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
- $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
- $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.
Nashville drivers pay an average of $174 per month for full coverage car insurance in 2026, based on InsuranceQuotes.com’s analysis of local carrier rates — notably higher than the broader Tennessee auto insurance rates average. Nashville’s rapid growth has made it one of the 15 most gridlocked metro areas in the U.S. per the INRIX Global Traffic Scorecard, and that congestion is a real contributor to the city’s above-average premiums. Comparing quotes from multiple carriers using your exact ZIP code and driving profile — and pairing your policy with Nashville home insurance rates for a multi-policy discount — is the most reliable way to bring your cost down from that citywide average.
Rates last verified and updated: July 2026.
Car insurance in Nashville, Tennessee averages approximately $174 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Monthly full-coverage rates range from about $156 with Farm Bureau of Tennessee to $327 with Progressive, depending on the carrier and driver profile. Minimum liability coverage starts as low as $30 per month with Farm Bureau of Tennessee.
Farm Bureau of Tennessee offers Nashville’s lowest rates in InsuranceQuotes.com’s 2026 carrier comparison, at $30 per month for state minimum liability and $156 per month for full coverage. State Farm ($46/mo minimum, $213/mo full coverage) and GEICO ($47/mo minimum, $224/mo full coverage) are the next most affordable options, while Progressive ($57/mo minimum, $327/mo full coverage) and Allstate ($59/mo minimum, $271/mo full coverage) run higher. Comparing quotes across carriers using your own ZIP code and driving record is the best way to find your lowest rate.
Yes — critically so. Approximately 20 percent of Tennessee drivers carry no car insurance, one of the highest uninsured driver rates in the country. Tennessee does NOT require uninsured motorist (UM) or underinsured motorist (UIM) coverage, which means if an uninsured driver hits you in Nashville, your own insurer does not automatically cover your damages unless you specifically purchased UM/UIM coverage. Given that 1 in 5 Nashville drivers on I-40 and I-65 may be uninsured, adding UM/UIM coverage to your policy is one of the most valuable decisions a Nashville driver can make. UM/UIM typically adds only $10 to $20 per month to your premium.
Nashville car insurance rates have been pressured by several converging factors: vehicle theft rates in Nashville jumped approximately 15 percent in 2023 and remain elevated, raising comprehensive coverage costs. Downtown Nashville’s rapid growth has significantly increased traffic density on I-40, I-65, and I-24, which directly increases accident frequency and severity. Tennessee also ranks in the top 10 states for tornado and hail damage, driving up comprehensive claims statewide. The good news: several major carriers are lowering rates in Tennessee in 2026, making it an unusually good time to comparison shop. Drivers who have not compared quotes in the past 12 months may find meaningful savings available.
Tennessee requires all Nashville drivers to carry minimum liability coverage of 25/50/25 — $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 in property damage liability. Tennessee is a tort state, NOT a no-fault state, so Personal Injury Protection (PIP) is not required. The at-fault driver is responsible for all damages. Tennessee does not mandate uninsured motorist coverage — but given that roughly 20 percent of TN drivers are uninsured, adding UM/UIM protection is strongly recommended. Driving without insurance in Tennessee can result in a $300 fine and license suspension for subsequent violations.
Nashville’s Uninsured Driver Problem: Why UM/UIM Coverage Is Essential
Tennessee has one of the highest uninsured driver rates in the country at approximately 20 percent — meaning roughly 1 in 5 drivers sharing I-40, I-65, and Briley Parkway with you today has no insurance. Tennessee does not require uninsured motorist coverage, so if an uninsured driver rear-ends you on I-24, your standard minimum liability policy pays nothing for your own injuries or vehicle damage. Uninsured motorist coverage, which typically adds only $10 to $20 per month to a Nashville policy, closes this gap by having your own insurer pay when the at-fault driver cannot. Underinsured motorist (UIM) coverage is equally important — it protects you when the at-fault driver carries only Tennessee’s $25,000 minimum, which may not cover serious injuries or significant vehicle damage. Both UM and UIM should be considered mandatory for any Nashville driver regardless of their vehicle age or value.
Tennessee Farm Bureau: The Lowest Rates Nashville Drivers Don’t Know About
Tennessee Farm Bureau Insurance offers the lowest minimum coverage rates in Tennessee at approximately $27 per month — but most Nashville drivers never discover it because it cannot be purchased online or directly. Tennessee Farm Bureau requires an annual membership and must be purchased through a local agent. The extra step is worth taking: for a typical Nashville driver, the savings compared to a major national carrier can exceed $200 per year on minimum coverage alone. Tennessee Farm Bureau also earns high customer satisfaction scores and has strong claims handling in Davidson County. Before finalizing any car insurance decision in Nashville, call a Tennessee Farm Bureau agent for a quote — you may find it is your best option.
Nashville Vehicle Theft and Hail Risk: 2026 Coverage Considerations
Nashville has seen significant increases in vehicle theft since 2022, with thefts jumping approximately 15 percent in 2023 and remaining elevated into 2026. Kia and Hyundai models have been disproportionately targeted nationally, including in Nashville, and some insurers have added surcharges or restricted coverage for these makes in the Davidson County market. Comprehensive coverage — which pays for theft, hail, tornado debris, and flood damage — is essential protection for Nashville drivers. Tennessee also ranks in the top 10 states for tornado and hail damage, and a single severe spring storm can total thousands of vehicles across the metro. Comprehensive typically costs $15 to $30 per month added to a Nashville policy and is one of the clearest insurance values available to Davidson County drivers.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
