Cheap Car Insurance in Nashville

Cheapest full coverage car insurance quotes in Nashville: State Farm

State Farm has the cheapest full coverage car insurance for most drivers in Nashville, at an average rate of $1,578 a year, or $132 a month. Erie offers the next-cheapest rate of $1,620 a year. Both companies are well below Nashville’s average rate of $2,024 a year.

While USAA has the cheapest overall rate for full coverage insurance 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

Nashville’s cheapest liability car insurance: State Farm

At $618 a year, or $52 a month, State Farm also has the cheapest liability car insurance rates in Nashville. Erie is right behind at $638 a year. Both companies fall under the city average rate of $775 a year.

With State Farm and Erie being so close in price for liability insurance , 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

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

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

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

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

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

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

Best car insurance companies in Nashville

State Farm is Nashville’s best auto insurance company because of its low average rate, many coverage options and good customer satisfaction and financial strength ratings.

Erie scores better on customer satisfaction with J.D. Power , 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++

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:

Car insurance rates near you