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 Average||State Average||National Average|
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
|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/Gender||Average Rate|
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
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 Quality||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
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
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
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
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