Find Cheap Car Insurance in Nashville, TN

Did you know that Nashville, Tennessee, is known as “Music City” not just for its legendary country scene, but also for its long-standing roots in the arts, publishing, and recording industries? From historic studios along Music Row to the iconic Grand Ole Opry, the city has been shaping American music for nearly a century.

Beyond its musical legacy, Nashville is rich with cultural landmarks that celebrate the state’s history. You can explore the Belle Meade Historic Site & Winery, a preserved plantation that dates back to the 1800s, or visit The Parthenon in Centennial Park, a full-scale replica of the Greek original — one of the city’s most unique attractions. The Tennessee State Museum and Ryman Auditorium also offer a glimpse into the region’s deep cultural roots.

As you make your way through Nashville’s growing neighborhoods, busy highways, and scenic parkways, having the right auto insurance matters. Tennessee requires all drivers to carry minimum liability coverage, and Acceptance Insurance makes it easy to find cheap car insurance in Nashville that fits your needs and budget. Explore your options, compare coverage levels, and discover affordable protection today.

If you live in Nashville, you’ll pay around $34 a month for liability car insurance. That’s a good deal when you compare it to the national average of $52 and Tennessee’s average of $42.

If you’re considering full auto coverage, the price is about $121 a month. That’s still less than Tennessee’s average of $167 and quite a bit lower than the national average of $168.

What Does it Mean if Tennessee Is an At-Fault State?

Tennessee is an at-fault state, meaning the driver who causes a crash is responsible for paying the damages of the other party. This includes medical bills, lost wages, and property damage.

Because of this system, it’s crucial to carry enough liability coverage — and consider additional protection — to avoid paying large expenses out of pocket after an accident.

Compare Car Insurance Rates by City in Tennessee

Car insurance premiums can vary widely across Tennessee depending on traffic, weather, population density, and local claim rates. Below is a look at how Nashville compares to other major cities across the state:

Compare Car Insurance Rates by Zip Code in Nashville

Your ZIP code has a major impact on how much you pay for auto insurance. Areas with higher traffic, more crashes, or increased theft rates tend to have higher premiums. Here’s how rates may vary across Nashville:

Low-Cost Car Insurance Rates by Age in Nashville

Car insurance for young drivers is often one of the biggest expenses families face. Rates typically drop in your 30s and continue decreasing until about age 65. Here’s a breakdown of typical monthly costs in Nashville:

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Nashville, Tennessee?

According to the Tennessee Department of Safety and Homeland Security, thousands of car accidents happen across the state each year. These incidents don’t just affect everyone’s safety on the road—they can also cause your insurance rates to go up.

Between 2022 and 2023, there were 11,212 crashes in Tennessee that led to fatalities or serious injuries. In Nashville alone, 218 people lost their lives in car accidents during that same time frame.

If you want to avoid being part of those numbers, it’s smart to practice safer driving habits, like staying focused and keeping distractions off your mind when you’re behind the wheel.

Are Road Infrastructure and Bridges in Nashville Well Maintained?

Nashville has invested a lot in improving its roads and infrastructure. The city has repaved major routes, upgraded drainage systems to prevent flooding, and modernized older roads that hadn’t seen updates in decades.

On top of that, the state is handling some major projects as well. For example, the Tennessee Department of Transportation (TDOT) is working on widening Interstate 65 from Nashville to the Kentucky state line. This work covers about 25.8 miles through Davidson, Robertson, and Sumner counties. The goal is to reduce congestion, improve safety and traffic flow, and accommodate both current and future traffic needs. Because of the size of the project, it’s being completed in phases, with the third phase expected to finish in 2027.

Tennessee requires every driver to carry minimum liability insurance, which includes:

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

If you finance your vehicle, your lender may also require collision and comprehensive coverage, even though these are not required by the state.

Tennessee has one of the highest rates of uninsured motorists in the United States — ranking 5th nationwide, with 21.3% of drivers lacking insurance. As a result, the state enforces strong penalties for uninsured driving.

If you’re caught driving without insurance in Nashville, you may face:

• Fines up to $300
• License and registration suspension until you provide proof of insurance and pay reinstatement fees
• Possible SR-22 requirement to prove financial responsibility for several years
• Vehicle towing or impound, depending on the situation

Full financial responsibility for injuries, repairs, and property damage if you’re involved in an accident without coverage.

Maintaining active car insurance is always far less expensive than the penalties and long-term consequences of driving uninsured.

Several elements influence how much you pay for auto insurance in Tennessee, including:

• Age — senior drivers typically pay lower premiums than teens or young adults
• Credit score — poor credit can raise your rate
• Marital status — married drivers in Tennessee save an average of $110 per year
• Driving record — violations and accidents increase premiums
• Coverage level — full coverage costs more than liability insurance

Here’s What You Need to Know When Driving in Tennessee

Driving conditions in Tennessee can vary a lot. Bigger cities like Nashville, Knoxville, and Memphis often experience heavier traffic, ongoing construction, and more frequent accidents. In the mountainous areas of East Tennessee, winter driving can be especially challenging because of snow and ice.

In Nashville in particular, constant development and construction frequently cause lane closures and traffic delays. It’s a good idea to use GPS apps for real-time detours and to drive carefully through active construction zones.

Looking to lower your insurance premiums? Nashville residents can reduce costs by taking advantage of driver discounts such as: