- Average car insurance cost in Nashville is $2,438 per year, or around $203 per month.
- For cheap auto insurance in Nashville, the Chevrolet Colorado ($2,150 per year), Acura RDX ($2,040 per year), Acura Integra ($2,168 per year), and Toyota GR Corolla ($2,118 per year) are cheapest in their segments.
How much does car insurance cost in Nashville?
Nashville car insurance costs an average of $2,438 per year, which is 9.3% more than the overall U.S. national average rate of $2,221. The average monthly cost of car insurance in Nashville is $203 for a full coverage policy.
In the state of Tennessee, the average car insurance cost is $2,392 per year, so the average cost in Nashville is $46 more per year. The cost of car insurance in Nashville compared to other Tennessee cities is about $112 per year more than in Chattanooga, $54 per year more expensive than in Clarksville, and $38 per year more expensive than in Knoxville.
The age of the driver makes a big difference in the price you pay for car insurance. The list below illustrates these differences by showing average car insurance rates for drivers from age 16 to 60.
Nashville car insurance cost for drivers age 16 to 60
- 16-year-old driver – $8,684 per year or $724 per month
- 17-year-old driver – $8,414 per year or $701 per month
- 18-year-old driver – $7,541 per year or $628 per month
- 19-year-old driver – $6,865 per year or $572 per month
- 20-year-old driver – $4,906 per year or $409 per month
- 30-year-old driver – $2,602 per year or $217 per month
- 40-year-old driver – $2,438 per year or $203 per month
- 50-year-old driver – $2,162 per year or $180 per month
- 60-year-old driver – $2,022 per year or $169 per month
The next chart summarizes auto insurance cost in Nashville for different common policy situations. Rates are averaged for all Nashville Zip Codes and shown based on a variety of driver ages and policy risk profiles.
Average rates in the chart above range from $2,026 per year for a 40-year-old driver that qualifies for many policy discounts to $5,610 per year for a 20-year-old driver with too many driving violations or at-fault accidents. The rate used in this article to compare different vehicles or locations is the 40-year-old safe driver rate, which is an average cost of $2,438 per year.
As a monthly price, the average cost of car insurance in Nashville ranges from $169 to $468 for the same annual rate data shown in the chart above.
Nashville auto insurance rates can cost significantly different amounts and seemingly inconsequential changes in a driver’s risk profile can have large effects on car insurance cost. The potential for large premium differences reinforces the need to get multiple car insurance quotes when trying to find more affordable auto insurance.
What is the cheapest car insurance in Nashville?
When all car, SUV, and pickup insurance rates are compared, the models with the lowest cost average auto insurance prices in Nashville tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Buick Envision. Average insurance quotes for those compact SUVs cost $1,980 or less per year ($165 per month) to have full coverage.
Some additional vehicles that rank well in the comparison table below are the Nissan Murano, Buick Encore, Buick Envista, and Honda HR-V. Average car insurance rates are a little higher for those models than the crossovers and small SUVs that rank near the top, but they still have average rates of $2,120 or less per year.
The table below details the 25 car, truck, and SUV models with the cheapest auto insurance in Nashville, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,802 | $150 |
| 2 | Chevrolet Trailblazer | $1,832 | $153 |
| 3 | Kia Soul | $1,902 | $159 |
| 4 | Nissan Kicks | $1,918 | $160 |
| 5 | Honda Passport | $1,944 | $162 |
| 6 | Buick Envision | $1,954 | $163 |
| 7 | Toyota Corolla Cross | $1,966 | $164 |
| 8 | Hyundai Venue | $1,980 | $165 |
| 9 | Mazda CX-5 | $1,990 | $166 |
| 10 | Ford Bronco Sport | $1,996 | $166 |
| 11 | Volkswagen Tiguan | $2,020 | $168 |
| 12 | Acura RDX | $2,040 | $170 |
| 13 | Nissan Murano | $2,048 | $171 |
| 14 | Buick Encore | $2,070 | $173 |
| 15 | Subaru Outback | $2,076 | $173 |
| 16 | Honda CR-V | $2,078 | $173 |
| 17 | Buick Envista | $2,084 | $174 |
| 18 | Volkswagen Taos | $2,088 | $174 |
| 19 | Kia Niro | $2,098 | $175 |
| 20 | Toyota GR Corolla | $2,118 | $177 |
| 21 | Honda HR-V | $2,120 | $177 |
| 22 | Subaru Ascent | $2,122 | $177 |
| 23 | Nissan Leaf | $2,134 | $178 |
| 24 | Chevrolet Colorado | $2,150 | $179 |
| 25 | Honda Civic | $2,158 | $180 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nashville, TN Zip Codes. Updated June 27, 2025
A table showing 25 of the cheapest vehicles to insure in Nashville is fine if you just want the absolute lowest rates. A more efficient way to analyze car insurance rates for different vehicles is by sorting them by their automotive segment. The sections below show the vehicles with the cheapest insurance rates in Nashville for each of the primary vehicle segments.
Cheapest cars to insure in Nashville
The four cheapest sedans and hatchbacks to insure in Nashville are the Toyota GR Corolla at $2,118 per year, Nissan Leaf at $2,134 per year, Honda Civic at $2,158 per year, and Nissan Sentra at $2,234 per year.
Rounding out the top 10 are models like the Chevrolet Malibu, Toyota Prius, Honda Accord, and Kia K5, with an average car insurance cost of $2,374 per year or less.
As a cost per month, car insurance in this segment for a good driver will start around $177 per month, depending on your company and location.
The rate comparison table below ranks the cars with the lowest-cost average auto insurance rates in Nashville, starting with the Toyota GR Corolla at $2,118 per year ($177 per month) and ending with the Mazda 3 at $2,520 per year ($210 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,118 | $177 |
| Nissan Leaf | Compact | $2,134 | $178 |
| Honda Civic | Compact | $2,158 | $180 |
| Nissan Sentra | Compact | $2,234 | $186 |
| Subaru Impreza | Compact | $2,240 | $187 |
| Toyota Prius | Compact | $2,280 | $190 |
| Kia K5 | Midsize | $2,348 | $196 |
| Honda Accord | Midsize | $2,356 | $196 |
| Chevrolet Malibu | Midsize | $2,364 | $197 |
| Toyota Corolla | Compact | $2,374 | $198 |
| Kia Forte | Compact | $2,382 | $199 |
| Volkswagen Arteon | Midsize | $2,396 | $200 |
| Nissan Versa | Compact | $2,404 | $200 |
| Subaru Legacy | Midsize | $2,406 | $201 |
| Hyundai Ioniq 6 | Midsize | $2,424 | $202 |
| Mitsubishi Mirage G4 | Compact | $2,462 | $205 |
| Volkswagen Jetta | Compact | $2,466 | $206 |
| Toyota Crown | Midsize | $2,468 | $206 |
| Hyundai Sonata | Midsize | $2,472 | $206 |
| Mazda 3 | Compact | $2,520 | $210 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nashville, TN Zip Codes. Updated June 26, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.
Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Nashville car insurance quotes from the best companies in Tennessee.
Cheapest SUV insurance rates in Nashville
Ranking at the top of the list for the cheapest Nashville car insurance rates in the SUV segment (excluding luxury models) are the Chevrolet Trailblazer, Nissan Kicks, Kia Soul, Honda Passport, and Subaru Crosstrek. Auto insurance quotes for these vehicles average $1,944 or less per year, or around $162 per month.
Additional models that have affordable average insurance rates are the Hyundai Venue, Toyota Corolla Cross, Buick Envision, and Mazda CX-5, with average annual insurance rates of $1,996 per year or less.
Ranked from 10th to 20th place, SUVs like the Subaru Ascent, Buick Envista, Honda CR-V, Kia Niro, and Buick Encore average between $1,996 and $2,122 per year for auto insurance in Nashville.
Full-coverage auto insurance in this segment for the average driver will start around $150 per month, depending on the company.
The cheapest non-luxury compact SUV to insure in Nashville is the Subaru Crosstrek at $1,802 per year. For midsize models, the Honda Passport has the cheapest rates at $1,944 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest rates at $2,290 per year.
The table below ranks the SUVs with the lowest-cost average car insurance rates in Nashville, starting with the Subaru Crosstrek at $1,802 per year ($150 per month) and ending with the Subaru Ascent at $2,122 per year ($177 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,802 | $150 |
| Chevrolet Trailblazer | Compact | $1,832 | $153 |
| Kia Soul | Compact | $1,902 | $159 |
| Nissan Kicks | Compact | $1,918 | $160 |
| Honda Passport | Midsize | $1,944 | $162 |
| Buick Envision | Compact | $1,954 | $163 |
| Toyota Corolla Cross | Compact | $1,966 | $164 |
| Hyundai Venue | Compact | $1,980 | $165 |
| Mazda CX-5 | Compact | $1,990 | $166 |
| Ford Bronco Sport | Compact | $1,996 | $166 |
| Volkswagen Tiguan | Compact | $2,020 | $168 |
| Nissan Murano | Midsize | $2,048 | $171 |
| Buick Encore | Compact | $2,070 | $173 |
| Subaru Outback | Midsize | $2,076 | $173 |
| Honda CR-V | Compact | $2,078 | $173 |
| Buick Envista | Midsize | $2,084 | $174 |
| Volkswagen Taos | Compact | $2,088 | $174 |
| Kia Niro | Compact | $2,098 | $175 |
| Honda HR-V | Compact | $2,120 | $177 |
| Subaru Ascent | Midsize | $2,122 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nashville, TN Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Tennessee.
Cheapest pickup truck insurance rates in Nashville
Ranking highest for the most affordable Nashville auto insurance rates in the pickup segment are the Nissan Titan, Nissan Frontier, Ford Ranger, Chevrolet Colorado, and Ford Maverick. Auto insurance quotes for these 2024 models average $2,366 or less per year, or around $197 per month.
Not the cheapest pickups to insure, but still very reasonable, are pickups like the Toyota Tacoma, GMC Canyon, Honda Ridgeline, and Hyundai Santa Cruz, with average insurance cost of $2,508 per year or less.
Auto insurance for this segment in Nashville starts at an average of $179 per month, depending on where you live and the company you use. The comparison table below ranks the pickups with the cheapest insurance rates in Nashville, starting with the Chevrolet Colorado at $2,150 per year and ending with the Ram Truck at $2,820 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,150 | $179 |
| Nissan Titan | Full-size | $2,280 | $190 |
| Nissan Frontier | Midsize | $2,306 | $192 |
| Ford Ranger | Midsize | $2,328 | $194 |
| Ford Maverick | Midsize | $2,366 | $197 |
| Honda Ridgeline | Midsize | $2,418 | $202 |
| Hyundai Santa Cruz | Midsize | $2,460 | $205 |
| Toyota Tacoma | Midsize | $2,470 | $206 |
| GMC Sierra 2500 HD | Heavy Duty | $2,478 | $207 |
| GMC Canyon | Midsize | $2,508 | $209 |
| Jeep Gladiator | Midsize | $2,570 | $214 |
| GMC Sierra 3500 | Heavy Duty | $2,584 | $215 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,608 | $217 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,676 | $223 |
| GMC Sierra | Full-size | $2,692 | $224 |
| Chevrolet Silverado | Full-size | $2,696 | $225 |
| Nissan Titan XD | Heavy Duty | $2,696 | $225 |
| Ford F150 | Full-size | $2,730 | $228 |
| GMC Hummer EV Pickup | Full-size | $2,796 | $233 |
| Ram Truck | Full-size | $2,820 | $235 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nashville, TN Zip Codes. Updated June 27, 2025
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Need rates for a different pickup model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Nashville car insurance quotes from the best companies in Tennessee.
Cheapest sports car insurance rates in Nashville
The lowest-cost sports cars to insure in Nashville are the Mazda MX-5 Miata at $2,256 per year, the Toyota GR86 at $2,570 per year, and the Ford Mustang at $2,680 per year.
Some other sports cars that have good average insurance rates include the Nissan Z, Lexus RC F, Subaru BRZ, and BMW M2, with an average cost of $2,916 per year or less.
Some additional 2024 models worth mentioning include the BMW M4, Porsche 911, Porsche Taycan, and Lexus LC 500, which average between $2,916 and $4,130 per year to insure.
As a cost per month, auto insurance on this segment in Nashville for an average middle-age driver will start around $188 per month, depending on where you live. The next table ranks the sports cars with the lowest-cost average auto insurance rates in Nashville, starting with the Mazda MX-5 Miata at $2,256 per year ($188 per month) and ending with the Porsche Taycan at $4,130 per year ($344 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,256 | $188 |
| Toyota GR86 | Sports Car | $2,570 | $214 |
| Ford Mustang | Sports Car | $2,680 | $223 |
| BMW Z4 | Sports Car | $2,692 | $224 |
| Subaru WRX | Sports Car | $2,736 | $228 |
| Toyota GR Supra | Sports Car | $2,738 | $228 |
| BMW M2 | Sports Car | $2,818 | $235 |
| Nissan Z | Sports Car | $2,824 | $235 |
| Lexus RC F | Sports Car | $2,882 | $240 |
| Subaru BRZ | Sports Car | $2,916 | $243 |
| BMW M3 | Sports Car | $3,080 | $257 |
| Porsche 718 | Sports Car | $3,140 | $262 |
| Chevrolet Camaro | Sports Car | $3,168 | $264 |
| Chevrolet Corvette | Sports Car | $3,380 | $282 |
| Porsche 911 | Sports Car | $3,494 | $291 |
| BMW M4 | Sports Car | $3,640 | $303 |
| Lexus LC 500 | Sports Car | $3,660 | $305 |
| Jaguar F-Type | Sports Car | $3,846 | $321 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,036 | $336 |
| Porsche Taycan | Sports Car | $4,130 | $344 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nashville, TN Zip Codes. Updated June 26, 2025
Don’t see your sports car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Nashville.
Cheapest luxury car insurance rates in Nashville, TN
The three top-ranked luxury cars with the most affordable insurance in Nashville are the Acura Integra at $2,168 per year, the BMW 330i at $2,482 per year, and the Mercedes-Benz CLA250 at $2,510 per year.
Other luxury cars that have affordable average insurance rates include the Genesis G70, Cadillac CT4, Lexus ES 350, and Mercedes-Benz AMG CLA35, with average annual insurance rates of $2,562 per year or less.
Ranked in the lower half of the top 20, cars like the BMW 230i, Lexus IS 350, Lexus ES 300h, Jaguar XF, and Lexus ES 250 cost between $2,562 and $2,734 per year to insure in Nashville.
Auto insurance in Nashville for this segment can cost as low as $181 per month, depending on the company and where you live.
If vehicle size is considered, the most budget-friendly small luxury car to insure in Nashville is the Acura Integra at $2,168 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the cheapest rates at $2,510 per year. And for full-size luxury models, the Audi A5 is cheapest to insure at $2,898 per year.
The table below ranks the luxury cars with the lowest-cost average insurance rates in Nashville.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,168 | $181 |
| BMW 330i | Compact | $2,482 | $207 |
| Mercedes-Benz CLA250 | Midsize | $2,510 | $209 |
| Lexus IS 300 | Midsize | $2,514 | $210 |
| Acura TLX | Compact | $2,522 | $210 |
| Cadillac CT4 | Compact | $2,546 | $212 |
| Lexus ES 350 | Midsize | $2,546 | $212 |
| Genesis G70 | Compact | $2,552 | $213 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,556 | $213 |
| Lexus RC 300 | Midsize | $2,562 | $214 |
| Lexus IS 350 | Compact | $2,574 | $215 |
| Jaguar XF | Midsize | $2,580 | $215 |
| Cadillac CT5 | Midsize | $2,628 | $219 |
| Lexus ES 250 | Midsize | $2,638 | $220 |
| Lexus RC 350 | Compact | $2,644 | $220 |
| BMW 330e | Compact | $2,648 | $221 |
| BMW 228i | Compact | $2,652 | $221 |
| BMW 230i | Compact | $2,672 | $223 |
| Lexus ES 300h | Midsize | $2,676 | $223 |
| Audi S3 | Compact | $2,734 | $228 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nashville, TN Zip Codes. Updated June 27, 2025
See our guide for luxury car insurance to compare rates for all makes and models.
Don’t see your luxury car in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Nashville car insurance quotes from top companies in Tennessee.
Cheapest luxury SUV insurance rates in Nashville
The four lowest-cost luxury SUVs to insure in Nashville are the Acura RDX at $2,040 per year, Lexus NX 250 at $2,160 per year, Cadillac XT4 at $2,202 per year, and Jaguar E-Pace at $2,282 per year.
Additional luxury SUVs that rank well are the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lincoln Corsair, with an average car insurance cost of $2,352 per year or less.
From a monthly standpoint, full-coverage auto insurance in Nashville on this segment will start around $170 per month, depending on your location. The rate comparison table below ranks the luxury SUVs with the most affordable average auto insurance rates in Nashville.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,040 | $170 |
| Lexus NX 250 | Compact | $2,160 | $180 |
| Cadillac XT4 | Compact | $2,202 | $184 |
| Jaguar E-Pace | Midsize | $2,282 | $190 |
| Cadillac XT5 | Midsize | $2,302 | $192 |
| Lexus NX 350h | Compact | $2,302 | $192 |
| Lincoln Corsair | Compact | $2,328 | $194 |
| Mercedes-Benz GLB 250 | Compact | $2,334 | $195 |
| Lexus UX 250h | Compact | $2,336 | $195 |
| Lexus NX 450h | Compact | $2,352 | $196 |
| Infiniti QX50 | Midsize | $2,370 | $198 |
| Mercedes-Benz GLA250 | Compact | $2,378 | $198 |
| Cadillac XT6 | Midsize | $2,386 | $199 |
| Mercedes-Benz GLA35 AMG | Compact | $2,386 | $199 |
| Infiniti QX60 | Midsize | $2,400 | $200 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,404 | $200 |
| Land Rover Evoque | Compact | $2,434 | $203 |
| Acura MDX | Midsize | $2,438 | $203 |
| Lexus NX 350 | Compact | $2,446 | $204 |
| Lexus RX 350 | Midsize | $2,448 | $204 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nashville, TN Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Looking for rates for a different model? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Nashville car insurance quotes from the best car insurance companies in Tennessee.
Variability of car insurance rates
To help illustrate the amount that car insurance cost can fluctuate from one person to the next (and also emphasize the importance of accurate rate quotes), the examples below show detailed rates for four popular models in Nashville: the Chevrolet Silverado, Toyota Corolla, Kia Sorento, and Honda Accord.
The example for each vehicle uses a variety of different driver profiles to show the difference in cost based on driver risk or policy deductible limits.
Chevrolet Silverado insurance rates
In Nashville, Chevrolet Silverado insurance averages $2,696 per year (about $225 per month) and has a range of $2,236 to $6,258 annually.
The Chevrolet Silverado is considered a full-size truck, and other models from that segment that are popular in Nashville, Tennessee, include the Toyota Tundra, Ford F150, Ram Truck, and Nissan Titan.
Toyota Corolla insurance rates
Toyota Corolla insurance in Nashville costs an average of $2,374 per year ($198 per month) and varies from $1,972 to $5,446 per year.
The Toyota Corolla belongs to the compact car segment, and other models from that segment that are popular in Nashville, Tennessee, include the Chevrolet Cruze, Honda Civic, Volkswagen Jetta, and Hyundai Elantra.
Kia Sorento insurance rates
In Nashville, Kia Sorento insurance averages $2,314 per year, or about $193 per month, and ranges from $1,924 to $5,316 per year.
The Kia Sorento is a midsize SUV, and other similar models that are popular in Nashville, TN, include the Honda Pilot, Ford Edge, Jeep Grand Cherokee, and Ford Explorer.
Honda Accord insurance rates
In Nashville, Honda Accord insurance costs an average of $2,356 per year, or about $196 per month, and varies from $1,960 to $5,416.
The Honda Accord belongs to the midsize car segment, and other popular same-segment models include the Kia K5, Chevrolet Malibu, Hyundai Sonata, and Nissan Altima.
Money-saving tips for finding cheaper auto insurance
Drivers should always be thinking of ways to reduce their monthly car insurance expenses. So take a minute to review the money-saving ideas in this next list and maybe you can save a little money on your next policy.
- Good credit scores mean better rates. Having a credit score above 800 could save up to $383 per year versus a good rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $444 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Safe drivers pay less. Having frequent at-fault accidents will raise rates, potentially up to $3,482 per year for a 20-year-old driver and even as much as $736 per year for a 50-year-old driver. So drive safe and save money!
- Avoid filing small claims. Most auto insurance companies offer discounts if you have no claims. Car insurance should be used for significant claims, not small claims.
- Compare insurance cost before buying a car. Different vehicles, and even different trims of the same vehicle, can have very different insurance premiums, and car insurance companies can charge a wide range of costs. Get plenty of car insurance quotes before you buy to prevent insurance sticker shock when you get the bill.
- Shop around and save. Setting aside a few minutes before every renewal to get some free car insurance quotes is the best way to save money. Rates change more often that you might think and you can change companies at any time.