How Much Does Car Insurance Cost in Nashville, TN?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.248 – $3.120
+4% vs national average
$1.248$2.184$3.120
LowNational avg: $2.100High
Nashville vs State & National Average
| Category | Nashville | Tennessee Avg | National Avg |
|---|---|---|---|
| Average cost | $2.184 | $2.180 | $2.100 |
| Low estimate | $1.248 | $1.635 | $1.575 |
| High estimate | $3.120 | $2.834 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $416 | $936 | per year |
| Full coverage | $1.248 | $3.120 | per year |
| Good driver discount | $-208 | $-520 | savings |
| Young driver surcharge | $520 | $2.080 | additional |
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Nashville?
In Nashville, TN, car insurance typically costs between $1.248 and $3.120. The average is $2.184, which is 4% above the national average.
Is Nashville expensive for car insurance?
Nashville has a cost-of-living index of 104 (100 = national average). Car Insurance costs are 4% higher than the national average of $2.100.
What factors affect car insurance costs in Nashville?
Key factors include local labor costs, cost of materials, market competition, Tennessee state regulations, and Nashville's overall cost of living (index: 104/100). Prices can also vary by season and specific requirements.