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 Average||State Average||National Average|
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
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/Gender||Average Rate|
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/Violation||Average Annual Premium|
|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 Score||Average Car Insurance Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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
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
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
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Nashville Car Insurance
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