How Much Are Car Insurance Rates in Nashville?


Premiums in Tennessee are known for being inexpensive. They are generally 10% lower than the national average. Keep some money in your pocket by following our tips and saving on auto insurance in Nashville.


AUTO INSURANCE RATES: NASHVILLE VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$1,446$1,412$1,569


Nashville Car Insurance for High-Risk Drivers


A history of accidents and violations can cost you in terms of prices on car insurance. Reckless driving will increase your car insurance premiums more than other driving violations. In Nashville, drivers with a DUI need to spend $671 more than the city average to insure their vehicle. Reckless driving will drive your premiums up as well, with typical rates of $2,186. That is 51% higher than the city average! Insurance rates are affected by at-fault accident history, and more specifically, by how much damage was done in the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you an additional 4% per year in premiums compared to an accident with damages less than $1,000.


AVERAGE NASHVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI/DWI$2,117
Reckless Driving$2,186
At-fault Accident (damages less than $1,000)$1,941
At-fault Accident (damages greater than $2,000)$2,011
Speeding Ticket (16-20 mph over speed limit)$1,750


Nashville Auto Insurance by Marital Status and Gender


There are a variety of factors, including gender and marital status, that can impact car insurance premiums in Nashville. Rates for those who are widowed are marginally cheaper than rates for those who are single. Single individuals spend an average of 8% more per year on car insurance compared to those who are married. $24 is the amount by which men's and women's car insurance premiums deviate.


NASHVILLE CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,422
Male$1,446
Single$1,446
Married$1,345
Divorced$1,446
Widowed$1,426


Nashville Car Insurance by Age Bracket

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance premiums among any age group, with rates of $1,212/year. However, those in their 60s ($1,226) also have relatively low premiums. With average rates of $5,995, teenage drivers are the ones who pay the most in car insurance premiums. Drivers in Nashville see the largest dip in premiums when they reach their 20s, as they save an average of $4,782 from moving out of the teenage age range. Turning 60 triggers an increase in premiums, but up until that point drivers can expect premium reductions when they transition between age groups.


NASHVILLE CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$5,995
20s$2,024
30s$1,410
40s$1,282
50s$1,212
60s$1,226
70s$1,450


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 an average of $1,404 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).


NASHVILLE AUTO INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Car Insurance Rate
Very Poor$3,216
Fair$1,812
Good$1,446
Very Good$1,292
Exceptional$1,186


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

Car Insurance Companies in Nashville

Find Local Nashville Agents

Mills Insurance Agency

4525 Harding Rd. Nashville, TN 37205

Bryan Ward & Elmore Inc.

900 Woodland Street Nashville, TN 37206

Willis of TN - Nashville

26 Century Blvd Nashville, TN 37214

Zander Insurance Group

212 Oceola Ave Nashville, TN 37209

Spann Insurance Inc

710 Thompson Lane Nashville, TN 37204

H Q Insurance

2451 Atrium Way Nashville, TN 37214

Hale Insurance

215 29th Ave N Nashville, TN 37203

Martin & Zerfoss, Inc.

2909 Poston Ave Nashville, TN 37203

Greater Nashville Ins Grp

208 McGavock Pike, #A Nashville, TN 37214

Macke & Associates, Inc.

2705 Lebanon Pike Nashville, TN 37214

Parker & Watts Insurance

4825 Trousdale Dr Ste 224 Nashville, TN 37220

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

565 Marriott Dr Ste 500 Nashville, TN 37214

Horizon Insurance Group, LLC

109 Donelson Pike Nashville, TN 37214

Fessenden Consulting Group, Inc.

555 Marriott Drive Nashville, TN 37214

Employer's Underwriters

204 Donelson Pike Nashville, TN 37214

Brown & Brown of Tennessee, Inc.

565 Marriott Drive, Suite 500 Nashville, TN 37214

The Crichton Group

3011 Armory Drive Nashville, TN 37204

First Horizon Insurance

565 Marriott Dr Ste 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

Revised

191

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

See How Much You Can Save in Nashville

Just enter your zip code to get started

Your information is secure.
Additional Resources:

Nashville Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...