On average, car insurance in Nashville costs $1,476 per year for full coverage, which is much lower than the national average of $1,674 and higher than the state average of $1,338 per year. Your exact Tennessee car insurance cost depends on several factors, most notably your age, gender, zip code of residence, and previous claims history.
Other factors that could determine your auto insurance rates in Nashville-Davidson-Murfreesboro, TN, include your participation in customer loyalty programs, installation of anti-theft devices/anti-lock brakes, and the make and model of the vehicle you drive.
Obtaining a full car insurance policy with low deductibles and high coverage comprehensive, collision, and property damage limits is one of the best ways you can protect yourself on the road. Without a full coverage insurance policy, you may be on the hook for thousands and thousands of dollars of damages if it is determined you are at fault for any accident, from simple fender benders to more serious collisions.
Thankfully, there are many steps you can take to lower your premiums.
Nashville Low-Cost Car Insurance Rates by Zip Code
Your zip code is one of the first things insurers look at when assessing rates. Every zip code has tons of data supporting the number of thefts, claims, and other driver behavioral data to make determinations on how much in premiums each of its residents should pay.
Nashville-Davidson-Murfreesboro has 27 zip codes. Here are the average monthly rates for each zip code: