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Car Insurance Quotes in Nashville, TN

Full coverage / year
$2,082
State minimum / year
$630
Typical quote range
$1,478 – $2,873

The estimated cost of full coverage car insurance in Nashville is $2,082 a year, against $630 for a state-minimum policy. Rates here run roughly 16% higher than the rest of Tennessee, driven by city-level congestion, a higher share of uninsured drivers, and costlier repairs. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Nashville, TN

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$173/ month
$2,082 per year · carriers in Nashville, TN typically quote $1,478 – $2,873
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Nashville, TN

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,582$132-24%Military members and families only
Geico$1,707$142-18%Usually cheapest for clean records
State Farm$1,832$153-12%Strong for young and student drivers
Progressive$1,978$165-5%Competitive after a ticket or accident
Travelers$2,020$168-3%Good multi-policy discounts
Nationwide$2,082$1740%Mid-market, wide availability
Allstate$2,373$198+14%Higher base rate, heavy discount stacking
Farmers$2,519$210+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Nashville, TN. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Nashville

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,623$1,702$469
18 years old$4,743$1,436$395
20 years old$3,927$1,189$327
22 years old$3,262$987$272
25 years old$2,489$754$207
30 years old$2,146$650$179
40 years old$2,017$611$168
50 years old$1,931$585$161
60 years old$1,910$578$159
65 years old$1,996$604$166
70 years old$2,189$663$182
75 years old$2,554$773$213

Estimated premiums by age in Nashville, TN, clean record, sedan.

What a ticket, accident or DUI costs in Nashville

Driving recordEst. annualIncrease
Clean record$2,082—
1 speeding ticket$2,560+23%
1 at-fault accident$3,060+47%
DUI / DWI$3,934+89%

What a violation costs a 35-year-old in Nashville, TN. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Tennessee

Every driver registering a vehicle in Tennessee must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Tennessee Department of Insurance.

Required coverage in TennesseeMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
Insurance systemAt-fault (tort)

Coverage levels compared in Nashville

Coverage levelEst. annualEst. monthly
State minimum liability$630$53
Full coverage (100/300/100 + comp & collision)$2,082$173
Full coverage, high limits + low deductible$2,477$206

Coverage level comparison for Nashville, TN.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Nashville

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Nashville covers 37201, 37202, 37203, 37204, 37205, 37206 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Nashville, TN?
Full coverage in Nashville is estimated at $2,082 a year ($174 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $630 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Tennessee?
Tennessee requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Tennessee is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Nashville?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Nashville for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Nashville?
An 18-year-old in Nashville is estimated at $4,743 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Nashville?
A DUI takes the estimate from $2,082 to about $3,934 a year in Nashville, an increase of roughly 89%. Tennessee drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Nashville?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

HermitageBrentwoodGoodlettsvilleHendersonvilleMount JulietLa VergneFranklinSmyrna

Comparing more of Tennessee? See every Tennessee city we price or read the cheap car insurance guide for Nashville.