Nashville drivers face unique urban risks that make strong auto insurance essential. Here’s why: 

• Severe Storms and Flooding: Flash flooding along Whites Creek, Germantown, and North Nashville can cause sudden vehicle damage.
• High Crash Zones: Intersections near Broadway, Charlotte Avenue, and the I-440/I-65 interchange see frequent accidents.
• Uninsured Drivers: Tennessee has some of the highest rates of uninsured drivers in the U.S.
• Auto Theft and Vandalism: Neighborhoods like Madison, Antioch, and parts of South Nashville report higher-than-average vehicle theft rates.
• Construction and Congestion: Ongoing growth in The Gulch, Midtown, and Donelson means frequent detours, debris, and fender benders.

Nashville drivers need to meet the legal requirements set by the state. At minimum, every driver needs liability coverage, which includes: 

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage per accident
• Uninsured/Underinsured motorist coverage (can be removed in writing, but highly recommended)

These are statewide minimums, but it’s often recommended to increase your liability limits. This helps better protect you when more serious or costly accidents happen. 

For more details and definitions on the legal requirements, visit our Tennessee car insurance page. 

Meeting the legal requirements doesn’t always mean you and your vehicle are protected when you’re the at fault driver. Because of this, additional coverage is highly recommended. 

Here’s what’s commonly added to policies: 

• Collision Coverage: Helps pay for damage caused by a covered accident, regardless of fault. Subject to your deductible.
• Comprehensive Coverage: Helps pay for non-collision damage (such as theft or weather) caused by a covered incident. Subject to your deductible.
• Roadside Assistance: Helps pay for the cost of towing if your car becomes undrivable.
• Rental Reimbursement: Helps cover the cost of a rental while your vehicle is being repaired.
• Medical Payments (MedPay): Helps pay for medical expenses caused by a covered accident, regardless of fault.
• Gap Insurance: Coverage for when your vehicle is deemed a total loss and if you still owe. Covers the difference between what you owe and what the vehicle is valued at.
• Rideshare Coverage: Only applicable if you use your personal vehicle for a rideshare service and when you’re on the clock. This may offer more protection than what is provided. Useful for a city like Nashville which may see a high volume of tourists throughout the year.
  • Offered in liability, collision, comprehensive, and medical payment options.

This isn't a full list of available options, and the descriptions are general in nature to give you an idea of what they cover. They may be subject to policy terms.

Goosehead agents work with you to learn your situation and needs to find the best coverage for you.

On average, it costs about $600 for a liability only (the legal minimums) policy in Nashville. Those that have more coverage pay around $2,000 to $2,200 a year, though rates may be as high as $2,500. 

In addition to the carrier you have, and the coverage amount you select; your premium is also based on: 

• Location: Rates may be higher in areas like Antioch, East Nashville, and parts of South Nashville due to higher reports of accidents and theft.
• Driving Record: Your history of accidents and/or violations is considered for your rate.
• Vehicle Type: Certain vehicles are more likely to be targeted for theft, while others may have higher repair costs, making them more expensive to insure.
• Mileage: Your annual milage is taken into consideration.
• Credit Score: Those with higher credit scores may see lower rates.
• Age: Younger drivers, who are less experienced, will see higher rates.

Here are some ways Nashville drivers can reduce the cost of car insurance without cutting coverage: 

• Bundle home, renters, or motorcycle insurance for multi-policy discounts
• Maintain a clean driving record. Some safe driver discounts may be available if you take a defensive driving course.
• Install anti-theft features
• Ask about discounts for safe driving, low mileage, or anti-theft devices
• Use Goosehead to compare rates before renewal while keeping one point of contact for your insurance needs.

At Goosehead, we simplify the process of finding auto insurance in Nashville that fits your life. Here’s why locals trust us: 

• Access to top insurance companies: We make comparisons for you, saving you time and effort.
• Custom Policies: Our agents work with you to find solutions that fit your needs and budget.
• State Expertise: With agents licensed for Tennessee, you can trust that they know what you need to look out for.
• Ongoing Support: Whether you have questions, or need to make changes, our agents make it easy and provide high-quality service at every step.