How Much Does Car Insurance Cost in Nashville, TN?
- State minimum liability on average in Nashville, TN costs $59 a month or $711 a year. Full coverage auto policies costs around $251 a month or $3,016 a year in Nashville.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Nashville – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Nashville, Tennessee
- In Nashville, Tennessee the cheapest car insurance companies on average are Farm Bureau of Tennessee, State Farm and GEICO. State minimum liability car insurance starts at $30 a month or $358 a year with Farm Bureau of Tennessee. The cheapest full coverage car insurance starts at $156 a month or $1,869 a year.
Here are the average policy rates from the cheapest local and national insurance providers in Nashville from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | Monthly: | Full Coverage Policy: | Monthly: |
|---|---|---|---|---|
| Farm Bureau of Tennessee | $358 | $30 | $1,869 | $156 |
| State Farm | $557 | $46 | $2,552 | $213 |
| GEICO | $567 | $47 | $2,688 | $224 |
| Progressive | $684 | $57 | $3,925 | $327 |
| Allstate | $708 | $59 | $3,257 | $271 |
Finding a Cheap Auto Insurance Policy in Nashville, TN
Nashville, Tennessee, known worldwide as the heart of country music, stands as a vibrant cultural hub teeming with energy and creativity. Home to iconic landmarks like the Grand Ole Opry and the Country Music Hall of Fame, with an increasing number of drivers on the road. With this rise in traffic comes the need for reliable auto insurance coverage at affordable rates. Drivers in Nashville should be proactive in searching for the cheapest car insurance companies to ensure they are getting the best deal possible. By utilizing InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools, drivers can quickly gather multiple free auto insurance quotes from both local and national providers all in one place. This allows them to make informed decisions about their coverage options while saving money on their premiums.
How Much Car Insurance Do I Need in Tennessee?
In Tennessee, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Tennessee includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Tennessee requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Tennessee requires minimum property damage liability coverage of:
- $15,000 for injury to or destruction of property of others in any one accident
These are the minimum coverage requirements mandated by Tennessee law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Tennessee also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Tennessee and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
