Car Insurance in Nashville

Premiums in Nashville are relatively consistent with state rates, as its premiums are within $26 of Tennessee's average. Why don't we get started on how to save on car insurance in Nashville?

  • City Average: $1,341
  • State Average: $1,315
  • National Average: $1,427

Nashville Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $1,598 more per year. Drivers can save nearly 20% per year when they boost their credit tier from Good (670-739) to Very Good (740-799).

  • Very Poor: $2,749
  • Fair: $2,206
  • Good: $1,774
  • Very Good: $1,415
  • Exceptional: $1,151

Nashville Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Nashville is determined by many things, including gender and marital status. Premiums for men tend to be 2% more expensive than for women. You can save an average of 6% per year if you're married as opposed to single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single.

  • Female: $1,320
  • Male: $1,341
  • Single: $1,341
  • Married: $1,259
  • Divorced: $1,341
  • Widowed: $1,323

Nashville Car Insurance by Age

Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance payments among any age group, with rates of $1,150/year. Those in their 60s ($1,173) also have relatively low premiums. Teenage drivers have the biggest premiums amongst all the age groups, with car insurance payments of $5,837 on average. Drivers in Nashville see the greatest decrease in premiums when they reach their 20s, as they save an average of $3,966 from moving out of the teenage age bracket. Rates continue to trend downward up until drivers hit 60.

  • Teenagers: $5,837
  • 20s: $1,871
  • 30s: $1,314
  • 40s: $1,213
  • 50s: $1,150
  • 60s: $1,173
  • 70s: $1,432

Nashville Car Insurance by Accident or Violation History

Do you know how much an accident or violation history can cost you in terms of prices on car insurance? A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Nashville have rates 48% higher than the city average ($1,341). Reckless driving will also push your premiums up, with typical rates of $1,918. In Nashville, those who are found at-fault in an accident spend $492 more than the city average on car insurance each year.

  • DUI: $1,990
  • Reckless Driving: $1,918
  • At-fault Accident (damages less than $1000): $1,833
  • At-fault Accident (damages greater than $2000): $1,833
  • Speeding Ticket (16-20 mph over speed limit): $1,589

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

Greater Nashville Ins Grp

208 McGavock Pike, #A Nashville, TN 37214

The Crichton Group

3011 Armory Drive Nashville, TN 37204

Fessenden Consulting Group, Inc.

555 Marriott Drive Nashville, TN 37214

Employer's Underwriters

204 Donelson Pike 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, Inc.

565 Marriott Drive, Suite 500 Nashville, TN 37214

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

565 Marriott Dr Ste 500 Nashville, TN 37214

Bryan Ward & Elmore Inc.

900 Woodland Street Nashville, TN 37206

Hale Insurance

215 29th Ave N Nashville, TN 37203

Macke & Associates, Inc.

2705 Lebanon Pike Nashville, TN 37214

Horizon Insurance Group, LLC

109 Donelson Pike Nashville, TN 37214

Spann Insurance Inc

710 Thompson Lane Nashville, TN 37204

Willis of TN - Nashville

26 Century Blvd Nashville, TN 37214

H Q Insurance

2451 Atrium Way Nashville, TN 37214

First Horizon Insurance

565 Marriott Dr Ste 500 Nashville, TN 37214

Parker & Watts Insurance

4825 Trousdale Dr Ste 224 Nashville, TN 37220

Mills Insurance Agency

4525 Harding Rd. Nashville, TN 37205

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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