Who Has The Cheapest Auto Insurance Quotes in Nashville, TN?

Best cheap car insurance in Nashville

Cheapest auto insurance in Nashville: State Farm

State Farm has the cheapest car insurance in Nashville, as its affordable rate of $27 per month is 39% less than the city's average rate of $45.

USAA's rates are even cheaper, but you can only buy coverage there if you're affiliated with the military.

Other affordable options include Farm Bureau and Geico, but at $44 per month, they are nearly twice as expensive as State Farm or USAA.

The cheapest auto insurance policy a driver can get is a minimum-liability policy, which provides the lowest amount of coverage a state requires drivers to hold in order to legally operate a vehicle.

Cheapest car insurance in Nashville, TN

Although a liability-only policy is the cheapest coverage option, it's not the best option for most people. For example, drivers insured with a liability-only policy are not financially protected from damage caused by storms or tornadoes, and you need full coverage if your car is financed with a lease or loan.

Nashville residents who own new vehicles or cars worth more than $5,000 should invest in higher coverage limits and additional protection options.

Cheapest Nashville full-coverage quote: State Farm

State Farm has the cheapest full-coverage insurance in Nashville at $67 per month — 45% less than the typical price in Nashville overall.

Another affordable option is USAA, at $72 per month. However, you're only eligible for a policy from USAA if you've served in the military or you have a family member who's had insurance from USAA at some point in their lives.

Drivers insured with a full-coverage policy include all state-required coverages, like liability for bodily injury and property damage, plus comprehensive and collision coverage, which pay to repair damage to your vehicle.

Full-coverage insurance isn't required by law, but it's often a condition of getting a lease or loan, so you may need to get it in order to qualify for financing.

Cheap car insurance for drivers with prior incidents

State Farm and Geico offer the best prices to drivers with incidents like a speeding ticket or accident on their records.

Cheapest car insurance after a speeding ticket: State Farm

State Farm has the best prices for drivers with speeding tickets in Nashville, at $73 per month. It only raised rates by about 9%, while other companies raised rates by 15%, on average.

Drivers who are caught speeding often see higher rates after the ticket appears on their records, as insurance companies have found evidence that risky driving leads to a greater likelihood of accidents and more frequent claims.

Insurance companies have found that people with recent speeding tickets on their records are more likely to file claims in the future, so your insurance bill will go up if you've gotten a ticket this year.

Cheapest insurance in Nashville for drivers with accident histories: State Farm

State Farm has the best prices for car insurance after an at-fault accident, with an average monthly price of $79 for a 30-year-old driver. That's $76 cheaper per month than the second-best option, Erie Insurance.

The average quote for car insurance in Nashville after an accident is $170 per month, or 41% more than without a crash on your record.

Depending on your insurance company, you may see a significant jump in premium costs after an accident. That's because drivers who have been at fault in one crash are more likely to make another claim in the future.

Accidents are unpredictable; you never know when you might be involved in one. Having an accident on your record affects your rates tremendously, which is why we recommend comparing car insurance from multiple companies and looking for extra discounts.

Cheapest car insurance after a DUI: State Farm

After a DUI, State Farm's prices increase to $73 per month for full coverage. It's the only company whose rates are less than $100 per month after a DUI and less than half the price of the next-best option, Geico.

Drivers who've been convicted of driving while under the influence often see big spikes in their insurance bills. Rates increase by 49% on average.

Cheapest car insurance for drivers with poor credit: Geico

Geico has the best rates for drivers with bad credit in Nashville. Its average rate of $177 per month is 17% less than the average citywide.

While your credit score doesn't have anything to do with your driving ability, insurance companies have found that someone with a lower credit score is more likely to make an insurance claim. As such, having worse credit means you'll pay more for car insurance.

Best car insurance for young Nashville drivers: State Farm

State Farm offers the best rate to most Nashville drivers, with a typical price of $93 per year for minimum coverage. That's 16% cheaper than the second most affordable option, Geico.

State Farm also had the cheapest widely available option for full coverage, at $211 per month.

Younger drivers typically pay much higher rates for car insurance because they have less experience behind the wheel and are more likely to take risks. An 18-year-old in Nashville will pay more than three times as much as a 30-year-old for an identical full-coverage policy.

Best insurance company for customer service in Nashville, Tennessee

These companies received relatively few complaints from customers, suggesting people tend to be satisfied with their service. They were also ranked highly by ValuePenguin editors.

USAA is also well-known for its great service, but it's only available if you're affiliated with the military.

Average cost of insurance by Nashville area

Meanwhile, Glencliff is the most expensive neighborhood for car insurance. There, the average price is $125 per month.

One factor that impacts how much you'll pay for car insurance is where you live. We found a difference of about $100 per year between the cheapest and most expensive neighborhoods.

Methodology

To find the best cheap car insurance in Nashville, ValuePenguin collected quotes from the most popular insurance companies in Tennessee. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.

Full-coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requirement.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.