Cheap Car Insurance in Nashville
Best cheap car insurance companies in Nashville
Cheapest full coverage car insurance quotes in Nashville: State Farm
While USAA has the cheapest overall rate for full coverage insurance Full coverage includes collision and comprehensive, which cover your own car for damage and theft. at $1,033 a year, it only sells car insurance for military members and their families.
Although State Farm is generally cheaper than Erie, Erie offers some standard coverages that make it worth considering, too. For example, with Erie’s Rate Lock, your rate will not change when you file a claim.
Full coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,578 |  |
 | Erie | $1,620 |  |
 | Geico | $2,077 |  |
 | Farmers | $2,233 |  |
 | Allstate | $2,752 | |
 | Progressive | $2,878 | |
 | USAA* | $1,033 | |
*USAA only sells insurance to members of the military and their families
Nashville’s cheapest liability car insurance: State Farm
With State Farm and Erie being so close in price for liability insurance Liability insurance covers injuries and damage you cause to other people and their property. It’s required by law in almost every state. , discounts could make a big difference. You can get several discounts from both insurers, including discounts for safety features and bundling policies.
Liability car insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $618 |
| Erie | $638 |
| Farmers | $797 |
| Geico | $939 |
| Progressive | $968 |
| Allstate | $1,112 |
| USAA* | $355 |
Cheap car insurance for teen drivers in Nashville: Erie
Erie offers the cheapest car insurance for young drivers in Nashville, at $1,490 a year for liability coverage and $3,705 a year for full coverage. Geico has the next-cheapest rates at $1,996 a year for liability and $4,205 a year for full coverage.
Geico has some good discounts that could make it the cheaper choice for teen drivers. For example, it offers a discount of up to 15% for students with a good grade point average.
Car insurance for teen drivers
| Company | Liability | Full coverage |
|---|---|---|
| Erie | $1,490 | $3,705 |
| Geico | $1,996 | $4,205 |
| State Farm | $2,127 | $4,879 |
| Farmers | $3,283 | $7,972 |
| Allstate | $4,323 | $10,350 |
| Progressive | $4,360 | $12,407 |
| USAA* | $1,046 | $2,753 |
Nashville’s cheapest auto insurance after a speeding ticket: State Farm
Drivers in Nashville with a speeding ticket on their records get the cheapest insurance with State Farm. The company’s average rate for these drivers is $1,722 a year, or $144 a month. Erie is next at $1,770 a year.
To find out which company is the cheapest for you, compare car insurance quotes from both of them before you renew or buy a policy. Make sure you use the same information for each quote.
Car insurance rates after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,722 |
| Erie | $1,770 |
| Farmers | $2,693 |
| Geico | $2,841 |
| Allstate | $3,476 |
| Progressive | $3,559 |
| USAA* | $1,231 |
Cheapest Nashville auto insurance after an accident: State Farm
Nashville drivers looking for the cheapest car insurance after an accident should get a quote from State Farm. Its average rate with an accident is $1,865 a year, or $155 a month. Erie is the city’s next-best choice at $2,444 a year.
The average Nashville driver sees their car insurance rate go up 42% after an accident. State Farm’s rate after an accident actually remains lower than the city average of $2,024 a year for drivers with clean records.
Car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,865 |
| Erie | $2,244 |
| Farmers | $2,718 |
| Geico | $3,130 |
| Progressive | $3,911 |
| Allstate | $4,751 |
| USAA* | $1,487 |
Best cheap insurance for Nashville teens with bad driving records: Erie
Erie has the cheapest insurance rates for Nashville teens with incidents on their records. The company’s rates average $1,741 a year after a ticket and $1,970 a year after an accident.
State Farm is the next-cheapest option, at $2,363 a year after a ticket and $2,600 a year after an accident.
Cheapest rates for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Erie | $1,741 | $1,970 |
| State Farm | $2,363 | $2,600 |
| Geico | $2,405 | $2,702 |
| Farmers | $3,798 | $3,919 |
| Progressive | $4,200 | $4,238 |
| Allstate | $5,851 | $6,733 |
| USAA* | $1,164 | $1,261 |
Cheapest Nashville auto insurance with a DUI: Erie
At $2,718 a year, or $227 a month, Erie has the cheapest DUI car insurance rates in Nashville. Progressive comes in second at $3,171 a year.
Progressive offers more discounts and add-on coverages than Erie does, which could make it the better value after comparing quotes.
Car insurance companies often see drivers with DUIs as a high risk and charge them higher rates because of this. You may need to pay these high rates for several years, too. If you qualify for any discounts, it could help make a difference.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| Erie | $2,718 |
| Progressive | $3,171 |
| Farmers | $3,263 |
| State Farm | $3,335 |
| Geico | $3,346 |
| Allstate | $3,743 |
| USAA* | $1,958 |
Cheapest car insurance in Nashville with bad credit: Farmers
Nashville drivers get the cheapest car insurance for bad credit with Farmers, where rates average $3,100 a year, or $258 a month. Geico is close behind at $3,294 a year.
The cost difference between Farmers and Geico is small, so comparing quotes with discounts figured in will be key to finding the cheapest for you. Both companies offer several car insurance discounts, and many more than most other insurers.
Cheap car insurance with bad credit
| Company | Annual rate |
|---|---|
| Farmers | $3,100 |
| Geico | $3,294 |
| Erie | $3,705 |
| Progressive | $4,561 |
| Allstate | $4,732 |
| State Farm | $6,646 |
| USAA* | $1,847 |
Best car insurance companies in Nashville
Erie scores better on customer satisfaction with J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. , but its financial strength rating isn’t as good as State Farm’s.
Nashville’s best-rated car insurance companies
| Company | J.D. Power** | AM Best | LendingTree score |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Erie | 700 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Car insurance rates in Nashville by neighborhood
Nashville’s 37212 ZIP code has the city’s cheapest rates for auto insurance at $1,943 a year. This is 4% cheaper than Nashville’s average rate of $2,024.
The 37217 ZIP code has Nashville’s highest average rate of $2,192 a year, which is 8% more than the city average.
Car insurance companies look at more than where you live when coming up with your quote, including:
- The make and model of your car
- Your driving and claims history
- Coverage limits and deductible
Car insurance rates near you
| ZIP code | Annual rate | % from average |
|---|---|---|
| 37027 | $1,946 | -5% |
| 37072 | $2,099 | 3% |
| 37080 | $2,018 | -1% |
| 37201 | $2,068 | 1% |
| 37203 | $1,993 | -2% |
| 37204 | $1,976 | -3% |
| 37205 | $1,961 | -4% |
| 37206 | $2,047 | 0% |
| 37207 | $2,124 | 4% |
| 37208 | $2,054 | 1% |
| 37209 | $2,019 | -1% |
| 37210 | $2,045 | 0% |
| 37211 | $2,120 | 4% |
| 37212 | $1,943 | -5% |
| 37213 | $2,052 | 1% |
| 37214 | $2,113 | 4% |
| 37215 | $2,007 | -2% |
| 37216 | $2,069 | 1% |
| 37217 | $2,192 | 7% |
| 37218 | $2,049 | 0% |
| 37219 | $2,050 | 1% |
| 37220 | $2,018 | -1% |
| 37221 | $1,993 | -2% |
| 37228 | $2,038 | 0% |
| 37235 | $2,009 | -2% |
| 37238 | $2,071 | 2% |
| 37240 | $1,997 | -2% |
Nashville minimum car insurance requirements
Drivers in Nashville are required by law to have a minimum of 25/50/25 liability car insurance. This means:
- $25,000 of bodily injury liability coverage for one person
- $50,000 of bodily injury liability coverage for two or more people
- $25,000 of property damage liability coverage
Bodily injury liability coverage helps pay for the injuries of others if you cause an accident. It can also cover your legal expenses tied to a crash. Property damage liability handles repairs to others’ vehicles or personal property after an accident.