How Much Are Car Insurance Rates in Nashville?


Whether you are driving down Music Row or simply on your way to work, it's vital that you have the right insurance coverage for your vehicle. This can protect you in case your are found at fault in an accident. Plus, the state of Tennessee requires minimum limits of coverage to be carried, including bodily injury liability and property damage liability. While optional, collision coverage or uninsured motorist coverage can further protect you and your property.


Luckily, premiums in Tennessee are known for being inexpensive. They are generally 10% lower than the national average. Still, it doesn't hurt to try and save more money on your car insurance policy. Keep some cash in your pocket by following our tips on finding cheap car 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. Car insurance companies use your driving record when determining how much you will pay for your policy. If you have caused property damage or injury through an accident, your insurance company is all but certain to increase the amount you pay for your coverage. The same goes for infractions like DUIs or moving violations, which can lead to your insurance company belieiving that you are more of a liability. Just how much can a poor driving history increase the cost of your insurance policy?


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. Therfore, if you are looking for cheap car insurance, it pays to keep your driving record as clean as possible.


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 to keep a vehicle insured compared to those who are married. The difference in men's and women's car insurance premiums is only about $24.


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


While there isn't much you can do about it, your age does play a large part in the amount you pay for coverage. Still, knowing how your car insurance company sees your age bracket can be helpful. Factors such as experience and maturity level can lead to some age groups paying higher insurance premiums. So which age group will have the easiest time finding cheap car insurance?


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


Your credit rating can have a big impact on what you pay for your policy. Car insurance companies look at your credit history as a way of determining rates. Companies have found a correlation between those with poor credit and an increased likelihood of filing a claim. As such, if your credit history isn't exactly spotless, you may pay more for your insurance policy.


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). If you are on the hunt for car insurance quotes that are easier on your wallet, reparing your credit could be just the ticket.


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

Find Local Nashville Agents

First Horizon Insurance

565 Marriott Dr Ste 500 Nashville, TN 37214

Horizon Insurance Group, LLC

109 Donelson Pike Nashville, TN 37214

Willis of TN - Nashville

26 Century Blvd Nashville, TN 37214

Mills Insurance Agency

4525 Harding Rd. Nashville, TN 37205

Employer's Underwriters

204 Donelson Pike Nashville, TN 37214

Macke & Associates, Inc.

2705 Lebanon Pike Nashville, TN 37214

Brown & Brown of Tennessee, Inc.

565 Marriott Drive, Suite 500 Nashville, TN 37214

Fessenden Consulting Group, Inc.

555 Marriott Drive Nashville, TN 37214

The Crichton Group

3011 Armory Drive Nashville, TN 37204

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

565 Marriott Dr Ste 500 Nashville, TN 37214

Parker & Watts Insurance

4825 Trousdale Dr Ste 224 Nashville, TN 37220

Bryan Ward & Elmore Inc.

900 Woodland Street Nashville, TN 37206

H Q Insurance

2451 Atrium Way Nashville, TN 37214

Zander Insurance Group

212 Oceola Ave Nashville, TN 37209

Martin & Zerfoss, Inc.

2909 Poston Ave Nashville, TN 37203

Spann Insurance Inc

710 Thompson Lane Nashville, TN 37204

Greater Nashville Ins Grp

208 McGavock Pike, #A Nashville, TN 37214

Hale Insurance

215 29th Ave N Nashville, TN 37203

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

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.

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.

Do I buy a car first or insurance first?

Feb 24, 2016 Nashville, TN

Additional Resources:

Nashville Car Insurance

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