The convergence of Interstates 24, 40 and 65 in Nashville can involve heavy traffic, rush hour delays and complex interchanges. And as with many major tourist destinations, Nashville residents may have to compete with visitors for space on the roads.
Having proper car insurance coverage in Nashville can protect your vehicle and finances. To help you shop confidently, we’ve gathered data from Jerry customers in Nashville to show you how different factors like your location, age, driving history and coverage needs can lower or raise your car insurance rate.
More: Best car insurance in Tennessee
Cheapest minimum coverage insurance in Nashville
Tennessee drivers must have the following coverage, at minimum:
- $25,000 for bodily injury liability per person and $50,000 per accident.
- $25,000 for property damage liability per accident.
Here are some of the cheapest car insurance quotes for minimum coverage that Nashville residents have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
ZIP Code
|
|---|---|---|---|---|---|
| $31 | $370 | Safeco | 35 | August 11, 2025 | 37208 |
| $41 | $496 | Progressive | 38 | June 15, 2025 | 37211 |
| $42 | $500 | Progressive | 38 | June 16, 2025 | 37211 |
| $42 | $502 | Progressive | 51 | July 13, 2025 | 37208 |
| $42 | $502 | Progressive | 38 | June 15, 2025 | 37208 |
| $43 | $520 | Progressive | 82 | March 1, 2025 | 37013 |
| $46 | $552 | Progressive | 39 | June 16, 2025 | 37212 |
| $47 | $560 | Geico | 28 | February 25, 2025 | 37209 |
| $47 | $566 | Progressive | 37 | June 13, 2025 | 37218 |
| $47 | $566 | Electric | 43 | June 24, 2025 | 37217 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Tennessee
Cheapest full coverage insurance in Nashville
Tennessee’s mandated minimum coverage may not be enough to protect your finances if your car is stolen or broken into, but the combination of collision coverage and comprehensive insurances offered by full coverage would.
Here are the cheapest full coverage quotes Jerry customers in Nashville have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
ZIP Code
|
|---|---|---|---|---|---|
| $69 | $822 | Electric | 51 | March 25, 2025 | 37115 |
| $70 | $842 | Progressive | 39 | June 16, 2025 | 37209 |
| $74 | $884 | Geico | 70 | August 9, 2025 | 37211 |
| $81 | $968 | Safeco | 72 | March 19, 2025 | 37212 |
| $81 | $976 | Bristol West | 39 | June 16, 2025 | 37212 |
| $84 | $1,002 | Progressive | 41 | June 19, 2025 | 37212 |
| $85 | $1,014 | National General | 42 | June 21, 2025 | 37217 |
| $85 | $1,018 | Electric | 43 | June 24, 2025 | 37217 |
| $86 | $1,036 | Progressive | 40 | June 22, 2025 | 37203 |
| $88 | $1,058 | Electric | 46 | June 27, 2025 | 37211 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Nashville (18-29 years old)
Young Nashville residents are likely to pay higher premiums than older drivers because insurers see their age as a risk. Still, newer drivers can find affordable rates in the area. These are some of the cheapest quotes that young locals have but received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $47 | $560 | Geico | 28 | No | February 25, 2025 | Nashville, TN | 37209 |
| $61 | $730 | Progressive | 22 | No | June 6, 2025 | Nashville, TN | 37214 |
| $64 | $768 | Progressive | 28 | No | March 17, 2025 | Nashville, TN | 37204 |
| $65 | $776 | Electric | 25 | No | May 2, 2025 | Nashville, TN | 37209 |
| $74 | $890 | Trexis | 23 | No | March 3, 2025 | Nashville, TN | 37201 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Nashville (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $500 | Progressive | 38 | No | June 16, 2025 | Nashville, TN | 37211 |
| $42 | $502 | Progressive | 38 | No | June 15, 2025 | Nashville, TN | 37208 |
| $42 | $502 | Progressive | 51 | No | July 13, 2025 | Nashville, TN | 37208 |
| $43 | $520 | Electric | 51 | No | February 15, 2025 | Nashville, TN | 37221 |
| $46 | $552 | Progressive | 39 | No | June 16, 2025 | Nashville, TN | 37212 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $54 | $644 | Safeco | 56 | No | April 22, 2025 | Nashville, TN | 37206 |
| $58 | $700 | Assurance America | 62 | No | July 17, 2025 | Nashville, TN | 37214 |
| $60 | $722 | Gainsco | 73 | No | April 26, 2025 | Nashville, TN | 37214 |
| $66 | $788 | National General | 55 | No | May 13, 2025 | Nashville, TN | 37207 |
| $69 | $828 | National General | 66 | No | March 24, 2025 | Nashville, TN | 37206 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Nashville
A clean record can get you a cheaper auto insurance quote. These are real quotes that Jerry customers with a clean record in Nashville have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $500 | Progressive | 38 | June 16, 2025 | No | Nashville, TN | 37211 |
| $42 | $502 | Progressive | 51 | July 13, 2025 | No | Nashville, TN | 37208 |
| $42 | $502 | Progressive | 38 | June 15, 2025 | No | Nashville, TN | 37208 |
| $46 | $552 | Progressive | 39 | June 16, 2025 | No | Nashville, TN | 37212 |
| $47 | $560 | Geico | 28 | February 25, 2025 | No | Nashville, TN | 37209 |
| $47 | $566 | Electric | 43 | June 24, 2025 | No | Nashville, TN | 37217 |
| $52 | $628 | Progressive | 33 | July 15, 2025 | No | Nashville, TN | 37214 |
| $54 | $642 | Electric | 37 | May 2, 2025 | No | Nashville, TN | 37211 |
| $54 | $644 | Safeco | 56 | April 22, 2025 | No | Nashville, TN | 37206 |
| $54 | $652 | Progressive | 43 | March 10, 2025 | No | Nashville, TN | 37228 |
Cheapest car insurance for drivers with low credit scores in Nashville
Having a low credit score can mean you'll pay more for car insurance, so it's wise to go shopping for car insurance with multiple insurers to find affordable coverage. Here are quotes that Jerry customers in Nashville with a credit score below 550 have received.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $42 | $507 | Trexis | 40 | June 22, 2025 | Nashville, TN | 37203 |
| <550 | $45 | $544 | Trexis | 59 | September 27, 2024 | Nashville, TN | 37138 |
| <550 | $72 | $866 | Progressive | 25 | June 21, 2025 | Nashville, TN | 37211 |
| <550 | $75 | $905 | Trexis | 43 | July 7, 2025 | Nashville, TN | 37076 |
| <550 | $78 | $932 | Trexis | 44 | March 8, 2025 | Nashville, TN | 37209 |
Cheapest car insurance for drivers with at-fault accidents in Nashville
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $44 | $522 | Progressive | 31 | No | July 17, 2024 | Nashville, TN | 37209 |
| At Fault With No Injury | $44 | $522 | Progressive | 36 | No | November 24, 2024 | Nashville, TN | 37216 |
| At Fault With No Injury | $59 | $708 | Progressive | 33 | No | April 15, 2025 | Nashville, TN | 37076 |
| At Fault With No Injury | $63 | $752 | Safeco | 27 | No | July 16, 2025 | Nashville, TN | 37216 |
| At Fault With No Injury | $95 | $1,142 | Progressive | 35 | Yes | August 1, 2025 | Nashville, TN | 37209 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Nashville
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $48 | $576 | Progressive | 62 | February 19, 2025 | Nashville, TN | 37209 |
| Speeding under 15 | $57 | $682 | Trexis | 53 | September 12, 2024 | Nashville, TN | 37208 |
| Speeding over 15 | $72 | $862 | Progressive | 35 | March 25, 2025 | Nashville, TN | 37212 |
| Speeding over 15 | $72 | $866 | Progressive | 25 | June 21, 2025 | Nashville, TN | 37211 |
| Speeding over 15 | $76 | $908 | National General | 34 | November 12, 2024 | Nashville, TN | 37209 |
Cheapest car insurance for drivers with DUI in Nashville
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $207 | $2,488 | Progressive | 61 | March 30, 2025 | Nashville, TN | 37211 |
| DUI | $212 | $2,540 | Trexis | 32 | May 2, 2024 | Nashville, TN | 37115 |
| DUI | $317 | $3,802 | ROOT | 26 | June 14, 2025 | Nashville, TN | 37076 |
| DUI | $829 | $9,944 | Progressive | 32 | May 21, 2025 | Nashville, TN | 37076 |
More: DUI vs DWI: What's the difference?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
