Car Insurance in Franklin, Tennessee
Estimated full coverage in Franklin runs about $1,415 a year ($118/month) — ▲ +7% versus the Tennessee average, ranking 3rd most expensive of the 10 Tennessee cities we cover.
Why car insurance in Franklin costs more than the Tennessee average
Insurers price by territory, and Franklin's numbers explain most of the gap. With 89,142 residents on 44.6 square miles, the city's density (2,001 people per square mile) is 4.9 times the density where the typical Tennessee resident lives (410). The average commute is 23.9 minutes (Tennessee: 25.7), and 62% of workers drive alone. Together these put our location factor at 1.07× the state baseline for liability and collision, and 1.05× for comprehensive once FEMA weather risk for Williamson County is included.
| Factor | Franklin | Tennessee ref. | Why it matters |
|---|---|---|---|
| Population density | 2,001 / sq mi | 410 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 23.9 min | 25.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 61.9% | — | Share of workers commuting by car. |
| Public transit to work | 0.1% | — | Transit use lowers how much residents drive. |
| Work from home | 30.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 69.8 | 78.8 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Franklin
Rates can change from one ZIP code to the next. Across 3 Franklin ZIP codes, our full-coverage estimate ranges from $1,325 in 37064 to $1,360 in 37067. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 37064 | 67,513 | 367 | 26.2 min | 3.2% | $1,325 | −6% |
| 37067 | 31,556 | 971 | 23.2 min | 2.6% | $1,360 | −4% |
| 37069 | 20,209 | 562 | 26.1 min | 1.2% | $1,355 | −4% |
Minimum car insurance in Franklin
Franklin drivers follow Tennessee's rules: at least 25/50/25 liability coverage. Tennessee is at-fault (tort). We estimate state-minimum coverage in Franklin at $485 a year, and $705 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Tennessee does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included unless the named insured affirmatively declines it. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of Tennessee's uninsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
The minimum property damage limit was raised from $15,000.
Risk factors that shape Franklin premiums
Accidents
Tennessee recorded 1,197 traffic deaths, or 1.52 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Tennessee's vehicle theft rate is 226 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Williamson County as relatively low for hail, relatively moderate for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
3.6% of Franklin commuters spend an hour or more getting to work, and there are 1.89 vehicles per household. 30.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 41.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 88.9 | Comprehensive; dwelling | |
| Hurricane | 41.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 88.2 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 89.1 | Comprehensive; dwelling | |
| Winter weather | 84.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Franklin by driver profile
A clean-record driver in their 50s pays the least in our Franklin model (about $1,305 for full coverage); an 18-year-old on their own policy pays about $3,895, and a DUI pushes a 30-something to $2,620.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,335 | $1,935 | $3,895 | $325 |
| Young adult (22) | $775 | $1,125 | $2,265 | $189 |
| Adult in their 30s | $485 | $705 | $1,415 | $118 |
| Adult in their 50s | $445 | $645 | $1,305 | $109 |
| Senior (72) | $545 | $785 | $1,585 | $132 |
| 30s, one at-fault accident | $705 | $1,020 | $2,055 | $171 |
| 30s, DUI on record | $895 | $1,300 | $2,620 | $218 |
Minimum vs. standard vs. full coverage in Franklin
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $485 | $40 | $400–$570 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $705 | $59 | $575–$830 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,415 | $118 | $1,160–$1,670 |
Estimate your premium in Franklin
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Cheap car insurance in Franklin: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Franklin's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $100 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 30.4% of Franklin workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $390 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $710 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $315 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Franklin
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 25 offices listed below.
- Check complaint records with the Tennessee Department of Commerce and Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Franklin, our estimates differ by up to $35 a year between neighborhoods.
Car insurance agents near Franklin, TN
We found 25 insurance offices within about 5 miles of central Franklin, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Erie Insurance
130 9th Avenue S, Suite 210, Franklin, TN 37064 -
Jordan Drake - State Farm
206 Bridge St, Suite 300, Franklin, TN 37064 -
Ed Underwood - State Farm
115 5th Ave N, Franklin, TN 37064 -
Brian Martin - State Farm
207 3rd Ave N, Franklin, TN 37064 -
Caroline Pistole - State Farm
4115 Mallory Lane, Suite 100, Franklin, TN 37067 -
Chris Walsh - Allstate
4096 Carothers Pkwy, Ste 8, Franklin, TN 37067 -
Erie Insurance
3326 Aspen Grove Drive, Suite 100, Franklin, TN 37067 -
ONeal Insurance Group
3401 Mallory Ln, Franklin, TN 37067 -
Owen O'Malley - Allstate
1014 Fulton Greer Rd, Ste 2, Franklin, TN 37064 -
Erie Insurance
113 Seaboard Lane, Suite 250a, Franklin, TN 37067 -
Erie Insurance
256 Seaboard Lane, Suite H102, Franklin, TN 37067 -
Erie Insurance
302 Innovation Drive, Suite 310, Franklin, TN 37067 -
Erie Insurance
1896 Gen George Patton Drive, #500, Franklin, TN 37067 -
Timothy Greer Carr - Farmers Insurance
1881 General George Patton Dr, Franklin, TN 37067 -
Erie Insurance
725 Cool Springs Blvd, Suite 400, Franklin, TN 37067 -
James Kampfer: Allstate Insurance
725 Cool Springs Boulevard, #600, Franklin, TN 37067 -
Erie Insurance
321 Billingsly Court, Suite 18, Franklin, TN 37067 -
Sara Anglin - State Farm
2000 Meridian Blvd, Suite 285, Franklin, TN 37067 -
Nicholas Brian Mazzanti - Farmers Insurance
1804 Williamson Ct, Brentwood, TN 37027 -
Erie Insurance
102 Front Street, Franklin, TN 37064 -
Erie Insurance
7061 Moores Lane, #500, Brentwood, TN 37027 -
Dejuan Buford - State Farm
7061 Moores Lane, Suite 200, Brentwood, TN 37027 -
Farm Bureau Insurance of Tennessee
TN -
Bryan Keith Lytle - Farmers Insurance
1616 Westgate Cir, Brentwood, TN 37027 -
Daryl Foster - Farmers Insurance
1585 Mallory Ln, Brentwood, TN 37027
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Franklin
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,060 | −25% |
| Subaru Outback | Wagon | $1,055 | −25% |
| Tesla Model 3 | Midsize car | $1,505 | +6% |
| Subaru Forester | Small SUV | $1,035 | −27% |
| Honda Civic | Compact car | $1,610 | +14% |
| Toyota Corolla | Compact car | $1,500 | +6% |
| Jeep Wrangler | Midsize SUV | $1,155 | −18% |
| Mazda CX-5 | Small SUV | $1,190 | −16% |
| MINI Cooper | Subcompact car | $1,070 | −24% |
| Tesla Model Y | Midsize SUV | $1,355 | −4% |
Car insurance in nearby Tennessee cities
- Nashville $1,415/yr · 18 mi
- Murfreesboro $1,480/yr · 24 mi
- Clarksville $1,455/yr · 53 mi
- Chattanooga $1,325/yr · 108 mi
- Jackson $1,305/yr · 113 mi
- Knoxville $1,375/yr · 162 mi
- Memphis $1,385/yr · 184 mi
- Kingsport $1,305/yr · 244 mi
- Johnson City $1,330/yr · 251 mi
All Tennessee cities and state rules · Homeowners insurance in Franklin
Frequently asked questions
How much is car insurance in Franklin, TN?
We estimate full coverage in Franklin at about $1,415 a year ($118 a month) for a driver in their 30s with a clean record, and about $485 for Tennessee's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Franklin more expensive than the Tennessee average?
Our Franklin estimate is 7% higher than the statewide figure. The model reflects a population density of 2,001 people per square mile (the typical Tennessee resident lives at about 410) and an average commute of 23.9 minutes versus 25.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Franklin?
Drivers in Franklin follow Tennessee law: at least 25/50/25 liability coverage.
Which ZIP code in Franklin has the cheapest car insurance?
Among Franklin's 3 ZIP codes, 37064 has the lowest estimate (about $1,325 a year for full coverage) and 37067 the highest (about $1,360), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Franklin?
An 18-year-old with their own full-coverage policy would pay around $3,895 a year in Franklin by our estimate ($1,335 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Franklin?
FEMA's National Risk Index does not rate Williamson County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Franklin?
We list 25 insurance offices in and around Franklin, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Tennessee Department of Revenue: Financial Responsibility Law
- Tennessee Department of Safety: Do I need SR-22 Insurance?
- NAIC 2022/2023 Auto Insurance Database Report, Table 41 (liability limits history)
- Tennessee Insurance: File an Insurance Complaint
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Franklin and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places