Davidson Country ranked #1 in overall crash rates in Tennessee from 2013 to 2017. Car insurance is required here and protects drivers in the case of an accident. Insurance companies consider factors such as your driving record and the type of car when quoting auto insurance rates. Our partners at ConsumerAffairs compared the best car insurance in Nashville to help you choose the right agency.
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How to choose a car insurance company in Nashville
Car insurance quotes are determined by a variety of factors, including where in Nashville you live. However, since Tennessee is the 15th least expensive state for car insurance, you can expect to pay lower rates than most Americans.
We found that car insurance in Nashville averages around $1,216 per year for comprehensive coverage for a 40-year-old man. Popular neighborhoods such as East Nashville and Hermitage have higher auto insurance rates.
Average rates for car insurance in Nashville
State Minimum (25/50/15)
The Gulch (37203)
Downtown Nashville (37201)
East Nashville (37206)
Music Row (37212)
Tennessee law requires drivers to carry a 25/50/15 liability plan. This means your minimum limits must be:
$25,000 for each injury or death per accident
$50,000 for total injuries or deaths per accident
$15,000 for property damage per accident
Nashville residents can choose additional coverage, such as collision, uninsured motorist, comprehensive and medical payments. Each extra coverage option increases your monthly payment.
Although Tennessee law requires drivers to have car insurance, many residents drive without it. About 20 percent of Tennessee drivers don’t have insurance, making us the fifth highest state for uninsured motorists. Coverage for uninsured motorists will protect you in case of an accident involving a driver without insurance.
The Tennessee region is also prone to hail, strong storms and tornadoes, all of which are hazardous to your vehicle whether you’re on-the-go or parked outside. Comprehensive coverage will protect your car in cases of weather-related damage.
*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.
Progressive Insurance offers multiple types of insurance, including car insurance. Customers can bundle their auto insurance with other policies to lower their costs. Customers state they chose Progressive for the friendly customer service and experienced agents.
Liberty Mutual Insurance offers auto coverage for residents in Nashville, Belle Meade, Berry Hill, Forest Hills, Green Hills, Sylvan Park and West End neighborhoods. The company has 10+ years of service here and is a verified InsuraMatch partner. However, some Nashville customers report being dissatisfied by rate hikes and poor customer service.
Headquartered right here in Nashville, The General is a nationwide car insurance company with over 50 years of service. The General is known for providing low rates and payment options for drivers with a less than perfect driving record. However, not all online reviews are favorable, with some experiencing random fees and difficult customer service policies.
The Affordable Insurance Agency
Affordable Insurance Agency offers car insurance along with other policies such as boat and motorcycle, home and commercial auto insurance. The independent agency specializes in creating policies around your financial status. Positive online reviews from customers state the agents helped them save hundreds of dollars each month.
Erie Insurance Agent: Kevin Hale
Representing Erie Insurance, Kevin Hale demonstrates a commitment to clients and the industry by holding leadership positions in the Insurors of Tennessee as well as the Professional Insurance Agents associations. Hale provides complimentary comparative quotes from various carriers so clients can make a wise choice.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.