How much is auto insurance in Nashville?


Car insurance coverage costs an average of $1,597 each year in Nashville. That's more expensive than the average across Tennessee ($1,570) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Nashville.


AUTO INSURANCE: NASHVILLE RATES VS. STATE + NATIONAL AVERAGES
Nashville Average (annual)Tennessee AverageUnited States Average
$1,597$1,570$1,548

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Nashville car insurance rates by insurer


One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Nashville's most affordable premiums. We've listed the best cheap car insurance companies in Nashville below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


NASHVILLE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$894
USAA$954
State Farm$1,056
Erie$1,319
Tennessee Farmers$1,513

Consult our expert guide to finding the best cheap car insurance.



Nashville auto insurance premiums by age

The age bracket that pays the least for auto insurance in Nashville consists of drivers in their 50s, who pay an average of $1,311. Those in their 60s don't pay significantly more ($1,338).

Teen drivers pay Nashville's most expensive auto insurance rates. When Nashville drivers hit their 20s, their insurance rates drop substantially. In Nashville, teenage drivers pay $6,387 — a full $5,049 more than the second-most expensive rate paid by an age group.


CAR INSURANCE RATES BY AGE TIER IN NASHVILLE
Age tierAverage Annual Rate
Teenagers$6,387
20s$2,177
30s$1,551
40s$1,390
50s$1,311
60s$1,338
70s$1,626

Learn more about how age influences auto insurance rates.



Nashville auto insurance premiums by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Nashville, married drivers pay $123 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Nashville, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can impact auto insurance costs. In Nashville, the gulf in car insurance costs between genders is $44 per year, with male drivers paying more than female drivers.


NASHVILLE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,553
Male$1,597
Single$1,474
Married$1,474
Divorced$1,602
Widowed$1,553

Read more about the relationships between gender, marital status and insurance rates.



Nashville auto insurance costs by violation history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Nashville, a reckless driving citation results in an average insurance rate increase of $887 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $754 increase and a speeding ticket triggers a $337 rate hike.


NASHVILLE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Yearly Rate
DUI/DWI$2,351
Reckless Driving$2,484
At-fault Accident (damages < $1,000)$2,096
At-fault Accident (damages greater than $2,000)$2,269
Speeding Ticket (16-20 mph over speed limit)$1,934

Learn more about citations' impact on your auto insurance rates.



Nashville car insurance rates by credit score


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Nashville drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 63% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Nashville, improving your credit to "Fair" corresponds with a $1,447 decrease in annual car insurance rates.


NASHVILLE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$3,492
Fair$2,044
Good$1,597
Very Good$1,426
Exceptional$1,285

Learn more about the relationship between poor credit and car insurance.



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, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.

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

The Crichton Group

3011 Armory Drive Suite 250, Nashville, TN 37204

Greater Nashville Ins Grp

208 McGavock Pike, #A, Nashville, TN 37214

Zander Insurance Group

212 Oceola Ave, Nashville, TN 37209

Mills Insurance Agency

4525 Harding Rd. Ste 244 , Nashville, TN 37205

Brown & Brown of Tennessee, Inc.

565 Marriott Drive, Suite 500, Nashville, TN 37214

Willis of TN - Nashville

26 Century Blvd, Nashville, TN 37214

Employer's Underwriters

204 Donelson Pike, Nashville, TN 37214

Horizon Insurance Group, LLC

109 Donelson Pike, 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

Spann Insurance Inc

710 Thompson Lane, Nashville, TN 37204

First Horizon Insurance

565 Marriott Dr Ste 500, Nashville, TN 37214

Parker & Watts Insurance

4825 Trousdale Dr Ste 224, Nashville, TN 37220

Fessenden Consulting Group, Inc.

555 Marriott Drive Suite 250, Nashville, TN 37214

H Q Insurance

2451 Atrium Way, Nashville, TN 37214

Martin & Zerfoss, Inc.

2909 Poston Ave , Nashville, TN 37203

Macke & Associates, Inc.

2705 Lebanon Pike, Nashville, TN 37214

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

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Recent Questions:

Nashville Car Insurance

My 4-year-old daughter was in a car accident awhile back with a friend who has car insurance, am I able to still file a claim through her insurance?

You should still be able to open up a claim for any injuries or medical visits resulting from an accident. Specifically, in Tennessee, you have three years to make property damage claims and one year for injury claims.

Can an insured driver use their insurance to cover an uninsured vehicle after an accident?

No. Car insurance follows the vehicle, not the driver.

Husband is in prison, how do I handle the car insurance?

You can exclude your husband from the policy if he is not driving the car. This means he would not be covered to drive but his driving history and status would not impact your rates.

One deductible for two accidents?

Unfortunately, you would have to file a claim for this damage under two collision claims. Now, most insurance companies will continue to charge you for an at-fault accident (which these would be considered for) for 3 years.