Best Nashville, TN Auto Insurance in 2025 (Compare the Top 10 Companies)

State Farm is the top pick for the best Nashville, TN auto insurance, offering a balance of affordability, customer satisfaction, and strong claims handling. USAA and Geico also provide competitive rates, with premiums starting as low as $26 per month for eligible drivers.

Factors that affect your car insurance premium, such as credit score, driving history, and vehicle type, play a crucial role in determining your rate, making comparison shopping essential.

Our Top 10 Company Picks: Best Nashville, TN Auto Insurance

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#1 – State Farm: Top Pick Overall

Pros

• Strong Customer Support: State Farm offers top-tier customer service for auto insurance in Nashville, ensuring prompt assistance and claim resolution.
• Extensive Agent Network: Get the full story by checking “State Farm Auto Insurance Review,” which highlights how a vast network of local agents ensures in-person support is accessible.
• Reliable Claims Process: State Farm’s auto insurance in Nashville is known for a seamless claims process that minimizes policyholder stress.

Cons

• Higher Premiums: State Farm’s auto insurance in Nashville tends to be more expensive compared to budget-friendly options.
• Limited Discounts: Despite offering some savings, State Farm’s auto insurance in Nashville lacks the variety of discounts provided by competitors.

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#2 – USAA: Best for Military Benefits

Pros

• Low-Cost Premiums: It offers some of the lowest Nashville auto insurance rates available today.
• Exclusive Military Benefits: USAA offers military-specific discounts for Nashville family auto insurance. For additional insights, see our “USAA Auto Insurance Review.”
• Exceptional Financial Strength: SAA has an A++ rating and is a testament to financial protection for insurance claims.

Cons

• Restricted Membership: USAA’s auto insurance is only available to Nashville military families.
• Limited Local Offices: USAA’s lack of a physical office for Nashville auto insurance is inconvenient.

#3 – Geico: Best for Budget-Friendly Coverage

Pros

• User-Friendly Digital Tools: Expand your understanding with “Geico Auto Insurance Review,” highlighting how it provides an excellent mobile app for managing policies efficiently.
• Competitive Rates: Geico offers some of the most budget-friendly auto insurance premiums for Nashville drivers.
• Generous Discounts: Geico offers policyholders multiple auto insurance savings options in Nashville.

Cons

• Limited Agent Availability: Geico primarily operates online, so fewer local Nashville agents are available.
• Claims Processing Delays: Some customers report slower claims processing for auto insurance in Nashville than competitors.

#4 – Erie: Best for Claims Satisfaction

Pros

• Comprehensive Coverage Options: It provides flexible policy choices for auto insurance for Nashville residents.
• High Claims Satisfaction: Erie is famous for fast and effective auto insurance claims processing.
• Rate Lock Feature: Erie’s rate lock keeps Nashville auto insurance premiums stable over time. Read our “Erie Auto Insurance Review” to find out more.

Cons

• Fewer Discounts: It offers fewer discounts on auto insurance in Nashville than other providers.
• Limited Availability: Erie Nashville auto insurance cannot be purchased in all states, reducing the ability to choose providers.

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#5 – Progressive: Best for Competitive Rates

Pros

• Snapshot Program Savings: Progressive’s Snapshot program rewards safe drivers with lower auto insurance rates in Nashville.
• Flexible Coverage Options: Progressive offers a variety of policy add-ons for auto insurance in Nashville.
• Online Quote Convenience: Progressive makes comparing auto insurance rates in Nashville quick and straightforward. For further insights, see our “Progressive Auto Insurance Review.”

Cons

• Higher Rates for High-Risk Drivers: Progressive’s auto insurance in Nashville is expensive for drivers with violations.
• Customer Service Variability: Some policyholders report inconsistent support with Progressive’s Nashville auto insurance services.

#6 – Nationwide: Best for Personalized Plans

Pros

• Personalized Plans: Nationwide customizes policies to fit different auto insurance needs in Nashville.
• SmartRide Discount Program: Safe drivers can save on auto insurance in Nashville through Nationwide’s SmartRide program.
• Strong Financial Stability: Nationwide’s high A.M. Best rating ensures reliable auto insurance coverage in Nashville.

Cons

• Higher Premiums for Low-Mileage Drivers: Nationwide’s auto insurance isn’t cost-effective for Nashville drivers who drive infrequently.
• Fewer Local Agents: Explore further details in our “Nationwide Auto Insurance Review,” as there are fewer in-person service options available for Nationwide auto insurance in Nashville.

#7 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Policy Options: Travelers has several customization levels for Nashville’s car insurance policy. For additional insights, refer to our “Travelers Auto Insurance Review.”
• Multi-Policy Discounts: Travelers reward customers who bundle auto insurance in Nashville effectively.
• Strong Financial Rating: Travelers’ A++ rating ensures secure auto insurance claims payouts in Nashville.

Cons

• Limited Digital Tools: Travelers lacks a robust mobile app for managing auto insurance policies.
• Fewer Discount Programs: While robust coverage, Travelers offers fewer savings opportunities for auto insurance in Nashville.

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#8 – Allstate: Best for Coverage Options

Pros

• Extensive Coverage Options: Allstate offers broad Nashville auto insurance coverage options for all needs.
• Strong Nationwide Presence: Allstate is a reliable auto insurance brand in Nashville.
• DriveWise Safe Driving Rewards: Elevate your knowledge with our “Allstate Auto Insurance Review,” where safe drivers in Nashville can learn how to get discounts using Allstate’s DriveWise program.

Cons

• Higher Premiums: Allstate’s auto insurance in Nashville tends to be more expensive than its competitors.
• Mixed Customer Service Reviews: Some customers experience inconsistent support when handling auto insurance claims in Nashville.

#9 – Liberty Mutual: Best for Flexible Policies

Pros

• Flexible Policy Options: Liberty Mutual provides customizable policies for auto insurance in Nashville.
• RightTrack Discount for Safe Driving: Liberty Mutual’s RightTrack program allows safe drivers to save on auto insurance in Nashville.
• New Car Replacement Benefit: Liberty Mutual offers a new car replacement feature for auto insurance policyholders in Nashville, TN.

Cons

• Higher Costs for Comprehensive Coverage: Liberty Mutual’s Nashville auto insurance complete coverage plans are expensive.
• Limited Local Agent Support: Liberty Mutual has fewer in-person agents assisting with auto insurance. Gain deeper insights by exploring our “Liberty Mutual Auto Insurance Review.”

#10 – Farmers: Best for Local Agents

Pros

• Local Agent Access: Farmers offers individual Nashville auto insurance assistance via local agents.
• Comprehensive Coverage Plans: Farmers provides extensive auto insurance options for Nashville residents.
• Strong Discount Programs: Enhance your knowledge with “Farmers Auto Insurance Review,” which highlights the numerous savings that it offers for auto insurance policyholders in Nashville.

Cons

• Higher Premiums for Younger Drivers: Farmers’ auto insurance in Nashville is expensive for young drivers.
• Limited Digital Features: Farmers lacks advanced online tools for Nashville auto insurance policy management.

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Importance of Auto Insurance in Nashville, TN

Auto insurance is essential for every driver in Nashville, TN. It provides financial protection against accidents, theft, and damages. Understanding auto insurance coverage options helps drivers choose a policy that balances affordability and comprehensive protection.

Nashville, TN Auto Insurance Monthly Rates by Provider & Coverage Level

As you see in the table above, auto insurance costs vary based on the provider and coverage level, with minimum coverage ranging from $26 to $145 per month and full coverage ranging from $37 to $215 per month. State Farm offers the lowest rates at $26 for minimum coverage and $37 for the whole, while Liberty Mutual is the most expensive at $145 and $215, respectively.

Analyzing these rates, it is evident that some companies provide highly competitive pricing, especially for budget-conscious drivers. However, the differences in pricing reflect factors such as customer service, claim handling efficiency, and additional policy benefits.

Auto insurance in Nashville is crucial for financial security and compliance with state laws. It ensures drivers are protected against unexpected expenses, liabilities, and potential legal issues, making it a necessary investment for every vehicle owner.

How Available Discounts Help with Nashville Auto Insurance

Nashville drivers can save on auto insurance with discounts from top providers. These discounts reward safe driving, bundling policies, and other good habits, helping lower monthly costs while keeping good coverage.

Auto Insurance Discounts From the Top Providers in Nashville, TN

Many major insurance companies in Nashville provide discounts tailored to different customer needs. The table shows that State Farm and Allstate offer discounts for safe driving and good students, while Geico and USAA provide savings for military personnel. Additionally, programs like Progressive’s Snapshot and Liberty Mutual’s RightTrack help drivers save by monitoring their driving habits.

These discounts are beneficial for meeting Tennessee’s minimum car insurance requirements at a lower cost. Since drivers must carry at least the state-required liability coverage, using available discounts makes it easier to afford comprehensive protection.

By taking advantage of these savings, Nashville drivers can stay legally insured while securing better financial protection against accidents and unexpected events.

How Nashville’s Driving Conditions Impact Auto Insurance Rates

Nashville’s driving conditions play a significant role in determining auto insurance rates for residents. Factors such as traffic congestion, accident risks, vehicle theft, and the prevalence of uninsured drivers all contribute to higher or lower premiums, depending on a driver’s location and habits.

Best Nashville, TN Auto Insurance Report Card

Traffic congestion is heavy during rush hours, increasing the likelihood of collisions, especially in downtown areas. High vehicle theft rates and a large number of uninsured drivers further drive up insurance costs as companies compensate for potential losses.

Auto Insurance Discounts From Top Nashville, TN Providers

Despite these challenges, drivers can lower their premiums through discounts for safe driving, bundling policies, and using anti-theft devices. Major insurers in Nashville, such as Liberty Mutual and Progressive, offer substantial savings, particularly for good drivers and those enrolled in usage-based insurance programs.

Auto Insurance Coverage Requirements in Tennessee

Driving legally in Nashville requires:

Coverage	Requirements	Most Common
Bodily Injury Liability	25,000/50,000	100,000/300,000
Property Damage Liability	15,000	50,000
Uninsured Motorist Bodily Injury	Not required	100,000/300,000
Medical Payments	Not required	2,000
Collision	Not required	500 deductible
Comprehensive	Not required	100 deductible

Keep in mind that these state minimums rarely ever provide sufficient coverage when it comes to your average driver. This is because most motorists are driving relatively younger vehicles, are still making loan payments, or may even be leasing their vehicle. And in most of those cases, you’re going to need a comprehensive policy in order to protect your investment.

There are many unfortunate drivers riding around in Nashville right now with payments as high as $116 per month, which is the reported state average for Tennessee. However, there are deals going on right now in your city which make it possible to get good coverage for as low as $34/mo* – and we can prove it to you if you let us help you compare rates today.

 

State Farm, Erie, and Nationwide are all on the cheaper side of the automotive insurance spectrum right now, if you happen to be the average driver. However, a poor credit score or several DUIs on your record might make it impossible to get low rates from any company, regardless of who you ask.

Organizations which provide you with Tennessee auto insurance policies consider several factors while establishing insurance rates, especially gender, driving violations, type of vehicle owned, driving distance to work, and multiple cars and drivers. Also remember that premiums may alter from carrier to carrier. To find out if that you’re still receiving the lowest-cost cost, do a comparison of cheap Nashville auto insurance premiums over the internet.

Major Car Insurance Factors in Nashville

Any time your automobile insurance company sits down to create your policy, they take lots of specifics under consideration. Some, just like credit history or your particular region, can be not possible to improve. Some alternative elements are:

Your Zip Code

Where you store your car each night will probably have a major influence on your car insurance rate. Typically, auto insurance is less expensive in outlying areas merely because a lesser number of cars and trucks means a reduced likelihood that you’ll get into an accident with some other car. The populace of Nashville is 634,464 and also the typical family income is $46,803.

 

Automotive Accidents

Any area with a high rate of accidents, especially deadly ones, is likely to see local insurance companies raise rates for everyone. But for drivers who don’t have any serious accidents or other violations on their record, you might want to ask your insurer about Safe Driver discounts.

 

Auto Thefts in Nashville

Dwelling in a big city (particularly any with a significant rate of crime) can increase your chance of being a target for auto theft. In cases where your overall location has higher statistics of auto theft claims filed, you can expect to pay much more for car insurance to be able to counterbalance these expenses. The total number of taken vehicles in 2013 was up to 1,197 in Nashville. But this doesn’t mean you should risk skimping on your Comprehensive coverage just to save a buck – it’s still a good idea to have it on your policy.

 

Your Credit Score

If you’re a driver with poor credit in Nashville, most providers will at least double the cost of your monthly premium compared to other drivers. Some companies may even come close to tripling or quadrupling it.

 

Your Age

If you’re trying to find cheap insurance for a student or a teenage driver, you’re going to have a difficult time. Yes, Good Student and Driver’s Ed discounts will help, but at the end of the day they will still have to pay much more expensive rates than adults or seniors.

 

Your Driving Record

Serious driving violations can send your premiums through the roof, or may even get your coverage dropped completely. But for the lesser violation(s) on your record, you might want to ask about an Accident Forgiveness discount. This lowers your rate by making sure at least one of those minor violations aren’t calculated in the overall cost of your premium.

 

Your Vehicle

With car insurance, you’re essentially wasting money and leaving yourself vulnerable to economic hardship if you don’t purchase enough coverage for your vehicle. For older, cheaper vehicles, sometimes the state minimum is enough. But for a luxury vehicle, you’re going to want to purchase multiple types of coverage, and in very high amounts, just in case the worst happens.

 

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Minor Car Insurance Factors in Nashville

Some drivers may be surprised to learn about the following factors’ effect on your insurance bill:

Your Marital Status

Have you and your spouse started bundling your policies together? Well, you should! It’s a great way to reduce your household bills. And single people can bundle too, especially if they have renter’s or motorcycle insurance with the same company.

Your Gender

In truth, there’s really no significant difference between how women and men drive. And because of this, most companies don’t even charge different rates based on gender anymore. Some still do, but the overcharged gender varies from one company to the other.

Your Driving Distance to Work

Gridlock can be intense when commuting around Nashville; average trips of around 16-29 minutes tend to plague the average driver. And since most drivers commute alone in their own truck or car (77%), this can make some pretty big traffic jams! Another 5-18% try to avoid this by carpooling.

Did you know that slashing your annual mileage by 5,000 miles each year will only get you a 4-6% discount on your premium? That means you’ll have to give up driving at least 14 miles each day. Most people are only on the road when they have to be to start with, so 14 miles a day is a pretty big sacrifice for such a small discount.

Your Coverage and Deductibles

Raising your deductible is a great way to lower your monthly premium. But make sure you protect yourself financially by setting aside at least the cost of that deductible into a savings account, and don’t touch it unless it’s an absolute emergency. After all, how devastating would it be if your car was stuck in the shop, and you didn’t have the money to file a claim and get it repaired?

Education in Nashville, TN

Almost one-quarter of the Nashville population owns a high school diploma or another equivalent, while an impressive 19% of residents also have a bachelor’s degree hanging on their wall. If you fit into this group, you also fit into another group according to your auto insurance provider – the group of people who are automatically offered cheaper policies!

Nashville is populated by so many universities that it has been nicknamed “The Athens of the South”. There are scores of different schools to choose from, ranging from the prestigious Nashville School of Law to private universities such as Free Will Baptist Bible College. There are also technical schools like The International Academy of Design and Technology, and large public schools, such as Tennessee State University.

You should not permit an unsatisfactory car insurance agency persuade you into getting a car insurance policy that is not right for you. Yes, the total amount of related information required in order to determine your individual risk profile can be overwhelming, but comparison web pages similar to this might help make your search much easier. Just simply type in a few details below, and we’ll take over from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Key Insights for Auto Insurance in Nashville, TN

Nashville drivers can lower their insurance costs by taking advantage of programs like RightTrack Program discounts, which reward safe driving habits. Comparing rates from multiple providers helps ensure the best balance of affordability and quality coverage.

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Understanding the types of auto insurance coverage is essential for selecting the right policy. Drivers can choose from liability, collision, comprehensive, and additional coverage options to protect against accidents, theft, and other risks.

Enter your ZIP code below in our free tool to compare affordable auto insurance quotes for Nashville, TN.

Sources:

Tennessee Department of Commerce & Insurance

Tennessee Department of Finance & Administration

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov