How Much Does Car Insurance Cost in Nashville?


It is common knowledge that Tennessee has inexpensive premiums, as its mean rate sits under the national average by $112. While premiums in in Nashville are also relatively low, it is still imperative to cut costs while insuring a vehicle. Let's compare car insurance costs in Nashville versus premiums across the nation.


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


Nashville Auto Insurance Costs by Driver Age

With rates of $5,837 on average, teenage drivers pay the most in car insurance premiums. Drivers in Nashville see the greatest decrease in premiums when they reach their 20s, as they pay an average of 68% less after moving out of the teenage age bracket. Turning 60 causes an increase in insurance rates, but up until that age drivers can expect premium reductions when they move from one age group to the next. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest payments among any age group, with rates of $1,150 per year. However, those in their 60s ($1,173) aren’t paying significantly more.


NASHVILLE CAR INSURANCE PREMIUMS BY 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 Marital Status and Gender


Both gender and marital status have an effect on your car insurance premiums in Nashville. Rates for those who are widowed are marginally cheaper than rates for those who are single. Married individuals save close to 6% per year compared to those who are single. Premiums for men are usually 2% more expensive than for women.


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 for High-Risk Drivers


Having a flawless driving record is imperative to keep the cost of insurance premiums low. $649 is the additional cost per year for drivers with a DUI in Nashville, compared to the city average of $1,341. Reckless driving will also bump your premiums up, with average rates of $1,918. In Nashville, individuals who are found at-fault in an accident spend 37% more per year to insure their vehicle.


AVERAGE NASHVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Premium
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 Auto Insurance by Credit Rating


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers can save nearly 20% per year when they raise their credit tier from Good (670-739) to Very Good (740-799).


NASHVILLE AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage Car 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

2
Major Highways
I-40 I-24 I-65
2
Public Transit
MTA Bus MTA AccessRide
2
Popular Day Trips
Franklin Fall Creek Falls Lookout Mountain

Find Local Nashville Agents

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

565 Marriott Dr Ste 500 Nashville, TN 37214

Zander Insurance Group

212 Oceola Ave Nashville, TN 37209

First Horizon Insurance

565 Marriott Dr Ste 500 Nashville, TN 37214

Macke & Associates, Inc.

2705 Lebanon Pike Nashville, TN 37214

H Q Insurance

2451 Atrium Way Nashville, TN 37214

Hale Insurance

215 29th Ave N Nashville, TN 37203

The Crichton Group

3011 Armory Drive Nashville, TN 37204

Willis of TN - Nashville

26 Century Blvd Nashville, TN 37214

Mills Insurance Agency

4525 Harding Rd. Nashville, TN 37205

Parker & Watts Insurance

4825 Trousdale Dr Ste 224 Nashville, TN 37220

Horizon Insurance Group, LLC

109 Donelson Pike Nashville, TN 37214

Employer's Underwriters

204 Donelson Pike Nashville, TN 37214

Bryan Ward & Elmore Inc.

900 Woodland Street Nashville, TN 37206

Fessenden Consulting Group, Inc.

555 Marriott Drive Nashville, TN 37214

Spann Insurance Inc

710 Thompson Lane Nashville, TN 37204

Greater Nashville Ins Grp

208 McGavock Pike, #A Nashville, TN 37214

Martin & Zerfoss, Inc.

2909 Poston Ave Nashville, TN 37203

Brown & Brown of Tennessee, Inc.

565 Marriott Drive, Suite 500 Nashville, TN 37214

See All

Not sure about Nashville

Check out these other Tennessee cities...

Memphis

2

$1,193

The average Nashvillian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

191

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

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Recent Questions:

Nashville Car Insurance

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May 31, 2018

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Nashville Car Insurance

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