Expert Guide to Auto Insurance Quotes in Nashville, TN

Explore unbeatable coverage for your Nashville ride! A Plus Insurance offers personalized car insurance quotes. Call now for your free, tailored quote!

Tennessee State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
Medical Payments: Rejection Form

Where to Find Low-Cost Insurance for Good Credit Holders in Nashville, TN?

If you have good credit in Nashville, TN, you may qualify for lower car insurance rates. Insurers like Suncoast and Allstate reward financially responsible drivers with discounted premiums based on their credit scores.

Why Does Good Credit Lower Car Insurance Rates?

Insurance companies use credit scores as a factor in setting rates because drivers with higher credit scores are statistically:

  • Less likely to file claims
  • More consistent with on-time payments
  • Viewed as lower risk, leading to better pricing

Best Car Insurance Options for Good Credit Holders!

  • Suncoast: Provides competitive rates and multi-policy discounts for homeowners and auto insurance bundles.
  • Allstate: Offers customized coverage with additional savings for safe drivers and policy bundling.

How to Maximize Savings on Car Insurance?

  • Keep a high credit score by making on-time payments and managing credit balances.
  • Compare quotes from multiple insurers to find the best deal.
  • Ask about credit-based discounts, as some insurers offer extra savings for good credit history.

Get a Free Quote Today!

Looking for low-cost car insurance in Nashville? Compare rates from Suncoast and Allstate today. Get a free online quote or call now to lock in your best rate!

Insurance CompaniesAvg. Monthly Rates
21st Century$134
AssuranceAmerica$134
The General$135
Mendota Ins. Company$144
Nationwide$144
Acceptance RTR$145
GAINSCO$147
Dairyland$149
National General$149
Bristol West$150
Geico$150
Progressive Insurance$163
State Farm$165
Travelers$171

Discover the Most Affordable Car Insurance Quotes Memphis Options

For the most affordable auto insurance in Nashville, TN, companies like GEICO and Progressive are often recommended.

They offer competitive rates and a variety of discounts.

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To reduce costs further, drivers should consider raising their deductibles, driving safely to avail no-claim bonuses, and regularly reviewing their policy to ensure it still meets their needs without unnecessary add-ons.

Nashville Auto Insurance Discounts

Safe Driver
Multi-Policy
Good Student
Bundle Savings
Low Mileage
Anti-Theft

How to Find the Cheapest Full Coverage Car Insurance Quotes in Nashville, TN?

Looking for affordable full coverage car insurance in Nashville, TN? Insurers like State Farm and Nationwide offer competitive rates while providing comprehensive protection for your vehicle.

What Does Full Coverage Car Insurance Include?

A full coverage policy typically consists of:

  • Liability insurance – Covers injury and property damage if you’re at fault in an accident.
  • Collision coverage – Pays for damage to your vehicle after an accident, regardless of fault.
  • Comprehensive coverage – Protects against theft, vandalism, weather damage, and other non-collision incidents.

How to Lower Your Full Coverage Car Insurance Costs?

  • Maintain a clean driving record – Safe drivers qualify for lower premiums.
  • Choose a vehicle with lower insurance costs – Cars with high safety ratings typically have cheaper insurance.
  • Bundle insurance policies – Combining auto and home insurance with the same provider can lead to discounts.
  • Increase your deductible – A higher deductible can lower your monthly premium.

Compare Quotes for the Best Rates!

State Farm and Nationwide offer some of the most affordable full coverage car insurance rates in Nashville. To find the best deal, compare multiple quotes and explore available discounts.

Get a Free Quote Today!

Want to save on full coverage car insurance in Nashville? Get a free online quote from State Farm and Nationwide today or call now to see how much you can save!

Insurance CompaniesAvg. Monthly Rates
National General$125
Progressive Insurance$137
Mendota Ins. Company$150
The General$152
Nationwide$153
Bristol West$154
State Farm$157
AssuranceAmerica$160
USAA$161
Travelers$164
Farmers$167
Acceptance RTR$168
GAINSCO$172
Allstate$174

What Are the Lowest Cost SR22 Auto Insurance Options in Nashville, TN?

Need affordable SR22 insurance in Nashville, TN? The General and Dairyland offer low-cost SR22 policies designed for high-risk drivers. Whether you need an SR22 for license reinstatement or to meet state requirements, these providers specialize in budget-friendly options.

What Is SR22 Insurance?

SR22 is not a type of insurance but a certificate of financial responsibility required by the state for:

Individuals with multiple traffic violations

Drivers with DUI/DWI convictions

Those caught driving without insurance

Insurance CompaniesAvg. Monthly Rates
Progressive Insurance$88
Dairyland$96
National General$105
The General$106
Acceptance RTR$107
Mendota Ins. Company$107
Geico$111
Bristol West$112
AssuranceAmerica$117
State Farm$119
Travelers$124
GAINSCO$131
Farmers$135
USAA$137

SR22 Insurance Process in Nashville

01.

Consultation​

02.

Quote

03.

Filing

04.

Policy Management

Finding the Best Car Insurance for Bad or Poor Credit in Nashville, TN!

If you have bad or poor credit in Nashville, TN, you may still qualify for affordable car insurance. Assurance America and Mendota specialize in policies that consider factors beyond just your credit score, helping you get the coverage you need.

Why Does Credit Score Affect Car Insurance Rates?

Insurance companies use credit scores to assess risk. Drivers with lower credit scores may pay higher rates because they are statistically:

Subject to increased premiums compared to drivers with good credit

More likely to file claims

Considered higher risk for missed payments

How to Lower Car Insurance Costs with Poor Credit

  • Improve your credit score – Paying bills on time and reducing debt can help lower premiums.
  • Increase your deductible – Higher deductibles often lead to lower monthly payments.
  • Compare multiple quotes – Shopping around ensures you get the best rate for your situation.

Get a Free Quote Today!

If you’re a Nashville driver with poor credit, compare rates from Assurance America and Mendota today. Get a free online quote or call now to find an affordable policy that fits your budget!

Insurance CompaniesAvg. Monthly Rates
Acceptance RTR$158
The General$159
GAINSCO$160
National General$162
Dairyland$169
Nationwide$169
Geico$179
AssuranceAmerica$182
Bristol West$182
Progressive Insurance$183
Mendota Ins. Company$186
21st Century$190
Allstate$202
Farmers$218
Liberty Mutual$228

Top Choices for Low-Cost Car Insurance for Female Drivers in Nashville, TN!

Looking for affordable car insurance in Nashville, TN? Progressive and GEICO offer some of the lowest rates for female drivers, recognizing the statistically lower risk associated with women on the road.

Why Do Female Drivers Pay Less for Car Insurance?

Insurance companies determine premiums based on risk factors, and female drivers generally:

Exhibit safer driving habits

Have fewer accidents than male drivers

File fewer costly claims

How to Reduce Car Insurance Costs Even More?

  • Choose a vehicle with a high safety rating – Cars with advanced safety features often qualify for lower premiums.
  • Take advantage of available discountsSafe driver, multi-vehicle, and policy bundle discounts can significantly reduce rates.
  • Maintain a clean driving record – Avoiding tickets and accidents helps keep insurance costs low.

Get a Free Quote Today!

If you’re a female driver in Nashville searching for low-cost car insurance, compare quotes from Progressive and GEICO today. Get a free online quote or call now to lock in the best rate!

Insurance CompaniesAvg. Monthly Rates
GAINSCO$133
Dairyland$139
Nationwide$142
Geico$144
National General$153
Mendota Ins. Company$155
Acceptance RTR$156
The General$159
Bristol West$160
AssuranceAmerica$161
Progressive Insurance$165
Farmers$166
21st Century$167
Safeco$169

Which Companies Offer the Least Expensive Auto Insurance for Young Drivers in Nashville, TN?

Young drivers in Nashville, TN, often face higher insurance rates due to their limited driving experience, but companies like Allstate and State Farm offer cost-effective policies with discounts that make coverage more affordable.

How to Lower Car Insurance Costs for Young Drivers?

  • Maintain good grades – Many insurers offer a Good Student Discount for students with a 3.0 GPA or higher.
  • Take a defensive driving course – Completing an approved safety program can lead to lower rates.
  • Stay on a parent’s policy – Young drivers can save significantly by remaining on a family plan instead of purchasing their own policy.

Get a Free Quote Today!

If you’re a young driver in Nashville looking for affordable car insurance, compare quotes from Allstate and State Farm today. Get a free online quote or call now to see how much you can save!

Insurance CompaniesAvg. Monthly Rates
National General$128
Dairyland$149
American Family$151
Farmers$151
Bristol West$153
Progressive Insurance$157
Acceptance RTR$163
Allstate$164
GAINSCO$166
AssuranceAmerica$169
Liberty Mutual$169
USAA$170
Mendota Ins. Company$180

Where Can You Find the Cheapest Liability-Only Auto Insurance in Nashville, TN?

Need affordable liability-only car insurance in Nashville, TN? If you’re looking for basic coverage to meet Tennessee’s legal requirements, GEICO and Progressive often provide some of the lowest rates for budget-conscious drivers.

What Does Liability-Only Insurance Cover?

Liability-only auto insurance helps cover costs if you’re at fault in an accident, but it won’t pay for damage to your own vehicle. Tennessee requires minimum coverage of:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage

How to Get the Lowest Liability Insurance Rates:

  • Compare quotes from GEICO, Progressive, and other top insurers.
  • Maintain a clean driving record for the best discounts.
  • Choose a higher deductible to lower your monthly premium.
  • Ask about safe driver and multi-policy discounts to save more.

Looking for cheap liability-only car insurance in Nashville? Get a free quote online or call now to find your best rate!

Insurance CompaniesAvg. Monthly Rates
Mendota Ins. Company$90
The General$94
AssuranceAmerica$103
National General$103
Bristol West$104
Geico$106
Progressive Insurance$108
USAA$109
State Farm$110
Nationwide$115
Dairyland$116
Travelers$116
Liberty Mutual$120
21st Century$126

How to Get the Cheapest Insurance for Male Drivers in Nashville, TN?

Male drivers in Nashville, TN, often face higher insurance rates due to statistical risk factors, but insurers like Nationwide and State Farm offer competitive pricing with discounts designed to lower costs.

Why Do Male Drivers Pay More for Car Insurance?

Insurance providers assess risk based on driving statistics, and male drivers tend to have:

Increased claims frequency, leading to higher premiums

Higher accident rates compared to female drivers

More speeding violations and traffic infractions

How to Lower Insurance Costs as a Male Driver?

  • Keep a clean driving record – Avoiding tickets and accidents helps reduce rates over time.
  • Choose a vehicle with lower insurance costs – Cars with high safety ratings and low theft rates generally cost less to insure.
  • Bundle insurance policies – Combining auto and home insurance with the same provider can lead to significant savings.

Get a Free Quote Today!

If you’re a male driver in Nashville looking for the cheapest car insurance rates, compare quotes from Nationwide and State Farm today. Get a free online quote or call now to start saving!

Insurance CompaniesAvg. Monthly Rates
Geico$150
Bristol West$153
The General$159
National General$165
Mendota Ins. Company$169
GAINSCO$171
Nationwide$171
Dairyland$174
Progressive Insurance$177
Acceptance RTR$181
State Auto$186
AssuranceAmerica$188
21st Century$195
Travelers$210

How to Get a Free Car Insurance Quote Nashville TN

01.

Contact Us​

02.

Details

03.

Quote

04.

Decision

Why does my Nashville zip code affect my car insurance quotes?

In Nashville, various local factors significantly influence the cost of auto insurance rates.

From the city’s specific weather patterns to its demographic trends, each aspect plays a pivotal role in how insurance premiums are calculated.

Here’s a detailed breakdown of these factors:

  1. Weather Conditions and Climate: Nashville experiences a humid subtropical climate with hot summers and mild winters. Seasonal severe weather, including thunderstorms and the occasional tornado, can increase the likelihood of weather-related accidents or damage to vehicles, potentially leading to higher insurance claims and premiums.
  2. Crime Rates: The crime rate, especially pertaining to vehicle theft and vandalism in certain areas of Nashville, can affect insurance costs. Higher crime rates often lead to increased risk of theft and vandalism claims, prompting insurers to charge higher premiums.
  3. Population Density: As a bustling city, Nashville’s population density contributes to more traffic congestion. Higher congestion typically increases the chances of accidents, which in turn can lead to higher insurance rates.
  4. Demographics: The demographic composition of Nashville, including the age and driving experience of its population, influences insurance premiums. Areas with a higher concentration of younger, less experienced drivers might see higher rates due to the increased risk of accidents associated with this demographic.
  5. Economic Factors: The general economic status of Nashville residents, including average income and employment rates, can impact insurance rates. Economic stability often correlates with the ability to afford comprehensive coverage, while areas with lower economic status might see a higher proportion of uninsured or underinsured drivers, impacting overall risk assessments for insurers.
  6. Road Conditions and Infrastructure: The quality of roads and infrastructure in Nashville can also be a factor. Poor road conditions can lead to more frequent accidents or vehicle damage, influencing the cost of claims and, consequently, the insurance premiums.

These factors collectively shape the auto insurance landscape in Nashville, with each contributing in its own way to the overall risk assessment and cost of insurance for drivers in the city.

10 Reasons to Switch Your Home and Auto Insurance Today

  • Lower Your Monthly Premiums: Switching insurance providers can result in significantly lower monthly premiums, especially if your current rates are high. Call us for a free quote comparison.
  • Bundle Your Home and Auto Insurance for Savings: Many insurance companies offer discounts when you bundle home and auto policies, helping you save more on both. Text Us to explore bundling options.
  • Take Advantage of New Discounts: Insurance providers frequently offer new promotions and discounts for safe driving, installing safety devices, or being a new customer. Call us to find out what discounts you qualify for today.
  • Improve Your Coverage with a Better Policy: Switching can help you get better coverage that fits your needs, whether it’s for higher liability limits or more comprehensive protection. Text Us for a policy review.
  • Enjoy Better Customer Service: Not all insurance companies are the same when it comes to customer service. Switching to a provider known for superior service can make managing your insurance easier. Call us to discuss top-rated insurers.
  • Switch to a Company with Higher Customer Satisfaction Ratings: Consider switching to a provider with higher ratings for claims satisfaction and overall customer experience. Text Us for recommendations on highly rated insurers.
  • Access More Flexible Payment Options: Some insurance companies offer more flexible payment schedules or allow you to customize your billing. Call us to find out how you can benefit from better payment terms.
  • Reduce or Eliminate Hidden Fees: Hidden fees can drive up the cost of your insurance. Switching to a transparent provider can help you avoid these costs. Text Us to see if you’re overpaying on fees.
  • Benefit from Usage-Based or Telematics Programs: Some insurers offer programs that monitor your driving habits and reward safe driving with lower premiums. Call us to learn more about usage-based programs.
  • Get Coverage Tailored to Your Current Needs: Life changes—whether you’ve moved, bought a new car, or improved your credit score—can affect your insurance needs. Switching allows you to tailor your coverage to your present circumstances. Text Us for a customized quote.

ZIP CODES IN NASHVILLE, TN

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Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

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Homeowners, renters, and mobile home owners: make sure you have the protection you need.

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Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Fines
License Suspension
Legal Penalties
Increased Premiums
Vehicle Impoundment
Coverage Difficulty

Frequently Asked Questions about Car Insurance Quotes in Nashville, TN


What factors influence car insurance quotes in Nashville?

Car insurance quotes in Nashville can be influenced by driving history, vehicle type, coverage limits, and ZIP code. Contact us for personalized insights.

How do I obtain a car insurance quote in Nashville?

Getting a car insurance quote in Nashville is easy! Reach out online or call us at 1.888.445.2793 for personalized assistance.

What coverage options are available for car insurance in Nashville?

Car insurance in Nashville includes liability, collision, comprehensive, and more. We’ll guide you through suitable coverage choices.

Here’s What Our Clients Say About Us​

Last Updated on by Brian Muse

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