,150
60s$1,173
70s$1,432


Nashville Auto Insurance by Accident or Violation History


By avoiding driving mishaps that can make the price of rates spike, you can not only save yourself money, but become a safer driver. A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Nashville will cost you 48% more in car insurance premiums versus the city average of $1,341. Reckless driving will also drive your premiums up, with typical rates of $1,918. Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates after one. For individuals in Nashville with at-fault accidents, $492 is the amount by which annual insurance premiums can be expected to rise.


AVERAGE NASHVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationMean Rate
DUI$1,990
Reckless Driving$1,918
At-fault Accident (damages less than $1,000)$1,833
At-fault Accident (damages greater than $2,000)$1,833
Speeding Ticket (16-20 mph over speed limit)$1,589


Nashville Car Insurance by Credit Rating


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 58% every year on car insurance. Drivers can save around 20% per year when they raise their credit tier from Good (670-739) to Very Good (740-799).


NASHVILLE CAR INSURANCE RATES BY CREDIT LEVEL
CreditAverage Auto Insurance Rate
Very Poor$2,749
Fair$2,206
Good$1,774
Very Good$1,415
Exceptional$1,151


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

119

Rainy Days a Year

47"

Avg. Annual Rainfall

6"

Avg. Annual Snowfall

Be Prepared For

Driving in the Music City

Major Highways
I-40 I-24 I-65
Public Transit
MTA Bus MTA AccessRide
Popular Day Trips
Franklin Fall Creek Falls Lookout Mountain

Find Local Nashville Agents

Willis of TN - Nashville

26 Century Blvd Nashville, TN 37214

Horizon Insurance Group, LLC

109 Donelson Pike Nashville, TN 37214

First Horizon Insurance

565 Marriott Dr Ste 500 Nashville, TN 37214

Spann Insurance Inc

710 Thompson Lane Nashville, TN 37204

Employer's Underwriters

204 Donelson Pike Nashville, TN 37214

Mills Insurance Agency

4525 Harding Rd. Nashville, TN 37205

The Crichton Group

3011 Armory Drive Nashville, TN 37204

Parker & Watts Insurance

4825 Trousdale Dr Ste 224 Nashville, TN 37220

Hale Insurance

215 29th Ave N Nashville, TN 37203

Brown & Brown of Tennessee, Inc.

565 Marriott Drive, Suite 500 Nashville, TN 37214

Bryan Ward & Elmore Inc.

900 Woodland Street Nashville, TN 37206

H Q Insurance

2451 Atrium Way Nashville, TN 37214

Macke & Associates, Inc.

2705 Lebanon Pike Nashville, TN 37214

Fessenden Consulting Group, Inc.

555 Marriott Drive Nashville, TN 37214

Martin & Zerfoss, Inc.

2909 Poston Ave Nashville, TN 37203

Zander Insurance Group

212 Oceola Ave Nashville, TN 37209

Brown & Brown of Tennessee dba Al Phillips Insurance and Security Insurance

565 Marriott Dr Ste 500 Nashville, TN 37214

Greater Nashville Ins Grp

208 McGavock Pike, #A Nashville, TN 37214

See All

Not sure about Nashville

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Memphis

$1,193

The average Nashvillian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

191

That's equal to 191 cups of coffee or $477 in savings

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Nashville Car Insurance

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