Nashville Cheap Car Insurance (August 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Nashville Cheap Car Insurance (August 2025)

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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
$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
$43 $520 Electric 51 February 15, 2025 37221
$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
Last Updated Jul, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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
$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
$91 $1,087 Safeco 68 February 15, 2025 37211
Last Updated Jul, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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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
Last Updated Jul, 2025

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
Last Updated Jul, 2025

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
$66 $793 Trexis 68 No February 15, 2025 Nashville, TN 37211
Last Updated Jul, 2025

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
$43 $520 Electric 51 February 15, 2025 No Nashville, TN 37221
$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
Last Updated Jul, 2025

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 $76 $916 The General 55 February 4, 2024 Nashville, TN 37209
Last Updated Jul, 2025

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 $82 $980 The General 28 No January 29, 2024 Nashville, TN 37013
Last Updated Jul, 2025

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
Last Updated Jul, 2025

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 $91 $1,090 Trexis 32 February 7, 2024 Nashville, TN 37076
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
Last Updated Jul, 2025

More: DUI vs DWI: What's the difference?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.