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Cheap car insurance in Nashville, TN
Nashville drivers pay an average of $285 a month for full coverage and $110 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.
Lowest state minimum quote Jerry has found in last 12 months
Lowest full coverage quote Jerry has found in last 12 months
Average monthly savings for drivers who switch and find savings
Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.
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16 years as a professional writer and editor
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6 years covering personal finance
Nashville is one of the pricier insurance markets in Tennessee, though rates still remain below the national average in Jerry’s data. Rapid population growth has transformed the city over the past decade, bringing more commuters, heavier interstate traffic and year round tourism into the urban core. Those pressures create a busier claims environment than much of the rest of the state, while tornadoes and severe spring storms add weather related risk that insurers also factor into premiums. Even within Davidson County, prices vary considerably from one neighborhood to the next, though driving history and coverage choices still have a bigger impact than where you live.
Real recent quotes Jerry found for Nashville drivers
Here are some recent quotes Jerry has pulled for drivers in Nashville. These aren’t sample rates — they’re actual quotes pulled for Nashville drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.
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Name
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Date
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Make
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Insurer
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Coverage level
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Monthly quote
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Savings
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|---|---|---|---|---|---|---|
| 07/14/26 | Porsche Cayenne Gts Coupe | Preferred | $261 | 20% | ||
| 07/14/26 | Subaru Crosstrek Premium | Standard | $159 | 21% | ||
| 07/13/26 | Chevrolet Equinox Ltz | Basic + Full Coverage | $184 | 43% | ||
| 07/12/26 | Honda Accord Sport SE | Standard | $206 | 23% | ||
| 07/12/26 | Porsche 911 Carrera | Standard | $118 | 29% |
Based on Jerry customers with clean driving records who found savings in the past one month. Savings depend on coverage and other factors. Potential savings will vary.
Jerry pulls up to 20 quotes from top rated carriers.
Based on Jerry customers with clean driving records who found savings in the past one month. Savings depend on coverage and other factors. Potential savings will vary.
What are the cheapest car insurance companies in Nashville?
Nashville is one of the clearer examples of why shopping by coverage level matters. The carrier with the lowest average state minimum premium isn’t the same company offering the best full coverage pricing, and those rankings shift again once age, driving history and discounts enter the equation. Four things stand out in Nashville’s market:
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Coverage tier changes the landscape in Nashville. The carrier that leads state minimum averages isn’t the same one that leads full coverage averages here, and the gap between them isn’t always linear. A carrier that wins on bare liability can become uncompetitive once collision and comprehensive get added, so quote the coverage you actually plan to buy.
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Low mileage drivers may have another advantage. Nashville’s rapid growth hasn’t changed the fact that many residents work remotely or spend most of their driving on local roads. Usage based insurance programs reward safer driving habits and lower annual mileage, making them worth considering if you aren’t commuting long distances every day.
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What you’re bundling changes the math significantly. Nashville drivers who combine auto coverage with renters or homeowners policies can open up access to discounts large enough to flip a carrier from one of the pricier options to one of the more competitive ones in this market.
That said, the right carrier for you depends on your driving record,
age, and whether you’re bundling or qualify for other discounts.
Jerry compares all of these factors across 100+ insurers
at once, so you’re not guessing which scenario applies to you.
Cheapest carriers in Nashville by average, state minimum coverage
Based on Jerry data from the past 12 months.
Cheapest carriers in Nashville by average, full coverage
Based on Jerry data from the past 12 months.
Compare 100+ insurers through Jerry in less than 5 minutes
Why is car insurance expensive in Nashville?
🌪️ Tornadoes and Dixie Alley severe weather
Middle Tennessee sits within the Dixie Alley tornado region, where the spring and late-fall severe-weather seasons regularly bring tornado warnings to the Nashville metro. The National Weather Service Nashville forecast office surveys severe weather events across Middle Tennessee each year, and recent years have included multiple tornadoes that caused significant property damage across Davidson and surrounding counties. Carriers price this exposure into comprehensive coverage premiums across the metro. Even drivers who never file a weather related claim help absorb those losses because insurers spread catastrophe costs across their entire customer base.
🎸 Tourism and population growth in Music City
Nashville draws large year-round tourism to the downtown entertainment district along Broadway, with daily visitor volumes that drive heavier urban traffic than the metro’s resident population alone would suggest. The U.S. Census Bureau’s population estimates show Davidson County among the faster-growing larger counties in the Southeast over the past decade, and that growth has continued to push commuter and visitor traffic across the urban core. Higher traffic density feeds the city-level claim frequency that carriers weigh in their Tennessee rate filings.
🛣️ Three interstates converge in downtown Nashville
Nashville is where I-40, I-65 and I-24 converge in the urban core, with all three corridors carrying commuter and freight traffic through the city center daily. Every day, local commuters share those roads with regional freight traffic and travelers passing through Nashville. More vehicles traveling through the same highway network create more opportunities for costly crashes, and insurers build those higher losses into local premiums.
⚖️ Fault disputes can have bigger financial consequences in Tennessee
Tennessee’s liability rules place a greater emphasis on determining who was responsible for a crash than drivers may realize. Because the outcome of a fault determination can directly affect what each party ultimately pays, many drivers choose liability limits above the minimum and add uninsured motorist coverage for additional financial protection.
No-fault vs. at-fault: Tennessee is an at fault state, meaning the driver who causes a crash is generally responsible for paying the other party’s injuries and property damage. Drivers must carry minimum liability limits of 25/50/25, and Tennessee applies a modified comparative fault rule that allows drivers to recover damages only if they are found less than 50% responsible for the crash. The state does not require uninsured or underinsured motorist coverage, though insurers must offer both and drivers may choose to decline them in writing.
Nashville car insurance rates by ZIP code
Nashville’s ZIP-level data shows a meaningful spread across the metro, with the cheapest neighborhoods averaging less than half of what the most expensive ZIPs pay. The cheapest ZIPs cluster in West Nashville and parts of South Nashville, while the most expensive concentrate in Antioch, East Nashville and parts of North Nashville.
Cheapest ZIP codes
The cheapest Nashville ZIPs cluster in West Nashville and the southern suburbs, including the Belle Meade, Green Hills, Forest Hills, Bellevue and 12 South areas. Lower traffic density, fewer historical claims and different vehicle ownership patterns help keep insurance costs below the city average.
37205
Belle Meade / West Nashville
37080
Joelton, NW Nashville
37204
12 South / Green Hills
37215
Forest Hills / Oak Hill
Based on Jerry customers with clean driving records. Savings depend on coverage and other factors. Potential savings will vary.
Most expensive ZIP codes
The most expensive Nashville ZIPs tend to be found across Antioch, East Nashville and several neighborhoods north of downtown. Those parts of the city consistently generate more claims, heavier traffic and higher theft activity than much of the rest of the metro. The result is one of the widest neighborhood pricing gaps in Tennessee.
37013
Antioch, SE Nashville
37207
East Nashville / Inglewood
37219
Downtown core
37208
North Nashville / Germantown
Based on Jerry customers with clean driving records. Savings depend on coverage and other factors. Potential savings will vary.
Car insurance calculator
Your personal rate estimate in 60 seconds
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Coverage levels
Basic:
Standard:
Preferred:
* Full coverage includes comprehensive & collision coverage. Coverages may differ in
no-fault states.
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| Insurer | Basic | Standard | Preferred |
Nashville car insurance rates by driver profile
ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.
Here’s what Jerry’s Nashville data shows for each, and what it actually means for your quote.
By age
Average cost of insurance in Nashville by age group, state minimum
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Average cost of insurance in Nashville by age group, full coverage
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
By driving record
Single speeding tickets actually correspond with slightly lower state minimum premiums in our Nashville data, almost certainly reflecting how violations sort drivers into different carrier segments. Drivers needing an SR-22 filing face a narrower carrier pool, which is another reason to compare quotes broadly after a violation.
Average cost of state minimum coverage in Nashville, by driving record
Based on Jerry customers over the past 12 months across a range of driving record profiles.
Average cost of full coverage in Nashville, by driving record
Based on Jerry customers over the past 12 months across a range of driving record profiles.
By credit score
Tennessee allows insurers to consider credit when setting auto insurance rates, but the biggest pricing differences usually appear at the highest and lowest ends of the credit spectrum. In Nashville, drivers with Excellent and Good credit receive very similar pricing, while premiums climb much more noticeably once credit falls into the Fair and Poor categories. That makes improving credit one of the few ways to lower insurance costs without changing vehicles or coverage.
Average cost of state minimum coverage in Nashville, by credit score
Based on Jerry customers with clean driving records over the past 12 months in the age group 35-44, driving a 2015-2020 Toyota Camry.
Average cost of full coverage in Nashville, by credit score
Based on Jerry customers with clean driving records quoting a Basic + Full Coverage tier over the past 12 months in the age group 35-44, driving a 2015-2020 Toyota Camry.
How Jerry finds car insurance savings for Nashville drivers
Many Nashville drivers have seen their premiums rise lately, but there are still real savings to be found.
Jerry makes it easy to spot better deals by comparing quotes, finding discounts and more. Here are recent examples of Nashville customers who found lower quotes.
Recent quotes
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Name
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Date
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Make
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Insurer
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Monthly quote
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Savings
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|---|---|---|---|---|---|
| 07/14/26 | $264 | 19% | |||
| 07/14/26 | $159 | 21% | |||
| 07/13/26 | $184 | 43% | |||
| 07/12/26 | $206 | 23% | |||
| 07/12/26 | $118 | 29% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Learn more: Best car insurance in Tennessee
Calculate your car insurance costs
Car insurance calculator
Your personal rate estimate in 60 seconds
|
Coverage levels
Basic:
Standard:
Preferred:
* Full coverage includes comprehensive & collision coverage. Coverages may differ in
no-fault states.
|
|||
|---|---|---|---|
| Insurer | Basic | Standard | Preferred |
If you’re looking to find the cheapest car insurance in Tennessee, below are four top tips that Jerry’s agents have found.
Jerry Agent Tip 1: Compare quotes to find the lowest price
Drivers in Nashville can often save money just by checking quotes from different insurance companies. Each insurer rates your driving history in its own way, so one company might offer a lower price than another for the exact same coverage.
Shopping around is one of the simplest ways to find the cheapest insurance for your needs. Here you can see how recent Jerry customers have received different quotes for the same coverage:
Recent customer quotes
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Name
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ZIP Code
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Good quote
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Better quote
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Best quote
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|---|---|---|---|---|
| 37013 | $140 | $82 | $69 | |
| 37203 | $76 | $57 | $50 | |
| 37013 | $78 | $72 | $59 | |
| 37211 | $44 | $38 | $27 | |
| 37013 | $81 | $72 | $43 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry recommends: Compare quotes across several insurers to make sure you’re getting the lowest price for the coverage you want. The Jerry app makes it easy to see your options side by side.
Jerry Agent Tip 2: Save more by stacking discounts
Simple things like being a good driver, getting your quote early, or switching to paperless billing can bring your insurance costs down. Since it’s hard to know which discounts actually apply, Jerry checks for your eligible savings so you don’t miss out on extra savings.
Key takeaway: Prices can vary widely, even for the same coverage. Comparing quotes with Jerry helps you find the lowest rate available to you.
Jerry Agent Tip 3: Balance coverage and cost
When you understand what each coverage level includes, it becomes easier to find protection that fits your life and your budget. Minimum coverage keeps premiums low and covers only what your state requires. Higher tiers offer added protections such as coverage for your own car and support with towing and rental costs after an accident.
Here are four coverage tiers offered by Jerry so you can find the best fit for your needs and budget.
Minimum
$68 – $117/mo
Meets Tennessee’s 25/50/15 minimum liability requirements but doesn’t cover damage to your own vehicle.
Full
$144 – $283/mo
Adds collision and comprehensive, typically required for leased or financed vehicles.
Standard
$168 – $333/mo
Adds uninsured/underinsured motorist coverage and medical payments, important in Tennessee where UM/UIM claims are increasingly common.
Preferred
$184 – $338/mo
Higher liability limits, lower deductibles and extras like rental reimbursement or towing mean maximum protection.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Key takeaway: Coverage levels aren’t one-size-fits-all. Jerry shows you the real cost of each tier so you can find the protection level that feels right for your car and your budget.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Get personalized car insurance rates now.
Jerry Agent Tip 4: Pick the right deductible
Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.
Here’s a look at the deductibles Jerry drivers chose in the past year:
To find the ideal deductible:
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Check your car’s value (Jerry tracks this for you monthly).
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Choose what you can afford out-of-pocket.
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See how deductibles change your rate in real time.
The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.
Tennessee car insurance minimums: What’s required in Nashville
Tennessee requires liability coverage on every registered vehicle. Here are the minimum requirements in Tennessee:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
Driving without the required coverage in Tennessee can result in fines, license suspension and registration revocation. Tennessee does not require uninsured or underinsured motorist coverage, though insurers must offer it. Drivers can decline UM/UIM, but the Tennessee Department of Commerce and Insurance encourages drivers to consider carrying it given the state’s claim environment.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
FAQ
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How much is car insurance in Nashville, TN?
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What is the cheapest car insurance in Nashville, Tennessee?
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Is Tennessee a no-fault or at-fault state?
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How does Tennessee’s 50% comparative fault rule differ from other states?
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Does Tennessee require uninsured motorist coverage?
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Why is car insurance more expensive in Nashville than in the rest of Tennessee?
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Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.