Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Nashville, TN for senior drivers are $1,792/year
  • Average car insurance rates in Nashville, TN are $282/month
  • The cheapest car insurance company in Nashville for teen drivers is USAA

Average car insurance rates in Nashville, Tennessee are $282 a month. But with a little research you can get a great deal from the top car insurance companies in Nashville, TN. Before you buy Nashville, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Nashville car insurance rates with Jackson car insurance rates, Hendersonville car insurance rates, or Murfreesboro car insurance rates to make sure you’re getting the best Nashville, TN car insurance quotes available.

Need affordable Nashville, TN car insurance? Enter your ZIP code to compare Nashville car insurance quotes from multiple car insurance companies near you.

Nashville, TN Minimum Car Insurance Coverage

Nashville, Tennessee law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Nashville, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Nashville, TN Car Insurance Rates by Coverage Level

Some Nashville drivers can get by with the Tennessee minimum coverage of 25/50/15. Other drivers may need more. See how much your Nashville, Tennessee car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Nashville, Tennessee

Insurance Company Low Medium High
Allstate $4,624 $4,787 $4,986
Farmers $3,081 $3,235 $3,423
GEICO $3,046 $3,206 $3,383
Liberty Mutual $5,996 $6,272 $6,544
Nationwide $3,701 $3,599 $3,730
Progressive $3,628 $3,903 $4,161
State Farm $2,574 $2,760 $2,902
Travelers $2,664 $2,842 $3,027
USAA $2,527 $2,606 $2,714

Nashville, TN Car Insurance Rates by Age, Gender, and Marital Status

Nashville, Tennessee car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Nashville, TN car insurance, get quotes from multiple car insurance companies in the Nashville area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Nashville, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,763 $2,650 $2,492 $2,586 $10,493 $11,440 $2,937 $3,033
Farmers $1,702 $1,732 $1,520 $1,671 $7,053 $7,516 $2,316 $2,463
GEICO $2,095 $2,109 $1,923 $1,923 $6,596 $6,690 $2,143 $2,212
Nationwide $2,331 $2,348 $2,089 $2,119 $6,521 $8,403 $2,688 $2,914
Progressive $1,950 $1,824 $1,596 $1,669 $9,055 $10,175 $2,350 $2,559
State Farm $1,642 $1,642 $1,494 $1,494 $5,187 $6,479 $1,861 $2,165
Travelers $1,811 $1,906 $1,658 $1,764 $5,189 $6,474 $1,926 $2,026
USAA $1,477 $1,501 $1,336 $1,335 $5,260 $6,038 $1,930 $2,047

Nashville, TN Car Insurance Rates for Teens

How much is Nashville, Tennessee car insurance for teens? Compare rates from top Nashville car insurance companies below to help find the cheapest teen car insurance in Nashville, TN.

Annual Car Insurance Rates for Teen Drivers in Nashville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,493 $11,440
Farmers $7,053 $7,516
GEICO $6,596 $6,690
Nationwide $6,521 $8,403
Progressive $9,055 $10,175
State Farm $5,187 $6,479
Travelers $5,189 $6,474
USAA $5,260 $6,038

Nashville, TN Car Insurance Rates for Seniors

Before seniors buy Nashville, Tennessee car insurance, they should make sure to shop around. Some Nashville, TN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Nashville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,492 $2,586
Farmers $1,520 $1,671
GEICO $1,923 $1,923
Nationwide $2,089 $2,119
Progressive $1,596 $1,669
State Farm $1,494 $1,494
Travelers $1,658 $1,764
USAA $1,336 $1,335

Nashville, TN Car Insurance Rates by Credit History

How does your credit history affect Nashville, TN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Nashville, Tennessee

Insurance Company Poor Fair Good
Allstate $6,119 $4,694 $3,585
Farmers $3,846 $3,028 $2,866
GEICO $3,639 $3,122 $2,873
Liberty Mutual $8,972 $5,521 $4,318
Nationwide $4,412 $3,509 $3,109
Progressive $4,361 $3,785 $3,547
State Farm $3,988 $2,392 $1,857
Travelers $3,610 $2,848 $2,074
USAA $3,782 $2,226 $1,839

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Nashville, TN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Nashville, Tennessee car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Nashville.

Annual Nashville, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,014 $4,789 $5,798 $4,597
Farmers $2,781 $3,428 $3,498 $3,279
GEICO $2,350 $3,130 $5,017 $2,350
Liberty Mutual $5,080 $7,340 $6,819 $5,842
Nationwide $3,179 $3,179 $4,782 $3,566
Progressive $3,430 $4,472 $3,652 $4,036
State Farm $2,492 $2,999 $2,746 $2,746
Travelers $2,303 $2,963 $3,279 $2,832
USAA $1,904 $2,853 $3,344 $2,362

Nashville, TN Car Insurance Rates With a DUI

Even a single DUI can increase your Nashville, TN car insurance rates. Compare rates below to see which Nashville car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Nashville, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,798
Farmers $3,498
GEICO $5,017
Liberty Mutual $6,819
Nationwide $4,782
Progressive $3,652
State Farm $2,746
Travelers $3,279
USAA $3,344

Nashville, TN Car Insurance Rates by ZIP Code

Just like Nashville car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Nashville, TN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Nashville, Tennessee

ZIP Code Average Annual Rates
37080 $3,868
37201 $3,757
37203 $3,704
37204 $3,841
37205 $3,741
37206 $3,926
37207 $3,896
37208 $3,820
37209 $3,777
37210 $3,719
37211 $3,846
37212 $3,651
37213 $3,702
37214 $3,872
37215 $3,714
37216 $3,742
37217 $4,006
37218 $3,730
37219 $3,751
37220 $3,716
37221 $3,748
37228 $3,722
37235 $3,725
37238 $3,736
37240 $3,686

Nashville, TN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Nashville, TN car insurance rates may be. Let’s take a look at average car insurance rates from top Nashville companies based on commute time.

Annual Car Insurance Rates by Commute Length in Nashville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,799 $4,799
Farmers $3,246 $3,246
GEICO $3,188 $3,235
Liberty Mutual $6,270 $6,270
Nationwide $3,677 $3,677
Progressive $3,897 $3,897
State Farm $2,679 $2,812
Travelers $2,732 $2,956
USAA $2,542 $2,689

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Nashville, TN Cheapest Car Insurance Rates

How do the top Nashville, Tennessee car insurance companies’ average rates stack up against the Nashville average monthly car insurance rates of $282? Take a look and see.

Best Annual Car Insurance Rates by Company in Nashville, Tennessee

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Nashville, TN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Nashville, Tennessee car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Nashville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,799
Farmers $3,246
GEICO $3,211
Nationwide $3,677
Progressive $3,897
State Farm $2,746
Travelers $2,844
USAA $2,616

Other Factors Affecting Nashville, TN Car Insurance Rates

Before you buy Nashville, Tennessee car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Nashville, TN Commute Time

How does your Nashville, TN commute time compare with the average driver? In Nashville, the average commute is 25.0 minutes.

Nashville, TN Traffic

Spending time in Nashville traffic can lead to higher car insurance rates. According to INRIX data, Nashville, TN ranks as the 278th-most congested with traffic in the world.

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Nashville, TN Car Insurance Quotes

Compare Nashville, TN car insurance quotes from multiple companies by entering your ZIP code now.