The average driver in Nashville pays $1,361 per year for full coverage car insurance and $411 for minimum coverage car insurance. However, some carriers provide lower-than-average rates for the Tennessee auto insurance that you are required to carry.
In 2019, 32,992 car accidents were reported in Davidson County, which includes Nashville. Crashes are common in Tennessee, so every Nashville resident with a registered vehicle is required to carry car insurance to protect themselves from legal and financial liability. Based on price, discounts, coverage options, and third-party ratings, we identified the best cheap car insurance companies in Nashville.
Nashville's top auto insurance companies
When it comes to car insurance companies in Nashville, drivers have a lot of options. However, not all auto insurance companies are the same. The companies that offer the cheapest car insurance in Nashville are listed in the table below. We chose these companies based on their average annual premiums, discounts, policy options, customer satisfaction ratings, and financial strength scores.
Grange Insurance
Grange Insurance is a regional provider with good coverage and reasonable rates. Drivers can personalise their policies by purchasing add-ons such as glass repair coverage, pet injury coverage, and OEM coverage. There are also substantial discounts for paying in full, getting a quote ahead of time, being a safe driver, a good student, and being a loyal customer. Drivers in Nashville can also save up to 20% by completing the OnTrack safe driver programme.
Geico
Geico is one of the best-rated insurance companies in Nashville, and it is also one of the most affordable, with rates that are significantly lower than the national average. Geico's auto insurance coverage is fairly limited, but the company offers a number of discounts that can help drivers save even more money on their policy.
Travelers
Travelers' car insurance rates in Nashville are significantly lower than the national average. Travelers offers excellent coverage options such as accident forgiveness, new car replacement coverage, and rideshare insurance. Drivers in Nashville can also save money on their insurance policy by enrolling in Travelers' IntelliDrive safe driver discount programme.
Erie
Looking at average rates, Erie is not a cheap insurance provider, but the company offers a unique set of discounts and savings that can help Nashville drivers get a lower premium. Every Erie insurance policy includes a rate lock guarantee, and every driver is eligible for the program's disappearing deductible. There are also discounts for drivers under the age of 21, driving fewer than a certain number of miles per year, and driving a safe car, among other things.
Progressive
Progressive insurance is slightly more expensive than the Nashville average. Drivers, on the other hand, gain access to a wide range of coverages, substantial discounts, and useful online tools. By completing the Snapshot safe driver programme and using the Name Your Price Tool to find coverage within their budget, drivers can save an average of $145. There are also traditional discounts for bundling policies, maintaining continuous insurance, being a homeowner, and a variety of other factors.
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