Car Insurance in Nashville, Tennessee
Estimated full coverage in Nashville 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 Nashville costs more than the Tennessee average
Insurers price by territory, and Nashville's numbers explain most of the gap. With 704,963 residents on 475.6 square miles, the city's density (1,482 people per square mile) is 3.6 times the density where the typical Tennessee resident lives (410). The average commute is 24.7 minutes (Tennessee: 25.7), and 67% of workers drive alone. Together these put our location factor at 1.06× the state baseline for liability and collision, and 1.09× for comprehensive once FEMA weather risk for Davidson County is included.
| Factor | Nashville | Tennessee ref. | Why it matters |
|---|---|---|---|
| Population density | 1,482 / sq mi | 410 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.7 min | 25.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 66.5% | — | Share of workers commuting by car. |
| Public transit to work | 1.5% | — | Transit use lowers how much residents drive. |
| Work from home | 20.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 86.9 | 78.8 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Nashville
Rates can change from one ZIP code to the next. Across 26 Nashville ZIP codes, our full-coverage estimate ranges from $1,310 in 37218 to $1,510 in 37013. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 37013 | 105,212 | 2,683 | 29.4 min | 3.1% | $1,510 | +7% |
| 37211 | 76,573 | 3,525 | 25.4 min | 5.6% | $1,485 | +5% |
| 37221 | 41,935 | 850 | 25.2 min | 1.9% | $1,380 | −2% |
| 37207 | 41,366 | 2,138 | 23.8 min | 8.4% | $1,430 | +1% |
| 37115 | 40,615 | 1,893 | 26.1 min | 12.4% | $1,445 | +2% |
| 37076 | 39,017 | 1,403 | 27.2 min | 2.9% | $1,440 | +2% |
| 37209 | 37,817 | 1,124 | 22.7 min | 5.6% | $1,370 | −3% |
| 37072 | 32,208 | 415 | 26.3 min | 3.3% | $1,345 | −5% |
| 37217 | 31,869 | 1,794 | 31.2 min | 6.0% | $1,500 | +6% |
| 37214 | 29,805 | 1,358 | 24.9 min | 4.0% | $1,410 | 0% |
| 37206 | 28,545 | 3,683 | 21.8 min | 10.1% | $1,445 | +2% |
| 37205 | 24,823 | 1,740 | 20.8 min | 7.0% | $1,380 | −2% |
| 37138 | 22,575 | 1,259 | 28.4 min | 2.9% | $1,445 | +2% |
| 37215 | 22,018 | 1,437 | 18.4 min | 2.7% | $1,340 | −5% |
| 37203 | 21,442 | 5,113 | 17.4 min | 12.7% | $1,415 | 0% |
| 37208 | 20,889 | 4,337 | 18.8 min | 13.8% | $1,420 | 0% |
| 37212 | 20,592 | 7,488 | 16.9 min | 10.9% | $1,435 | +1% |
| 37216 | 19,038 | 2,828 | 24.1 min | 4.7% | $1,455 | +3% |
| 37210 | 17,725 | 1,910 | 24.3 min | 22.0% | $1,425 | +1% |
| 37204 | 16,469 | 2,258 | 17.4 min | 3.0% | $1,360 | −4% |
| 37218 | 15,292 | 392 | 23.3 min | 8.3% | $1,310 | −7% |
| 37080 | 6,844 | 139 | 36.8 min | 2.7% | $1,380 | −2% |
| 37189 | 3,442 | 136 | 30.0 min | 4.3% | $1,310 | −7% |
| 37228 | 2,585 | 1,773 | 22.8 min | 13.7% | $1,405 | −1% |
| 37219 | 2,398 | 11,102 | 15.8 min | 7.1% | $1,450 | +2% |
| 37201 | 1,467 | 4,570 | 19.8 min | 1.8% | $1,435 | +1% |
Minimum car insurance in Nashville
Nashville drivers follow Tennessee's rules: at least 25/50/25 liability coverage. Tennessee is at-fault (tort). We estimate state-minimum coverage in Nashville at $480 a year, and $695 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 Nashville 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 Davidson County as relatively moderate for hail, relatively high for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
4.9% of Nashville commuters spend an hour or more getting to work, and there are 1.69 vehicles per household. 20.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 87.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.9 | Comprehensive; dwelling | |
| Hurricane | 53.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.2 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 97.1 | Comprehensive; dwelling | |
| Winter weather | 82.4 | 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 Nashville by driver profile
A clean-record driver in their 50s pays the least in our Nashville model (about $1,300 for full coverage); an 18-year-old on their own policy pays about $3,890, and a DUI pushes a 30-something to $2,615.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,320 | $1,915 | $3,890 | $324 |
| Young adult (22) | $770 | $1,115 | $2,260 | $188 |
| Adult in their 30s | $480 | $695 | $1,415 | $118 |
| Adult in their 50s | $440 | $640 | $1,300 | $108 |
| Senior (72) | $540 | $780 | $1,585 | $132 |
| 30s, one at-fault accident | $695 | $1,010 | $2,050 | $171 |
| 30s, DUI on record | $890 | $1,290 | $2,615 | $218 |
Minimum vs. standard vs. full coverage in Nashville
| 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. | $480 | $40 | $395–$565 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $695 | $58 | $570–$820 |
| 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 Nashville
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Cheap car insurance in Nashville: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Nashville'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 20.4% of Nashville workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $395 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $720 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $310 | 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 Nashville
- 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 138 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 Nashville, our estimates differ by up to $200 a year between neighborhoods.
Car insurance agents near Nashville, TN
We found 138 insurance offices within about 17 miles of central Nashville, 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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Tim Shrum - State Farm
1205 4th Ave N, Nashville, TN 37208 -
Erie Insurance
1033 Demonbreun Street, Suite 300, Nashville, TN 37203 -
Erie Insurance
615 Main Street, #B12, Nashville, TN 37206 -
Stephon Fleming - Allstate
1 Vantage Way, Ste B115, Nashville, TN 37228 -
Russell Wade Tapley - Farmers Insurance
3 S 9th St, Nashville, TN 37206 -
Holly Geronzin - GEICO
2120 Rosa L. Parks Boulevard, Nashville, TN 37228 -
Erie Insurance
204 S 11th Street, Nashville, TN 37206 -
Erie Insurance
215 29th Avenue N, Nashville, TN 37203 -
Michael Davis - State Farm
2817 West End Avenue, Suite 209, Nashville, TN 37203 -
Terry W Jones - State Farm
545 Mainstream Drive, Suite 403, Nashville, TN 37228 -
Andrew Judd - State Farm
3212 West End Avenue, Suite 300, Nashville, TN 37203 -
Allstate Direct Agency
2614 Gallatin Pike, Nashville, TN 37216 -
Jeff Summers - State Farm
3805 Charlotte Ave, Nashville, TN 37209 -
Farmers Insurance Greer Carr
2200 21st Ave Street, #102, Nashville, TN 37212 -
Mike Maclean - State Farm
935 E. Trinity Lane Suites 9 & 10, Nashville, TN 37207 -
Erie Insurance
Po Box 90411, Nashville, TN 37209 -
Sankumba Diaoune - Farmers Insurance
2167 Carson St, Nashville, TN 37211 -
State Farm
TN -
Erie Insurance
3511 Gallatin Pike, Suite 109, Nashville, TN 37216 -
Craig McElhaney - State Farm Insurance Agent
718 Thompson Ln, #118, Nashville, TN 37204 -
Jason Paul Egly - Farmers Insurance
5916 Morrow Rd, Nashville, TN 37209 -
Allstate Direct Agency
103 White Bridge Pike, Nashville, TN 37209 -
William Hardin - State Farm
4703 Gallatin Pike, Nashville, TN 37216 -
Allstate Direct Agency
1128 Murfreesboro Pike, Nashville, TN 37217 -
Erie Insurance
2451 Atrium Way, Nashville, TN 37214 -
Erie Insurance
201 Point East Drive, Suite B, Nashville, TN 37216 -
Ryan Kirk Graham - Farmers Insurance
555 Marriott Dr, Nashville, TN 37214 -
TrustEdge, LLC
1101 Kermit Dr, Ste 510, Nashville, TN 37217 -
Celestia Ware - Farmers Insurance
1101 Kermit Dr, Nashville, TN 37217 -
Roy Arnold - State Farm
2600 A Lebanon Pike, Nashville, TN 37214 -
National General/Direct General Insurance
TN -
Rod Lovelace - Allstate
2603 Elm Hill Pike, Ste N, Nashville, TN 37214 -
Parthenon Insurance
4711 Trousdale Dr, Ste 125, Nashville, TN 37220 -
Garrick Green - State Farm
3807 Dickerson Pike, Suite H, Nashville, TN 37207 -
Erie Insurance
4721 Trousdale Drive, Suite 210, Nashville, TN 37220 -
Marvin Cook - State Farm
308 Donelson Pike, Nashville, TN 37214 -
Allstate Direct Agency
3981 Nolensville Pike, Nashville, TN 37211 -
Erie Insurance
109 Donelson Pike, Nashville, TN 37214 -
Joshua Moore - Allstate
211 Donelson Pike, Ste 14, Nashville, TN 37214 -
Brandon Valle - State Farm
5819 Old Harding Pike, Suite 204, Nashville, TN 37205
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 Nashville
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,055 | −25% |
| Subaru Outback | Wagon | $1,055 | −25% |
| Tesla Model 3 | Midsize car | $1,500 | +6% |
| Subaru Forester | Small SUV | $1,035 | −27% |
| Honda Civic | Compact car | $1,605 | +13% |
| Toyota Corolla | Compact car | $1,495 | +6% |
| Jeep Wrangler | Midsize SUV | $1,150 | −19% |
| Mazda CX-5 | Small SUV | $1,190 | −16% |
| MINI Cooper | Subcompact car | $1,065 | −25% |
| Tesla Model Y | Midsize SUV | $1,350 | −5% |
More car insurance topics in Nashville
Car insurance in nearby Tennessee cities
- Franklin $1,415/yr · 18 mi
- Murfreesboro $1,480/yr · 30 mi
- Clarksville $1,455/yr · 41 mi
- Chattanooga $1,325/yr · 115 mi
- Jackson $1,305/yr · 120 mi
- Knoxville $1,375/yr · 159 mi
- Memphis $1,385/yr · 193 mi
- Kingsport $1,305/yr · 237 mi
- Johnson City $1,330/yr · 246 mi
All Tennessee cities and state rules · Homeowners insurance in Nashville
Frequently asked questions
How much is car insurance in Nashville, TN?
We estimate full coverage in Nashville at about $1,415 a year ($118 a month) for a driver in their 30s with a clean record, and about $480 for Tennessee's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Nashville more expensive than the Tennessee average?
Our Nashville estimate is 7% higher than the statewide figure. The model reflects a population density of 1,482 people per square mile (the typical Tennessee resident lives at about 410) and an average commute of 24.7 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 Nashville?
Drivers in Nashville follow Tennessee law: at least 25/50/25 liability coverage.
Which ZIP code in Nashville has the cheapest car insurance?
Among Nashville's 26 ZIP codes, 37218 has the lowest estimate (about $1,310 a year for full coverage) and 37013 the highest (about $1,510), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Nashville?
An 18-year-old with their own full-coverage policy would pay around $3,890 a year in Nashville by our estimate ($1,320 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Nashville?
Yes. FEMA's National Risk Index rates Davidson County for inland (river) flooding (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Nashville?
We list 138 insurance offices in and around Nashville, 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 (Nashville 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