- Average car insurance cost in Nashville is $1,504 per year, or around $125 per month.
- For cheap auto insurance in Nashville, the Chevrolet Colorado ($1,240 per year), Acura RDX ($1,292 per year), Mercedes-Benz A220 ($1,480 per year), and Chevrolet Spark ($1,190 per year) are cheapest in their segments.
How much does car insurance cost in Nashville?
Nashville car insurance costs an average of $1,504 per year, which is 0.1% less than the overall U.S. national average rate of $1,506. The average monthly cost of car insurance in Nashville is $125 for a full coverage policy.
In the state of Tennessee, the average car insurance cost is $1,206 per year, so the average cost in Nashville is $298 more per year. The cost of car insurance in Nashville compared to other Tennessee cities is about $106 per year more than in Chattanooga, $52 per year more expensive than in Clarksville, and $46 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 – $5,390 per year or $449 per month
- 17-year-old driver – $5,034 per year or $420 per month
- 18-year-old driver – $4,702 per year or $392 per month
- 19-year-old driver – $4,250 per year or $354 per month
- 20-year-old driver – $2,986 per year or $249 per month
- 30-year-old driver – $1,586 per year or $132 per month
- 40-year-old driver – $1,504 per year or $125 per month
- 50-year-old driver – $1,372 per year or $114 per month
- 60-year-old driver – $1,348 per year or $112 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 $1,248 per year for a 40-year-old driver that qualifies for many policy discounts to $3,410 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 $1,504 per year.
As a monthly price, the average cost of car insurance in Nashville ranges from $104 to $284 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 Honda CR-V, Chevrolet Trax, Buick Envision, and Hyundai Kona. Average insurance quotes for those compact SUVs cost $1,238 or less per year ($103 per month) to have full coverage.
Some additional vehicles that rank well in the comparison table below are the Chevrolet Colorado, Ford Maverick, Buick Encore, and Kia Sportage. 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 $1,280 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 Spark | $1,190 | $99 |
| 2 | Mazda CX-30 | $1,210 | $101 |
| 3 | Honda CR-V | $1,216 | $101 |
| 4 | Toyota C-HR | $1,222 | $102 |
| 5 | Chevrolet Trax | $1,224 | $102 |
| 6 | Hyundai Kona | $1,224 | $102 |
| 7 | Buick Envision | $1,230 | $103 |
| 8 | Ford Ecosport | $1,234 | $103 |
| 9 | Kia Soul | $1,238 | $103 |
| 10 | Chevrolet Colorado | $1,240 | $103 |
| 11 | Mazda CX-5 | $1,240 | $103 |
| 12 | Nissan Rogue Sport | $1,240 | $103 |
| 13 | Chevrolet Blazer | $1,242 | $104 |
| 14 | Hyundai Venue | $1,254 | $105 |
| 15 | Toyota Corolla | $1,256 | $105 |
| 16 | Buick Encore | $1,266 | $106 |
| 17 | Nissan Kicks | $1,266 | $106 |
| 18 | Chevrolet Trailblazer | $1,274 | $106 |
| 19 | Kia Sportage | $1,280 | $107 |
| 20 | Jeep Compass | $1,286 | $107 |
| 21 | Chevrolet Equinox | $1,288 | $107 |
| 22 | Ford Maverick | $1,288 | $107 |
| 23 | Mitsubishi Eclipse Cross | $1,288 | $107 |
| 24 | Acura RDX | $1,292 | $108 |
| 25 | Nissan Murano | $1,294 | $108 |
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 Chevrolet Spark at $1,190 per year, Toyota Corolla at $1,256 per year, Subaru Impreza at $1,306 per year, and Kia Rio at $1,316 per year.
Rounding out the top 10 are models like the Kia Forte, Nissan Sentra, Mazda 6, and Mazda 3, with an average car insurance cost of $1,416 per year or less.
As a cost per month, car insurance in this segment for a good driver will start around $99 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 Chevrolet Spark at $1,190 per year ($99 per month) and ending with the Subaru Legacy at $1,528 per year ($127 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Spark | Compact | $1,190 | $99 |
| Toyota Corolla | Compact | $1,256 | $105 |
| Subaru Impreza | Compact | $1,306 | $109 |
| Kia Rio | Compact | $1,316 | $110 |
| Honda Civic | Compact | $1,336 | $111 |
| Nissan Sentra | Compact | $1,344 | $112 |
| Mazda 3 | Compact | $1,364 | $114 |
| Mazda 6 | Midsize | $1,386 | $116 |
| Hyundai Accent | Compact | $1,414 | $118 |
| Kia Forte | Compact | $1,414 | $118 |
| Chevrolet Malibu | Midsize | $1,416 | $118 |
| Honda Insight | Midsize | $1,418 | $118 |
| Toyota Prius | Compact | $1,418 | $118 |
| Volkswagen Golf | Compact | $1,448 | $121 |
| Volkswagen Jetta | Compact | $1,464 | $122 |
| Honda Accord | Midsize | $1,492 | $124 |
| Kia K5 | Midsize | $1,500 | $125 |
| Nissan Versa | Compact | $1,514 | $126 |
| Volkswagen Passat | Midsize | $1,518 | $127 |
| Subaru Legacy | Midsize | $1,528 | $127 |
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 Honda CR-V, Toyota C-HR, Chevrolet Trax, Hyundai Kona, and Mazda CX-30. Auto insurance quotes for these vehicles average $1,224 or less per year, or around $102 per month.
Additional models that have affordable average insurance rates are the Kia Soul, Ford Ecosport, Buick Envision, and Nissan Rogue Sport, with average annual insurance rates of $1,240 per year or less.
Ranked from 10th to 20th place, SUVs like the Toyota Corolla Cross, Kia Sportage, Nissan Kicks, Mitsubishi Eclipse Cross, and Buick Encore average between $1,240 and $1,294 per year for auto insurance in Nashville.
Full-coverage auto insurance in this segment for the average driver will start around $101 per month, depending on the company.
The cheapest non-luxury compact SUV to insure in Nashville is the Mazda CX-30 at $1,210 per year. For midsize models, the Chevrolet Blazer has the cheapest rates at $1,242 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest rates at $1,586 per year.
The table below ranks the SUVs with the lowest-cost average car insurance rates in Nashville, starting with the Mazda CX-30 at $1,210 per year ($101 per month) and ending with the Toyota Corolla Cross at $1,294 per year ($108 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda CX-30 | Compact | $1,210 | $101 |
| Honda CR-V | Compact | $1,216 | $101 |
| Toyota C-HR | Compact | $1,222 | $102 |
| Chevrolet Trax | Compact | $1,224 | $102 |
| Hyundai Kona | Compact | $1,224 | $102 |
| Buick Envision | Compact | $1,230 | $103 |
| Ford Ecosport | Compact | $1,234 | $103 |
| Kia Soul | Compact | $1,238 | $103 |
| Mazda CX-5 | Compact | $1,240 | $103 |
| Nissan Rogue Sport | Compact | $1,240 | $103 |
| Chevrolet Blazer | Midsize | $1,242 | $104 |
| Hyundai Venue | Compact | $1,254 | $105 |
| Buick Encore | Compact | $1,266 | $106 |
| Nissan Kicks | Compact | $1,266 | $106 |
| Chevrolet Trailblazer | Compact | $1,274 | $106 |
| Kia Sportage | Compact | $1,280 | $107 |
| Jeep Compass | Compact | $1,286 | $107 |
| Chevrolet Equinox | Compact | $1,288 | $107 |
| Mitsubishi Eclipse Cross | Compact | $1,288 | $107 |
| Nissan Murano | Midsize | $1,294 | $108 |
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 Ford Maverick, Ford Ranger, Toyota Tacoma, Chevrolet Colorado, and Chevrolet Silverado HD 3500. Auto insurance quotes for these 2022 models average $1,430 or less per year, or around $119 per month.
Not the cheapest pickups to insure, but still very reasonable, are pickups like the Ford F150, Jeep Gladiator, Nissan Frontier, and GMC Canyon, with average insurance cost of $1,486 per year or less.
Auto insurance for this segment in Nashville starts at an average of $103 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 $1,240 per year and ending with the Ford F250 Super Duty at $1,790 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,240 | $103 |
| Ford Maverick | Midsize | $1,288 | $107 |
| Ford Ranger | Midsize | $1,326 | $111 |
| Toyota Tacoma | Midsize | $1,378 | $115 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,430 | $119 |
| Nissan Frontier | Midsize | $1,434 | $120 |
| GMC Canyon | Midsize | $1,442 | $120 |
| Hyundai Santa Cruz | Midsize | $1,448 | $121 |
| Ford F150 | Full-size | $1,458 | $122 |
| Honda Ridgeline | Midsize | $1,466 | $122 |
| Jeep Gladiator | Midsize | $1,486 | $124 |
| GMC Sierra | Full-size | $1,534 | $128 |
| Nissan Titan | Full-size | $1,590 | $133 |
| Toyota Tundra | Full-size | $1,602 | $134 |
| Chevrolet Silverado | Full-size | $1,618 | $135 |
| Ford F350 Super Duty | Heavy Duty | $1,638 | $137 |
| Nissan Titan XD | Heavy Duty | $1,692 | $141 |
| Ram Truck | Full-size | $1,716 | $143 |
| GMC Sierra 2500 HD | Heavy Duty | $1,756 | $146 |
| GMC Sierra 3500 | Heavy Duty | $1,772 | $148 |
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 $1,304 per year, the Ford Mustang at $1,588 per year, and the BMW Z4 at $1,620 per year.
Some other sports cars that have good average insurance rates include the Subaru BRZ, Chevrolet Corvette, BMW M3, and Audi TT, with an average cost of $1,950 per year or less.
Some additional 2022 models worth mentioning include the Jaguar F-Type, Mercedes-Benz AMG GT53, Lexus LC 500, and Porsche Taycan, which average between $1,950 and $2,482 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 $109 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 $1,304 per year ($109 per month) and ending with the Lexus LC 500 at $2,482 per year ($207 per month).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,304 | $109 |
| Ford Mustang | Sports Car | $1,588 | $132 |
| BMW Z4 | Sports Car | $1,620 | $135 |
| Subaru WRX | Sports Car | $1,714 | $143 |
| Toyota GR86 | Sports Car | $1,758 | $147 |
| Toyota GR Supra | Sports Car | $1,796 | $150 |
| Audi TT | Sports Car | $1,836 | $153 |
| Chevrolet Corvette | Sports Car | $1,890 | $158 |
| Subaru BRZ | Sports Car | $1,890 | $158 |
| BMW M3 | Sports Car | $1,950 | $163 |
| Porsche 718 | Sports Car | $2,036 | $170 |
| Chevrolet Camaro | Sports Car | $2,088 | $174 |
| Lexus RC F | Sports Car | $2,128 | $177 |
| Dodge Challenger | Sports Car | $2,144 | $179 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,174 | $181 |
| Jaguar F-Type | Sports Car | $2,276 | $190 |
| Porsche Taycan | Sports Car | $2,336 | $195 |
| Porsche 911 | Sports Car | $2,394 | $200 |
| BMW M4 | Sports Car | $2,400 | $200 |
| Lexus LC 500 | Sports Car | $2,482 | $207 |
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 ILX at $1,394 per year, the Mercedes-Benz A220 at $1,480 per year, and the BMW 330i at $1,590 per year.
Other luxury cars that have affordable average insurance rates include the BMW 228i, BMW Z4, BMW 330e, and BMW 230i, with average annual insurance rates of $1,668 per year or less.
Ranked in the lower half of the top 20, cars like the Cadillac CT5, Lexus IS 300, Audi S3, Lexus RC 300, and Lexus RC 350 cost between $1,668 and $1,746 per year to insure in Nashville.
Auto insurance in Nashville for this segment can cost as low as $116 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 Mercedes-Benz A220 at $1,480 per year. For midsize 2022 models, the Acura ILX has the cheapest rates at $1,394 per year. And for full-size luxury models, the Audi A5 is cheapest to insure at $1,790 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 ILX | Midsize | $1,394 | $116 |
| Mercedes-Benz A220 | Compact | $1,480 | $123 |
| BMW 330i | Compact | $1,590 | $133 |
| Acura TLX | Compact | $1,602 | $134 |
| Volvo S60 | Compact | $1,616 | $135 |
| BMW 330e | Compact | $1,622 | $135 |
| BMW 228i | Compact | $1,632 | $136 |
| BMW 230i | Compact | $1,642 | $137 |
| Cadillac CT4 | Compact | $1,668 | $139 |
| Lexus IS 300 | Midsize | $1,668 | $139 |
| Lexus RC 300 | Midsize | $1,668 | $139 |
| Alfa Romeo Giulia | Compact | $1,670 | $139 |
| Lexus RC 350 | Compact | $1,678 | $140 |
| Genesis G70 | Compact | $1,700 | $142 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,708 | $142 |
| BMW i4 | Midsize | $1,718 | $143 |
| Cadillac CT5 | Midsize | $1,718 | $143 |
| Audi S3 | Compact | $1,736 | $145 |
| Audi A4 | Compact | $1,746 | $146 |
| Mercedes-Benz AMG CLA45 | Midsize | $1,748 | $146 |
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 $1,292 per year, Cadillac XT4 at $1,322 per year, Volvo XC40 at $1,450 per year, and Cadillac XT5 at $1,468 per year.
Additional luxury SUVs that rank well are the Lexus NX 350, Lexus UX 250h, Lexus UX 200, and Lexus NX 350h, with an average car insurance cost of $1,540 per year or less.
From a monthly standpoint, full-coverage auto insurance in Nashville on this segment will start around $108 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 | $1,292 | $108 |
| Cadillac XT4 | Compact | $1,322 | $110 |
| Volvo XC40 | Compact | $1,450 | $121 |
| Cadillac XT5 | Midsize | $1,468 | $122 |
| Lexus NX 250 | Compact | $1,498 | $125 |
| BMW X1 | Compact | $1,500 | $125 |
| Lexus NX 350h | Compact | $1,508 | $126 |
| Lexus UX 250h | Compact | $1,508 | $126 |
| Lexus NX 350 | Compact | $1,534 | $128 |
| Lexus UX 200 | Compact | $1,540 | $128 |
| Jaguar E-Pace | Midsize | $1,542 | $129 |
| Lexus RX 350 | Midsize | $1,550 | $129 |
| Lincoln Nautilus | Midsize | $1,572 | $131 |
| Lexus NX 450h | Compact | $1,576 | $131 |
| Mercedes-Benz GLB 250 | Compact | $1,586 | $132 |
| Lexus RX 450h | Midsize | $1,588 | $132 |
| Infiniti QX50 | Midsize | $1,592 | $133 |
| Land Rover Evoque | Compact | $1,592 | $133 |
| Lincoln Corsair | Compact | $1,594 | $133 |
| Mercedes-Benz GLC300 | Compact | $1,596 | $133 |
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 $1,618 per year (about $135 per month) and has a range of $1,340 to $3,706 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 $1,256 per year ($105 per month) and varies from $1,046 to $2,804 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 $1,564 per year, or about $130 per month, and ranges from $1,296 to $3,558 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 $1,492 per year, or about $124 per month, and varies from $1,240 to $3,398.
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 $236 per year versus a good rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $274 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 $2,100 per year for a 20-year-old driver and even as much as $484 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.
