Car Insurance in Nashville, TN
How much does car insurance
cost in Nashville, Tennessee?
The average estimated cost of Lemonade car insurance in Nashville ranges from roughly $812 to $852 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Tennessee:
| City | Average monthly base premium* |
|---|---|
| Hendersonville | $50 to $59 |
| Memphis | $60 to $69 |
| Knoxville | $60 to $69 |
| Clarksville | $80 to $89 |
How can I get cheaper car insurance
in Nashville, Tennessee?
Lemonade offers Tennessee drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Nashville, Tennessee?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Nashville, Tennessee?
To meet Tennessee car insurance coverage requirements, Nashville drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Nashville drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $25,000 |
What additional car insurance coverages
are available in Nashville, Tennessee?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MoreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash—like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreNashville Tennessee car insurance FAQs
What car insurance coverage is recommended in Nashville given the weather conditions?
Nashville experiences mild winters but can have severe storms, so comprehensive coverage is advisable to protect against weather-related damages.
How does Nashville's traffic affect car insurance rates?
Nashville’s growing population and traffic congestion can lead to higher insurance rates due to increased accident risks. Policies with accident forgiveness might be beneficial to avoid premium hikes.
What happens if I don’t have the minimum car insurance coverage required in Nashville?
If you’re caught driving without the required car insurance in Nashville, you may face a $300 fine and have your vehicle towed. Your driver’s license could also be suspended, which will require proof of insurance, passing the driver’s test again, and paying a $65 restoration fee to reinstate both your license and registration. These penalties can quickly add up, so staying insured is the best way to avoid them.
Is Tennessee an at-fault state?
Yes, Tennessee is an at-fault state, which means that in Nashville, if you’re responsible for an accident, you’re required to pay for the damages. This could be done through your car insurance or directly out of pocket.
How can I lower my car insurance premium in Nashville?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Nashville that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Nashville get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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Full Coverage Car Insurance
Let’s break down what it really means to have full coverage car insurance.
What Does Car Insurance Cover?
Get the coverage you need, and hit the road with confidence.