Auto Insurance In Nashville TN

Auto Insurance In Nashville TN
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Tennessee has been cracking down on uninsured drivers — don’t be one of them. It doesn’t cost much to insure your vehicle. In fact, car insurance premiums in Tennessee average about 15% less than they do nationally. And according to my research, you could save even more simply by shopping around. How so? Insurance agencies develop unique formulas for calculating rates, considering things like your age, driving record, vehicle make and model, and zip code. The only way to find your lowest rate is to get at least five car insurance quotes and compare them.  Read more on auto insurance in Nashville Tennessee.


I got quotes for the best auto insurance in Nashville Tennessee for  the state’s minimum coverage from five top insurers and found I could save $333 a year by choosing the right company. Progressive was my cheapest option at $300, but remember, that may not be the case for you. Auto insurance rates are highly personalized, so there’s no way I can recommend the best car insurance policy for everyone.


An online quote for auto insurance in Nashville TN should only take five minutes or so. If you don’t know your annual mileage or your driver’s license number, look those up before getting started. You can also call for a quote, but that’ll take a little longer, probably about 10 minutes per call. And if you’re dealing with an independent agent, you may have to wait for them to give you a call back with the quote.

Tennessee’s Minimum Coverage

The Bare Minimum

Tennessee residents are required to carry $25,000 of bodily injury coverage per person and $50,000 per accident, plus $15,000 of property damage liability coverage. This is in line with what most states require, though the property damage requirement is a bit below average.

The Best Car Insurance Is Not Just Cheap Car Insurance

Consider this:

  • The average driver has an accident every 17.9 years.
  • The average cost of a disabling, nonfatal injury is about $80,000, according to the National Safety Council.

If I have utterly cheap car insurance and I T-bone someone, giving them an $80,000 injury, I’m in serious trouble. My insurance will only pay up to my policy limits, and then I’m on my own. I’m likely to get dragged to court for the rest and just like that, my savings are gone.

Raising my policy limits to $50,000/$100,000/$25,000 would only cost me an extra $20 a year from Progressive. That still wouldn’t be enough to cover all the damages in the accident above, but it would mean less money I’d pay out of pocket. I’d barely even notice the extra $2 on my monthly premiums, so for me, the extra coverage is definitely worth it.