- Average car insurance cost in Nashville is $1,730 per year, or around $144 per month.
- For cheap auto insurance in Nashville, the Ford Maverick ($1,434 per year), Acura RDX ($1,442 per year), Acura Integra ($1,552 per year), and Subaru Impreza ($1,430 per year) are cheapest in their segments.
How much does car insurance cost in Nashville?
Nashville car insurance costs an average of $1,730 per year, which is 2.6% more than the overall U.S. national average rate of $1,685. The average monthly cost of car insurance in Nashville is $144 for a full coverage policy.
In the state of Tennessee, the average car insurance cost is $1,678 per year, so the average cost in Nashville is $52 more per year. The cost of car insurance in Nashville compared to other Tennessee cities is about $118 per year more than in Chattanooga, $58 per year more expensive than in Clarksville, and $44 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 – $6,188 per year or $516 per month
- 17-year-old driver – $5,786 per year or $482 per month
- 18-year-old driver – $5,404 per year or $450 per month
- 19-year-old driver – $4,890 per year or $408 per month
- 20-year-old driver – $3,436 per year or $286 per month
- 30-year-old driver – $1,818 per year or $152 per month
- 40-year-old driver – $1,730 per year or $144 per month
- 50-year-old driver – $1,572 per year or $131 per month
- 60-year-old driver – $1,544 per year or $129 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 $1,434 per year for a 40-year-old driver that qualifies for many policy discounts to $3,924 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 $1,730 per year.
As a monthly price, the average cost of car insurance in Nashville ranges from $120 to $327 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 Subaru Crosstrek, Nissan Kicks, Buick Encore, and Mazda CX-5. Average insurance quotes for those compact SUVs cost $1,380 or less per year ($115 per month) to have full coverage.
Some additional vehicles that rank well in the comparison table below are the Ford Maverick, Honda HR-V, Hyundai Kona, and Honda CR-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 $1,466 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 Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,310 | $109 |
| 2 | Subaru Crosstrek | $1,318 | $110 |
| 3 | Nissan Kicks | $1,326 | $111 |
| 4 | Honda Passport | $1,340 | $112 |
| 5 | Nissan Rogue Sport | $1,348 | $112 |
| 6 | Mazda CX-5 | $1,356 | $113 |
| 7 | Buick Encore | $1,378 | $115 |
| 8 | Buick Envision | $1,380 | $115 |
| 9 | Kia Seltos | $1,402 | $117 |
| 10 | Subaru Ascent | $1,404 | $117 |
| 11 | Hyundai Venue | $1,408 | $117 |
| 12 | Subaru Impreza | $1,430 | $119 |
| 13 | Ford Maverick | $1,434 | $120 |
| 14 | Honda HR-V | $1,436 | $120 |
| 15 | Chevrolet Colorado | $1,440 | $120 |
| 16 | Acura RDX | $1,442 | $120 |
| 17 | Hyundai Kona | $1,450 | $121 |
| 18 | Subaru Forester | $1,456 | $121 |
| 19 | Ford Edge | $1,464 | $122 |
| 20 | Honda CR-V | $1,466 | $122 |
| 21 | Mazda CX-30 | $1,470 | $123 |
| 22 | Ford Explorer | $1,472 | $123 |
| 23 | Volkswagen Atlas | $1,474 | $123 |
| 24 | Chevrolet Trax | $1,482 | $124 |
| 25 | Nissan Murano | $1,486 | $124 |
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 Subaru Impreza at $1,430 per year, Volkswagen Jetta at $1,578 per year, Subaru Legacy at $1,592 per year, and Nissan Sentra at $1,602 per year.
Rounding out the top 10 are models like the Mazda 3, Volkswagen Golf, Toyota Camry, and Toyota Prius, with an average car insurance cost of $1,666 per year or less.
As a cost per month, car insurance in this segment for a good driver will start around $119 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 Subaru Impreza at $1,430 per year ($119 per month) and ending with the Volkswagen Arteon at $1,812 per year ($151 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,430 | $119 |
| Volkswagen Jetta | Compact | $1,578 | $132 |
| Subaru Legacy | Midsize | $1,592 | $133 |
| Nissan Sentra | Compact | $1,602 | $134 |
| Toyota Corolla | Compact | $1,620 | $135 |
| Volkswagen Golf | Compact | $1,624 | $135 |
| Toyota Prius | Compact | $1,630 | $136 |
| Toyota Camry | Midsize | $1,642 | $137 |
| Mazda 3 | Compact | $1,656 | $138 |
| Kia K5 | Midsize | $1,666 | $139 |
| Chevrolet Malibu | Midsize | $1,682 | $140 |
| Chrysler 300 | Full-size | $1,686 | $141 |
| Honda Civic | Compact | $1,692 | $141 |
| Kia Forte | Compact | $1,694 | $141 |
| Mitsubishi Mirage G4 | Compact | $1,702 | $142 |
| Nissan Leaf | Compact | $1,740 | $145 |
| Honda Accord | Midsize | $1,744 | $145 |
| Toyota Crown | Midsize | $1,756 | $146 |
| Tesla Model 3 | Midsize | $1,766 | $147 |
| Volkswagen Arteon | Midsize | $1,812 | $151 |
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 Subaru Crosstrek, Honda Passport, Nissan Kicks, Nissan Rogue Sport, and Chevrolet Trailblazer. Auto insurance quotes for these vehicles average $1,348 or less per year, or around $112 per month.
Additional models that have affordable average insurance rates are the Buick Envision, Buick Encore, Mazda CX-5, and Kia Seltos, with average annual insurance rates of $1,404 per year or less.
Ranked from 10th to 20th place, SUVs like the Chevrolet Trax, Honda CR-V, Subaru Forester, Ford Explorer, and Hyundai Kona average between $1,404 and $1,482 per year for auto insurance in Nashville.
Full-coverage auto insurance in this segment for the average driver will start around $109 per month, depending on the company.
The cheapest non-luxury compact SUV to insure in Nashville is the Chevrolet Trailblazer at $1,310 per year. For midsize models, the Honda Passport has the cheapest rates at $1,340 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest rates at $1,620 per year.
The table below ranks the SUVs with the lowest-cost average car insurance rates in Nashville, starting with the Chevrolet Trailblazer at $1,310 per year ($109 per month) and ending with the Chevrolet Trax at $1,482 per year ($124 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,310 | $109 |
| Subaru Crosstrek | Compact | $1,318 | $110 |
| Nissan Kicks | Compact | $1,326 | $111 |
| Honda Passport | Midsize | $1,340 | $112 |
| Nissan Rogue Sport | Compact | $1,348 | $112 |
| Mazda CX-5 | Compact | $1,356 | $113 |
| Buick Encore | Compact | $1,378 | $115 |
| Buick Envision | Compact | $1,380 | $115 |
| Kia Seltos | Compact | $1,402 | $117 |
| Subaru Ascent | Midsize | $1,404 | $117 |
| Hyundai Venue | Compact | $1,408 | $117 |
| Honda HR-V | Compact | $1,436 | $120 |
| Hyundai Kona | Compact | $1,450 | $121 |
| Subaru Forester | Compact | $1,456 | $121 |
| Ford Edge | Midsize | $1,464 | $122 |
| Honda CR-V | Compact | $1,466 | $122 |
| Mazda CX-30 | Compact | $1,470 | $123 |
| Ford Explorer | Midsize | $1,472 | $123 |
| Volkswagen Atlas | Midsize | $1,474 | $123 |
| Chevrolet Trax | Compact | $1,482 | $124 |
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 Chevrolet Colorado, Nissan Frontier, Ford Ranger, Ford Maverick, and GMC Canyon. Auto insurance quotes for these 2023 models average $1,568 or less per year, or around $131 per month.
Not the cheapest pickups to insure, but still very reasonable, are pickups like the Nissan Titan, Ford F150, Toyota Tacoma, and Hyundai Santa Cruz, with average insurance cost of $1,756 per year or less.
Auto insurance for this segment in Nashville starts at an average of $120 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 Ford Maverick at $1,434 per year and ending with the Nissan Titan XD at $1,928 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,434 | $120 |
| Chevrolet Colorado | Midsize | $1,440 | $120 |
| Nissan Frontier | Midsize | $1,492 | $124 |
| Ford Ranger | Midsize | $1,534 | $128 |
| GMC Canyon | Midsize | $1,568 | $131 |
| Toyota Tacoma | Midsize | $1,576 | $131 |
| Hyundai Santa Cruz | Midsize | $1,606 | $134 |
| Nissan Titan | Full-size | $1,708 | $142 |
| Honda Ridgeline | Midsize | $1,714 | $143 |
| Ford F150 | Full-size | $1,756 | $146 |
| GMC Sierra 2500 HD | Heavy Duty | $1,770 | $148 |
| Jeep Gladiator | Midsize | $1,796 | $150 |
| Toyota Tundra | Full-size | $1,818 | $152 |
| GMC Sierra 3500 | Heavy Duty | $1,822 | $152 |
| GMC Sierra | Full-size | $1,884 | $157 |
| Chevrolet Silverado | Full-size | $1,888 | $157 |
| Ram Truck | Full-size | $1,888 | $157 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,894 | $158 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,898 | $158 |
| Nissan Titan XD | Heavy Duty | $1,928 | $161 |
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 $1,598 per year, the Audi TT at $1,792 per year, and the Ford Mustang at $1,872 per year.
Some other sports cars that have good average insurance rates include the Toyota GR86, BMW M2, Subaru BRZ, and Toyota GR Supra, with an average cost of $2,084 per year or less.
Some additional 2023 models worth mentioning include the Mercedes-Benz AMG GT53, Chevrolet Camaro, Lexus LC 500, and Jaguar F-Type, which average between $2,084 and $2,596 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 $133 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 $1,598 per year ($133 per month) and ending with the Lexus LC 500 at $2,596 per year ($216 per month).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,598 | $133 |
| Audi TT | Sports Car | $1,792 | $149 |
| Ford Mustang | Sports Car | $1,872 | $156 |
| BMW Z4 | Sports Car | $1,886 | $157 |
| Subaru WRX | Sports Car | $1,908 | $159 |
| Nissan Z | Sports Car | $1,936 | $161 |
| Toyota GR Supra | Sports Car | $1,968 | $164 |
| BMW M2 | Sports Car | $1,992 | $166 |
| Toyota GR86 | Sports Car | $1,994 | $166 |
| Subaru BRZ | Sports Car | $2,084 | $174 |
| Chevrolet Corvette | Sports Car | $2,132 | $178 |
| BMW M3 | Sports Car | $2,178 | $182 |
| Porsche 718 | Sports Car | $2,224 | $185 |
| Lexus RC F | Sports Car | $2,226 | $186 |
| Chevrolet Camaro | Sports Car | $2,260 | $188 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,398 | $200 |
| Jaguar F-Type | Sports Car | $2,478 | $207 |
| Porsche Taycan | Sports Car | $2,536 | $211 |
| BMW M4 | Sports Car | $2,566 | $214 |
| Lexus LC 500 | Sports Car | $2,596 | $216 |
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 $1,552 per year, the BMW 330i at $1,756 per year, and the Acura TLX at $1,784 per year.
Other luxury cars that have affordable average insurance rates include the BMW 330e, Cadillac CT5, Lexus ES 350, and Lexus ES 250, with average annual insurance rates of $1,876 per year or less.
Ranked in the lower half of the top 20, cars like the Audi S3, Lexus RC 300, Mercedes-Benz AMG CLA45, Mercedes-Benz AMG CLA35, and BMW 230i cost between $1,876 and $1,928 per year to insure in Nashville.
Auto insurance in Nashville for this segment can cost as low as $129 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 $1,552 per year. For midsize 2023 models, the Cadillac CT5 has the cheapest rates at $1,858 per year. And for full-size luxury models, the Audi A5 is cheapest to insure at $1,938 per year.
The table below ranks the luxury cars with the lowest-cost average insurance rates in Nashville.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,552 | $129 |
| BMW 330i | Compact | $1,756 | $146 |
| Acura TLX | Compact | $1,784 | $149 |
| Cadillac CT4 | Compact | $1,806 | $151 |
| Genesis G70 | Compact | $1,842 | $154 |
| Cadillac CT5 | Midsize | $1,858 | $155 |
| Lexus ES 350 | Midsize | $1,864 | $155 |
| BMW 330e | Compact | $1,868 | $156 |
| Lexus ES 250 | Midsize | $1,874 | $156 |
| BMW 228i | Compact | $1,876 | $156 |
| Lexus RC 300 | Midsize | $1,882 | $157 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,884 | $157 |
| Audi A3 | Midsize | $1,888 | $157 |
| BMW 230i | Compact | $1,892 | $158 |
| Mercedes-Benz C300 | Compact | $1,904 | $159 |
| Audi A4 | Compact | $1,914 | $160 |
| Lexus RC 350 | Compact | $1,914 | $160 |
| Audi S3 | Compact | $1,928 | $161 |
| Mercedes-Benz AMG CLA45 | Midsize | $1,928 | $161 |
| Volvo S60 | Compact | $1,928 | $161 |
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 $1,442 per year, Lexus RX 350 at $1,546 per year, Cadillac XT4 at $1,562 per year, and Volvo XC40 at $1,588 per year.
Additional luxury SUVs that rank well are the Cadillac XT6, Mercedes-Benz GLA250, Mercedes-Benz GLB 250, and Cadillac XT5, with an average car insurance cost of $1,684 per year or less.
From a monthly standpoint, full-coverage auto insurance in Nashville on this segment will start around $120 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/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,442 | $120 |
| Lexus RX 350 | Midsize | $1,546 | $129 |
| Cadillac XT4 | Compact | $1,562 | $130 |
| Volvo XC40 | Compact | $1,588 | $132 |
| Infiniti QX50 | Midsize | $1,598 | $133 |
| Lexus UX 250h | Compact | $1,618 | $135 |
| Cadillac XT5 | Midsize | $1,644 | $137 |
| Mercedes-Benz GLA250 | Compact | $1,678 | $140 |
| Cadillac XT6 | Midsize | $1,680 | $140 |
| Mercedes-Benz GLB 250 | Compact | $1,684 | $140 |
| Lexus NX 250 | Compact | $1,706 | $142 |
| Acura MDX | Midsize | $1,718 | $143 |
| Lexus NX 350h | Compact | $1,726 | $144 |
| Lexus NX 350 | Compact | $1,736 | $145 |
| Lincoln Corsair | Compact | $1,738 | $145 |
| Lexus NX 450h | Compact | $1,740 | $145 |
| Lincoln Nautilus | Midsize | $1,750 | $146 |
| BMW X1 | Compact | $1,752 | $146 |
| Alfa Romeo Tonale | Compact | $1,754 | $146 |
| Mercedes-Benz GLC300 | Compact | $1,760 | $147 |
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 $1,888 per year (about $157 per month) and has a range of $1,564 to $4,320 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 $1,620 per year ($135 per month) and varies from $1,346 to $3,652 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 $1,586 per year, or about $132 per month, and ranges from $1,318 to $3,598 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 $1,744 per year, or about $145 per month, and varies from $1,450 to $3,986.
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 $272 per year versus a good rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $315 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 $2,416 per year for a 20-year-old driver and even as much as $552 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.
