Cheap Car Insurance in Nashville for 2025

Driving Record Discounts Methodology FAQs
2025 Update Nashville, TN

Cheap Car Insurance in Nashville for 2025

Based on our study, Travelers has the cheapest car insurance in Nashville, at $1457 per year for full coverage and $613 per year for liability coverage.

If you are searching for cheap car insurance in Nashville, Tennessee, the smartest move you can make is comparing quotes from multiple companies. Every insurer has its own way of calculating rates—factors like your age, neighborhood, driving history, and even the type of car you drive all play a role. That means every driver will get different rate.

To get best cheap car insurance Nashville, we have reviewed average full-coverage rates using data from Quadrant Information Services, analyzing quotes for male and female drivers across every ZIP code in Nashville, all based on a 2025 Toyota Camry LE.

$1,457
Cheapest Full
Travelers
$613
Cheapest Liability
2025 Study
$1,708
Avg. Full
Nashville Avg
25/50/25
State Minimum
TN Limits

Cheapest Car Insurance Companies in Nashville

Travelers provides cheapest average rates in Nashville, around $1,457 per year for full coverage policies. Penn National and Progressive are second most affordable auto insurance companies in the list.

Car insurance rates vary depending on your location, driving record, coverage limits, and the insurance company you choose. The most effective way to get a great deal is to compare quotes from multiple providers.

Below are some of the companies that consistently offer cheap auto insurance to drivers in Nashville:

Company Median Annual Rate
Travelers$1,457
USAA*$1,445
Penn National$2,090
Progressive$2,105
Erie$2,160
Auto-Owners$2,199
Westfield$2,204
GEICO$2,251
Tennessee Farm
Bureau		$2,294
State Farm$2,838
*USAA is only available to military members, veterans, and their families.

Average Car Insurance Cost in Nashville

The average full coverage car insurance in Nashville costs about $1,708 per year, or roughly $142 per month. These estimates are based on coverage levels of 100/300/100 with $500 deductibles.

For drivers opting for state minimum coverage, the average annual rate is $502.Tennessee’s minimum liability limits are 25/50/25.

Full coverage may come with a higher premium; it provides comprehensive protection that goes beyond just liability. This type of coverage includes both collision and comprehensive protection. It ensures your vehicle is covered in case of accidents, theft, or natural disasters.

You can reduce your full coverage premium by comparing quotes from different insurance companies and get quality cheap auto insurance in Nashville without compromising on protection.

Coverage Type Average 6-Month Premium Average Annual Premium
Full Coverage $854 $1,708
State Minimum Coverage — $502

If you want to compare different coverage options, check out this guide on car insurance in Nashville, TN.

Cheap Auto Insurance in Nashville by Age

Car insurance rates in Nashville vary significantly by age, as insurers assess risk differently depending on a driver’s experience and probability of accidents.

Here’s a breakdown of the cheapest companies in Nashville by age group:

  • Cheapest for teen drivers: Erie Insurance – $4,385 per year
  • Cheapest for young adults: Travelers – $2,185 per year
  • Cheapest for adult drivers: Travelers – $1,419 per year
  • Cheapest for senior drivers: Farm Bureau Insurance of Tennessee – $1,412 per year

Erie Insurance provides the most affordable car insurance for teens in Nashville at $4,385 per year. Teen drivers face the highest insurance rates because they have minimal driving experience and a higher probability of accidents.

Travelers offers the cheapest auto insurance for young adults at $2,185 per year. Young adults usually pay less than teens but more than older drivers, as they gain experience yet may still engage in risky driving behavior.

Travelers provides the lowest car insurance rates at $1,419 per year for adult drivers in Nashville. Adult drivers have more driving experience and a lower risk of accidents.

Farm Bureau Insurance of Tennessee offer low-cost car insurance for Senior drivers in Nashville at $1,412 per year. Generally older drivers see a slight increase in premiums due to slower reaction times and higher accident risks.

Company Teens Young Adults Adults Seniors
Travelers$4,494$2,185$1,419$1,440
Farm Bureau Insurance of TN$4,615$2,901$1,537$1,412
Farmers$7,606$2,230$1,589$1,647
Nationwide$6,917$2,935$1,596$1,640
Progressive$7,640$2,668$1,602$1,740
State Farm$5,155$2,912$1,691$1,635
GEICO$5,679$2,789$1,751$1,729
Erie Insurance$4,385$2,900$1,791$1,812
Allstate$9,849$4,767$2,976$3,078
USAA*$4,474$1,882$1,186$1,181
*USAA is only available to military members, veterans, and their families.

Nashville's Cheap Car Insurance by Driving Record

Car insurance rates in Nashville also depends on your driving records. If you have a history of accidents or driving violations in the past, you can expect to pay more than someone with a clean record.

Insurance companies see your driving history as one of the biggest indicators of risk. Safe drivers usually enjoy lower premiums, while violations push rates higher.

Good drivers are considered among the least risky. They have a clean driving record that means no tickets, at-fault accidents, or major violations. So Good drivers are rewarded with some of the lowest car insurance premiums.

Here are the average annual rates for good drivers in Nashville, based on latest analysis:

Company Median Annual Rate
Travelers$1,457
USAA*$1,445
Erie$2,160
Progressive$2,105
Penn National$2,090
Auto-Owners$2,199
GEICO$2,251
Tennessee Farm
Bureau		$2,294
Westfield$2,204
State Farm$2,838
*USAA is only available to active military, veterans, and their families.

In Nashville, State Farm provides the cheapest car insurance for drivers with at-fault accident at $1,997 per year.

If you’ve recently had an at-fault accident on your record, you can expect to increase your car insurance premiums in Nashville. Because it indicates that you are a higher risk for another accident.

Here are the most affordable average rates for drivers with an at-fault accident in Nashville.

Company Median Annual Rate
Travelers$1,997
Tennessee Farm
Bureau		$2,294
Penn National$2,967
Progressive$2,995
Erie$3,250
State Farm$3,458
American National$3,673
Auto-Owners$3,877
GEICO$3,950
USAA*$2,156
*USAA is only available to military members, veterans, and their families.

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. With an average annual rate of $2,181 per year, it is the most affordable option among the companies analyzed.

A DUI conviction often leads to sharp rate hikes because insurers view these drivers as high risk. Still, rates can be managed over time by maintaining a clean record and completing a defensive driving course.

Company Median Annual Rate
Travelers$2,181
Progressive$2,574
Tennessee Farm
Bureau		$3,660
American National$3,767
State Farm$3,945
Erie$4,171
Penn National$4,691
Grange$4,958
Westfield$5,236
USAA*$2,917
*USAA is only available to military members, veterans, and their families.

State Farm offers the cheapest car insurance in Nashville at $1,824 per year for drivers with a speeding ticket on their record. While a single ticket can raise your insurance rates, some companies remain more affordable than others.

Company Average annual premium
State Farm$1,824
Erie Insurance$1,913
Progressive$1,921
Travelers$2,120
Nationwide$2,441
Farmers$2,726
GEICO$3,119
Allstate$3,370
USAA*$1,391
*USAA is only available to military members, veterans, and their families.

Nationwide offers the cheapest car insurance for Nashville drivers with poor credit, averaging $2,331 per year. While poor credit can increase rates significantly, shopping around can still help find more affordable coverage.

Company Average annual premium
Nationwide$2,331
Travelers$2,419
GEICO$2,613
Progressive$2,621
Farmers$3,777
Erie Insurance$4,116
Allstate$5,114
State Farm$7,055
USAA*$2,257
*USAA is only available to military members, veterans, and their families.

Cheap Car insurance in Nashville’s largest ZIP codes

Car insurance costs in Nashville vary depending on your ZIP code. Factors such as accident frequency, theft rates, and traffic density all play a role. According to NerdWallet’s analysis, here are the average annual premiums for a 35-year-old driver with good credit and a clean driving record in the city’s largest ZIP codes:

ZIP Code Median annual rate
37211$2,665
37221$2,427
37209$2,594
37207$2,745
37217$2,762
37214$2,745
37206$2,541
37205$2,590
37215$2,603
37212$2,536

Car Insurance Discounts for Nashville Drivers

Car insurance in Nashville can feel expensive, but smart drivers know how to take advantage of discounts that reduce premiums without sacrificing coverage.

Insurance companies in Nashville use discounts as a way to encourage safe driving habits, customer loyalty, and bundled coverage. While the availability and percentage of savings vary by insurer, knowing which discounts to ask about can make a big difference in your budget.

Common Car Insurance Discounts in Nashville

  • Good driver discount – Available to motorists with clean driving records, often lowering rates by 20% or more.
  • Multi-policy or bundling discount – If you insure both your home and car with the same provider, you can unlock significant savings.
  • Multi-car discount – Families with more than one vehicle can benefit from insuring them under a single policy.
  • Good student discount – Students under 25 who maintain good grades (usually a “B” average or higher) can qualify for reduced premiums.
  • Safe vehicle discount – Cars equipped with advanced safety features such as anti-lock brakes, airbags, and anti-theft systems may be eligible.
  • Telematics or usage-based discount – Programs that track your driving habits through a mobile app or plug-in device can reward safe driving with lower rates.
  • Defensive driving course discount – Completing a state-approved safety course can provide additional savings, especially for young or older drivers.

Shop Around to Get Cheap Insurance in Nashville

A driver could easily save hundreds of dollars per year simply by comparing multiple quotes instead of renewing automatically with their current insurer.

Be sure to take advantages of potential discounts like Bundling home and auto policies, maintaining a clean driving record, completing defensive driving courses, or even enrolling in usage-based telematics programs.

Over the time, these are most effective ways to keep your car insurance affordable.

Cheap Car Insurance in Nashville TN: FAQs

Companies like State Farm, Travelers, and Nationwide are often among the most affordable options for Nashville drivers. However, the cheapest company for you will depend on your driving history, vehicle, and coverage needs.

Nashville car insurance costs $47 for minimum coverage and $103 for full coverage policies. However, rates range from $45 to $287 monthly depending on your unique driver profile and coverage choice.

Experts recommend comparing quotes at least once a year or whenever your life changes (buying a new car, moving to a new ZIP, or after a ticket/accident).

The best way is to shop around and compare quotes. Prices differ by insurer, and taking advantage of discounts (like bundling or safe driver programs) can lower your premium.

Farmers offers the largest discount of 37.45% for the years licensed category, helping experienced drivers save the most.

Nationwide provides the most affordable option for drivers with poor credit, averaging $2,331 per year.

Methodology

Our analysis used rate data from Quadrant Information Services. Unless otherwise noted, we looked at a 35-year-old driver in Nashville with good credit, a clean driving record, and full coverage. Coverage limits included:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist coverage per person
  • $300,000 uninsured motorist coverage per accident
  • Collision and comprehensive coverage with $1,000 deductibles

We used a 2025 Toyota Camry LE driving 12,000 miles annually. Additional profiles were created to reflect drivers with speeding tickets, DUIs, at-fault accidents, poor credit, or minimum coverage requirements.

These are sample averages — your own rates may differ based on your driving history, vehicle, and insurer underwriting practices.

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