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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
Nashville drivers pay an average of $120 per month for car insurance, according to Compare.com data. Factors like the city’s population density, traffic patterns, and crime rates all affect the city’s average rates.
Still, many companies offer policies that cost well below the citywide average. For example, our research shows that Sun Coast, State Farm, and Mile Auto offer the cheapest rates, on average.
Sun Coast has the cheapest average full-coverage rate, at $106 per month. But that doesn’t mean it’s necessarily the cheapest option for you. After all, several factors — including your age, driving record, and coverage needs — play a role in how much you pay.[1]
In this article, we’ll explore the cheapest insurers for various driver types, how to choose the right company, and tips for saving on car insurance in Nashville.
Nashville drivers pay an average of $81 per month for liability coverage and $159 for full coverage.
Tennessee requires drivers to have at least 25/50/15 in liability insurance and 25/50 in uninsured motorist coverage.
To save on car insurance, think about bundling policies, keeping a clean driving record, and comparing quotes from multiple companies.[2]
You can still find ways to save on your car insurance, regardless of average rates — you just have to know where to look. Several companies offer rates below Nashville’s citywide average.
The table below shows the cheapest insurers in Nashville, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Sun Coast | $55 |
| Mile Auto | $56 |
| State Farm | $56 |
| Certainly | $62 |
| Progressive | $64 |
| Direct Auto | $65 |
| USAA | $67 |
| AssuranceAmerica | $72 |
| GEICO | $73 |
| Freedom National | $76 |
| Auto-Owners | $77 |
| Travelers | $77 |
| The General | $78 |
| Erie | $83 |
| Trexis | $83 |
| Safeco | $90 |
| Trexis One | $92 |
| GAINSCO | $96 |
| Dairyland | $97 |
| Mendota | $100 |
| Allstate | $103 |
| First Acceptance | $106 |
| National General | $106 |
| Farmers | $112 |
| Liberty Mutual | $119 |
| Foremost | $120 |
| Bristol West | $121 |
| Root | $121 |
| Elephant | $127 |
| Nationwide | $137 |
| Chubb | $161 |
| State Auto | $214 |
Sun Coast offers the cheapest average car insurance rate, at $55 per month. But these broad averages are just that — averages. They’re not always the best indicator of which company will be the cheapest for your unique driver profile.
In the following sections, we’ll break down the cheapest companies by several popular coverages and driver types.
Compare personalized quotes from Nashville’s top insurers.
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Although the companies we mentioned above are a good starting point, your personal car insurance quotes can vary widely based on factors like your age, driving record, address, and more.
With that in mind, the table below shows the cheapest companies for a variety of backgrounds and coverages, based on our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Sun Coast | $55 |
| Full coverage | Sun Coast | $106 |
| Teens | Sun Coast | $112 |
| Seniors | Sun Coast | $48 |
| Drivers with a speeding ticket | Sun Coast | $73 |
| Drivers with an at-fault accident | Sun Coast | $77 |
| Drivers with a DUI | Sun Coast | $79 |
| Drivers with excellent credit | Sun Coast | $49 |
| Drivers with poor credit | Sun Coast | $69 |
We’ve included further breakdowns for each driver type in the subsections below.
The average rate for minimum coverage in Nashville is $81 per month, according to our data. But most experts suggest buying more coverage than the state requires.[3] This extra protection can help safeguard your assets if you’re in a serious accident.
But if minimum coverage is right for you, check out the chart below, which shows the five cheapest companies for state-minimum coverage, based on our research.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $55 |
| Mile Auto | $56 |
| State Farm | $56 |
| Certainly | $62 |
| Progressive | $64 |
| Direct Auto | $65 |
| USAA | $67 |
| AssuranceAmerica | $72 |
| GEICO | $73 |
| Freedom National | $76 |
| Auto-Owners | $77 |
| Travelers | $77 |
| The General | $78 |
| Erie | $83 |
| Trexis | $83 |
| Safeco | $90 |
| Trexis One | $92 |
| GAINSCO | $96 |
| Dairyland | $97 |
| Mendota | $100 |
| Allstate | $103 |
| First Acceptance | $106 |
| National General | $106 |
| Farmers | $112 |
| Liberty Mutual | $119 |
| Foremost | $120 |
| Bristol West | $121 |
| Root | $121 |
| Elephant | $127 |
| Nationwide | $137 |
| Chubb | $161 |
| State Auto | $214 |
Most drivers should think about full coverage for better protection. These more robust policies typically include comprehensive and collision coverage on top of liability, which pay for damage to your car from things like accidents, theft, vandalism, and severe weather.
And if you finance or lease your car, your lender or leasing company will require you to have full coverage.[4]
Our research found that the average rate for full coverage in Nashville is $159 per month.
The chart below shows the five cheapest insurers in Nashville for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $106 |
| Sun Coast | $106 |
| Progressive | $122 |
| State Farm | $124 |
| Direct Auto | $143 |
| USAA | $146 |
| GEICO | $162 |
| Safeco | $163 |
| Travelers | $169 |
| Auto-Owners | $170 |
| National General | $172 |
| Certainly | $175 |
| Erie | $181 |
| AssuranceAmerica | $185 |
| Elephant | $191 |
| Trexis | $193 |
| Root | $203 |
| Trexis One | $221 |
| Liberty Mutual | $226 |
| The General | $226 |
| Allstate | $228 |
| Mendota | $238 |
| GAINSCO | $239 |
| Farmers | $246 |
| Freedom National | $262 |
| Bristol West | $265 |
| First Acceptance | $276 |
| Foremost | $276 |
| Dairyland | $289 |
| Nationwide | $302 |
| Chubb | $354 |
| State Auto | $472 |
Teens have some of the most expensive auto insurance rates of any age group. That’s because they don’t have much driving experience and are more likely to get into accidents. For example, research from the Insurance Institute for Highway Safety (IIHS) shows that teen drivers have crash rates nearly four times those of drivers 20 and older.[5]
To illustrate that point, the average teen pays nearly double that of someone 20 or older, according to our research.
Our data shows that the average rate for teens in Nashville is $244 per month.
The chart below shows the five cheapest insurers in Nashville for teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $112 |
| State Farm | $115 |
| Mile Auto | $122 |
| Certainly | $126 |
| Progressive | $130 |
| USAA | $132 |
| Direct Auto | $132 |
| GEICO | $139 |
| The General | $145 |
| Freedom National | $155 |
| Erie | $161 |
| Auto-Owners | $163 |
| Travelers | $169 |
| Trexis | $169 |
| Dairyland | $177 |
| GAINSCO | $186 |
| Trexis One | $187 |
| Safeco | $191 |
| Mendota | $204 |
| Allstate | $215 |
| First Acceptance | $216 |
| Root | $222 |
| Liberty Mutual | $223 |
| National General | $227 |
| Bristol West | $229 |
| Farmers | $236 |
| Elephant | $239 |
| Nationwide | $283 |
| Chubb | $351 |
| State Auto | $545 |
Seniors tend to have the cheapest rates of any age group, largely because of their extensive driving experience, lower mileage, and lower likelihood of driving at night.[6] The average rate for seniors in Nashville is $104 per month, according to Compare.com data.
The chart below shows the five cheapest insurers in Nashville for seniors, based on our research.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $44 |
| State Farm | $44 |
| Sun Coast | $48 |
| Direct Auto | $52 |
| Certainly | $54 |
| USAA | $54 |
| Progressive | $55 |
| GEICO | $58 |
| Auto-Owners | $61 |
| Travelers | $61 |
| Erie | $64 |
| The General | $66 |
| Freedom National | $66 |
| Trexis | $72 |
| Safeco | $79 |
| Trexis One | $79 |
| GAINSCO | $82 |
| Dairyland | $82 |
| National General | $83 |
| Allstate | $84 |
| Mendota | $86 |
| Farmers | $89 |
| First Acceptance | $92 |
| Liberty Mutual | $99 |
| Bristol West | $101 |
| Root | $101 |
| Nationwide | $105 |
| Elephant | $105 |
| Chubb | $122 |
| State Auto | $162 |
Getting a ticket or other moving violation can make your rates go up the next time your policy renews. Insurance companies see tickets as a sign of risky driving behavior, indicating a higher likelihood of filing a claim in the future.[7] Our research shows that even a single speeding ticket increases average rates by 28% nationwide.
The average rate for people with a recent ticket in Nashville is $159 per month, based on our research.
The chart below shows the five cheapest insurers in Nashville for people with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $70 |
| Sun Coast | $73 |
| State Farm | $73 |
| Certainly | $82 |
| Direct Auto | $83 |
| Progressive | $85 |
| USAA | $89 |
| GEICO | $98 |
| Freedom National | $100 |
| Travelers | $103 |
| Auto-Owners | $103 |
| The General | $107 |
| Trexis | $110 |
| Erie | $112 |
| GAINSCO | $118 |
| Safeco | $122 |
| Trexis One | $122 |
| Dairyland | $125 |
| Mendota | $132 |
| National General | $136 |
| Allstate | $138 |
| First Acceptance | $140 |
| Farmers | $147 |
| Liberty Mutual | $155 |
| Elephant | $156 |
| Bristol West | $156 |
| Root | $165 |
| Nationwide | $183 |
| Chubb | $210 |
| State Auto | $292 |
Causing an accident can make your rates jump substantially. That’s because insurance companies see accidents as a sign of increased risk and adjust premiums accordingly. Our research shows that even one at-fault accident makes average rates increase by 33% nationwide.
The average rate for Nashville drivers with a recent accident is $168 per month, according to our data.
The chart below shows the five cheapest insurers in Nashville for people with a recent accident, based on our research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $76 |
| Sun Coast | $77 |
| Mile Auto | $78 |
| Certainly | $87 |
| Progressive | $89 |
| Direct Auto | $91 |
| USAA | $92 |
| GEICO | $98 |
| Auto-Owners | $105 |
| Freedom National | $106 |
| Travelers | $106 |
| The General | $110 |
| Erie | $113 |
| Trexis | $116 |
| GAINSCO | $126 |
| Trexis One | $129 |
| Safeco | $129 |
| Dairyland | $132 |
| Mendota | $140 |
| Allstate | $142 |
| National General | $145 |
| First Acceptance | $148 |
| Farmers | $153 |
| Liberty Mutual | $163 |
| Bristol West | $164 |
| Root | $166 |
| Elephant | $171 |
| Nationwide | $189 |
| Chubb | $219 |
| State Auto | $300 |
A DUI conviction causes the sharpest increase in car insurance rates of any incident. That’s because driving under the influence is seen as extremely risky behavior that often leads to future accidents and claims.[8] In fact, our research shows nationwide rates increase by an average of 59% after a DUI conviction.
We found that the average rate for Nashville drivers with a DUI conviction is $172 per month. But that doesn’t mean you’re stuck paying much higher rates.
The chart below shows the five cheapest insurers in Nashville for people with DUIs, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $79 |
| Mile Auto | $82 |
| State Farm | $82 |
| Certainly | $89 |
| Progressive | $92 |
| Direct Auto | $95 |
| USAA | $98 |
| GEICO | $105 |
| Freedom National | $109 |
| Auto-Owners | $112 |
| Travelers | $112 |
| The General | $114 |
| Trexis | $119 |
| Erie | $120 |
| Trexis One | $132 |
| Safeco | $139 |
| GAINSCO | $140 |
| Dairyland | $142 |
| Mendota | $143 |
| Allstate | $150 |
| First Acceptance | $152 |
| National General | $155 |
| Farmers | $163 |
| Liberty Mutual | $174 |
| Bristol West | $177 |
| Root | $177 |
| Elephant | $185 |
| Nationwide | $200 |
| Chubb | $235 |
| State Auto | $292 |
Some insurance companies look at your credit history when calculating your rates. While insurance and credit may seem unrelated, insurers consider your credit because studies have shown a link between it and the likelihood of filing an insurance claim.[9] Our research shows drivers with poor credit pay 40% more than people with excellent credit.
The average rate for people with poor credit in Nashville is $150 per month, according to our data.
But don’t let your credit get you down — the table below highlights five companies offering great rates to Nashville drivers who struggle with credit.
Company | Average Monthly Premium |
|---|---|
| Sun Coast | $69 |
| Mile Auto | $69 |
| Certainly | $78 |
| Progressive | $80 |
| Direct Auto | $80 |
| State Farm | $81 |
| USAA | $82 |
| GEICO | $90 |
| Travelers | $95 |
| Freedom National | $95 |
| The General | $96 |
| Trexis | $104 |
| Safeco | $111 |
| Auto-Owners | $115 |
| Trexis One | $115 |
| GAINSCO | $118 |
| Dairyland | $119 |
| Erie | $121 |
| Mendota | $125 |
| Allstate | $127 |
| National General | $131 |
| First Acceptance | $133 |
| Farmers | $138 |
| Liberty Mutual | $143 |
| Bristol West | $149 |
| Root | $149 |
| Elephant | $156 |
| Nationwide | $169 |
| Chubb | $258 |
| State Auto | $265 |
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Tennessee, like nearly every state, requires all drivers to have car insurance.[10] Here are the minimum auto insurance requirements in Tennessee:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident (but you can reject it in writing)
You can find more information about these requirements on the Tennessee Department of Revenue website.
Most experts suggest buying coverage above the state’s minimum limits. This extra protection can help cover you if you’re in a serious accident where damage exceeds the minimum limits. And if you finance or lease your car, your lender will require comprehensive and collision coverage.
The Tennessee Department of Commerce and Insurance suggests considering higher liability limits and additional coverages, such as comprehensive and collision, to ensure adequate protection.[11]
Compare personalized quotes and get cheaper rates in minutes.
Here are answers to some commonly asked questions about car insurance in Nashville:
Our data shows that Sun Coast offers the cheapest average rate in Nashville, at $55 per month for liability coverage.
The average cost of liability-only car insurance in Nashville is $81 per month, while full coverage costs an average of $159.
Some of the best car insurance companies in Tennessee include State Farm, GEICO, Alfa, and Tennessee Farmer Bureau. Alfa Insurance ranks highest in J.D. Power’s 2024 U.S. Auto Insurance Study for the Southeast region, which includes Tennessee.[12] GEICO has a strong financial rating from AM Best,[13] and Tennessee Farm Bureau Insurance gets generally positive customer reviews for its local service.[14]
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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