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Last updated: December 22, 2025Best Cheap Car Insurance in Nashville
USAA and Travelers offer the cheapest full coverage auto insurance in Nashville, at $1,145 and $1,332 per year, respectively, on average.
Best for Bundling
Editor's Rating:4.9/5
Average Cost in Nashville
- Full Coverage Monthly: $177
- Minimum Coverage Monthly: $59
Best for Military/Veterans
Editor's Rating:5/5
Average Cost in Nashville
- Full Coverage Monthly: $103
- Minimum Coverage Monthly: $34
Best for Customer Satisfaction
Editor's Rating:5/5
Average Cost in Nashville
- Full Coverage Monthly: $158
- Minimum Coverage Monthly: $54
Key Takeaways
- The average cost of car insurance in Nashville is slightly higher than the Tennessee averages for both full and minimum coverage.
- Travelers and USAA offer some of the cheapest auto insurance in Nashville. Erie and State Farm stand out for customer service.
- Average rates can help you evaluate companies, but your rates will likely vary based on individual factors, like your driving history, vehicle and age. To find the best rates, compare car insurance quotes from at least three companies.
Our Top Picks for the Best Cheap Auto Insurance in Nashville
- Best for Bundling: State Farm
- Best for Military/Veterans: USAA
- Best for Customer Satisfaction: Erie
- Best on a Budget: Travelers
- Best for Low Mileage Drivers: Nationwide
Compare the Best Cheap Auto Insurance in Nashville
| Company | Full coverage annual average | Minimum coverage annual average | Southeast customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $2,127 | $704 | Above average |
| USAA | $1,230 | $410 | Above average* |
| Erie | $1,899 | $643 | Above average |
| Travelers | $1,332 | Data unavailable | Below average |
| Nationwide | Data unavailable | Data unavailable | Above average |
| Nashville | $2,108 | $718 | – |
TIP:
Make sure you understand the difference between full coverage and liability auto insurance before you buy a policy. Full coverage includes comprehensive coverage and collision insurance, which compensate you when your car is damaged, totaled or stolen.
1. Best for Bundling - State Farm
What We Like Most:
- Wide range of discounts, including a good bundling discount
- Local Nashville agents
- Nationally known insurer
Why we chose it
State Farm is the largest auto insurer in the country, which gives you the perks of working with a major insurer. Its for both full and minimum coverage are around average in Nashville, but it boasts highly-rated customer service from a network of local agents. The company advertises an average savings of $1,356 annually for bundling,1 and scored above-average on J.D. Power’s Home Insurance Study.2
State Farm consistently also gets high marks for auto insurance customer satisfaction, and it scored above average in J.D. Power’s most recent customer satisfaction study for the Southeast region. It also scored above average in J.D. Power’s Auto Claims Satisfaction Study.
Another perk of State Farm is its telematics program, State Farm Drive Safe & Save, which can save you money when you use an app to monitor safe-driving practices. State Farm also has great discounts for young drivers, and a separate telematics program specifically geared toward young drivers..
Who it’s best for
State Farm is an excellent choice for Nashville drivers who want a solid balance of low rates and good service from a national insurer, as well as for people who like working with a local agent. It’s also worth getting a quote if you’d like to take advantage of safe-driving programs or bundle your policies.
State Farm Nashville Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $177 | $59 |
| Annually | $2,127 | $704 |
| Difference from Nashville average | +1% | -2% |
2. Best for Military/Veterans - USAA
What We Like Most:
- Cheapest full coverage rates in Nashville
- Excellent reputation for customer service
- Military-specific discounts
Why we chose it
USAA offers some of the cheapest rates on auto insurance in Nashville, along with high customer satisfaction scores.
USAA serves members of the military community exclusively. Although its members-only policy makes it ineligible for official ranking by J.D. Power, it consistently receives some of the highest customer and claims satisfaction ratings. Military-specific discounts, such as savings for garaging a car on a military base, make USAA a natural choice for service members.
Who it’s best for
USAA is available only to members of the military, veterans and their families. Drivers who qualify for membership will find a range of financial services tailored to the military community, with great rates and an excellent reputation for customer service.
USAA Nashville Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $103 | $34 |
| Annually | $1,230 | $410 |
| Difference from Nashville average | -42% | -43% |
>>RELATED: See a side-by-side comparison of USAA vs. State Farm.
3. Best for Customer Satisfaction - Erie
What We Like Most:
- No. 1 for customer satisfaction in the Southeast
- Lowest rates for teen drivers in Tennessee
- Unique coverage options
Why we chose it
Erie ranked first for both customer satisfaction in the Southeast region and claims handling nationally. Erie also earned an A- rating from CRASH Network, landing it on the Honor Roll, which means auto repair shops rated it highly for claims handling and payment practices.
In addition, Erie has the lowest rates for teen drivers in Tennessee. Another benefit of this insurer is that it offers unique coverage options, such as pet injury coverage and Auto Plus, which includes benefits like diminishing deductibles.
Who it’s best for
Erie is a great choice for Nashville drivers who prioritize exceptional service, as well as for households with teens. It’s also worth looking into Erie if you need unique types of coverage. Prospective customers must be willing to work with a local independent agent to purchase a policy, so Erie is not a good fit for people who prefer to buy their policy completely online.
Erie Nashville Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $158 | $54 |
| Annually | $1,899 | $643 |
| Difference from Nashville average | -10% | -10% |
4. Best on a Budget - Travelers
What We Like Most:
- Lowest nonmilitary rates for full coverage
- Low rates for drivers with DUIs or accidents
- Established insurer in business for over 160 years
Why we chose it
Other than USAA, which is available only to the military community, Travelers offers the lowest rates for full coverage car insurance in Nashville. Where Travelers may fall short is in its below-average ratings from J.D. Power for customer satisfaction and claims handling.
Who it’s best for
Drivers who prioritize low rates over stellar service (or who are willing to take a chance) should get a quote from Travelers. It’s an especially good match for drivers with a bad record, so look into it if you have a DUI or an accident on your record in Tennessee.
Travelers Nashville Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $111 | Data unavailable |
| Annually | $1,332 | Data unavailable |
| Difference from Nashville average | -37% | – |
5. Best for Low Mileage Drivers - Nationwide
What We Like Most:
- Pay-per-mile option available
- Offers gap insurance and new car replacement
- Excellent telematics discount
Why we chose it
Nationwide is one of a few major insurers to offer pay-per-mile insurance in most states, including Tennessee. If you work from home, are retired, have a second car driven less-frequently, or log fewer miles than average for another reason, you could save with Nationwide’s pay-per-mile insurance, called SmartRide.
The company also scored highly in the Southeast region on J.D. Power’s customer satisfaction study, and for claims satisfaction nationally.
Who it’s best for
Drivers who log fewer than 8,000 miles annually should consider a quote from Nationwide. The company is also a good option for those with new cars, as it offers both gap coverage and new car replacement.
Nashville Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southeast3 | CRASH Network Insurer Report Card4 | J.D. Power Auto Claims Satisfaction Study5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| State Farm | 677 | C- | 716 | 0.85 |
| USAA | 749* | D+ | 741* | 1.32 |
| Erie | 718 | A- | 743 | 0.67 |
| Travelers | 606 | C | 691 | 0.67 |
| Nationwide | 691 | C | 729 | 0.69 |
| Average | 667 (out of 1,000) | C+ | 700 | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Nashville
USAA has the cheapest full coverage car insurance in Nashville, at $1,230 per year. Travelers ($1,332 annually) and Penn National ($1,705 annually) also have cheap rates in Nashville.
| Company | Monthly average | Annual Nashville average |
|---|---|---|
| USAA | $103 | $1,230 |
| Travelers | $111 | $1,332 |
| Penn National | $142 | $1,705 |
| Auto-Owners | $151 | $1,815 |
| Erie | $158 | $1,899 |
| GEICO | $163 | $1,960 |
| State Farm | $177 | $2,127 |
| Farmers | $182 | $2,186 |
| Progressive | $221 | $2,657 |
| Nashville average | $176 | $2,108 |
| Tennessee average | $143 | $1,716 |
| U.S. average | $196 | $2,356 |
Cheapest Minimum Coverage Car Insurance in Nashville
USAA also has the cheapest minimum coverage rates at $410 annually, with Erie ($643 annually) and State Farm ($704 annually) being next-cheapest.
| Company | Monthly Nashville average | Annual Nashville average |
|---|---|---|
| USAA | $34 | $410 |
| Erie | $54 | $643 |
| State Farm | $59 | $704 |
| GEICO | $64 | $764 |
| Farmers | $65 | $782 |
| Progressive | $78 | $938 |
| Nashville average | $60 | $718 |
| Tennessee average | $49 | $587 |
| U.S. average | $60 | $722 |
How Many Car Accidents Happen in Nashville?
Metropolitan Nashville had 26,154 crashes in 2024. Of those, 17,910 involved property damage, 8,141 involved injuries, and 103 involved fatalities.7 Allstate’s 2025 Best Drivers Report ranked Nashville 107 out of 200 on its list of the safest driving cities. On average, the study found that Nashville drivers have a 19.4 percent higher likelihood of being in a collision than the national average.8
Stick to the speed limit and consider a safe-driving telematics program to help improve your driving and potentially lower your car insurance rate.
GOOD TO KNOW:
Tennessee is an at-fault state, which means the at-fault party is responsible for property damage and medical expenses. If you’re 50 percent or more at fault in an accident, you won’t receive compensation.
Minimum Auto Insurance Requirements in Tennessee
Tennessee drivers are required to carry auto insurance with the following minimum liability limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident9
Your requirements may vary if you have an auto loan or you lease your vehicle. If your car is financed, you may be required to carry higher liability limits, as well as comprehensive and collision coverage to protect your car’s value in an accident.
Frequently Asked Questions
USAA has the cheapest full and minimum coverage auto insurance rates in Nashville. For nonmilitary drivers, Travelers is cheapest for full coverage and Erie is cheapest for minimum coverage.
Erie and USAA have some of the lowest rates in Tennessee for teen drivers at $3,037 and $3,501 annually for full coverage, respectively. State Farm also offers a range of discounts geared toward young drivers, including its Steer Clear training program, good-student discounts of up to 25 percent, and a student-away-at school discount.
The average rates for car insurance in Nashville are slightly higher than statewide averages but lower than the national averages for both full and minimum coverage, as shown below.
How Nashville Auto Insurance Rates Compare
| Average rate | Full coverage | Minimum coverage |
|---|---|---|
| Nashville | $2,108 | $718 |
| Tennessee | $1,716 | $587 |
| U.S. | $2,356 | $722 |
The average monthly rate for full coverage auto insurance in Nashville is $176, well below $300. However, if you have a high-risk designation, like poor credit, a DUI, or a lapse in insurance coverage, you will pay higher than the average. To make sure you’re getting the best rate, compare quotes from multiple insurance providers.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Nashville, Tennessee, for good drivers with good credit. Full coverage averages use the following limits:
-
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of the damages, and a timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources like AM Best and S&P. Real-life customer experiences are included when available.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap insurance and rideshare coverage.
Read more about our ratings and methodology.
Writer
Gayle has written several articles for AutoInsurance.com, including guides to cheap auto insurance in Atlanta and Sacramento. Her work has appeared on various personal finance, banking and business sites, including (most frequently) the consumer blog for Experian. She’s also written for a number of magazines, including Entrepreneur, Independent Business, Fit Pregnancy, Men’s Fitness and Shape.
Sources
Save up to $1,356 when bundling auto & home insurance. State Farm. (2025).
https://www.statefarm.com/insurance/bundlingHomeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds. J.D. Power. (2025, Sept 16).
https://www.jdpower.com/business/press-releases/2025-us-home-insurance-studyIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmPolice Data Dashboard: Vehicle Crashes Map. Metropolitan Government of Nashville and Davidson County. (2025).
https://www.nashville.gov/departments/police/data-dashboard/vehicle-crashes-mapAllstate’s 2025 America’s Best Drivers Report® reveals the safest and riskiest driving cities. Allstate. (2025).
https://www.allstate.com/best-driversFinancial Responsibility Law. TN Department of Revenue. (2025).
https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee/why-you-should-have-insurance.html
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