Life would sure be easier if we could just give you the name of the exact car insurance company that has the best insurance prices in Tennessee. It’s not quite that easy, unfortunately, as there are a lot of unknown aspects such as your marital status, where you live, if you currently have coverage, and if you are a homeowner or renter, that all impact the cost of your policy. We will attempt to cover the best ways to compare rates and will give you a good start in finding the cheapest car insurance.
Comparing rates for low-cost auto insurance is not the easiest thing to do, and figuring out which company has the most affordable car insurance rates for felons will involve a little more work. Every insurance provider uses a little different formula to establish rates, so we’ll go over the car insurance companies with the overall best prices in Tennessee.
Lowest Insurance Price Quotes for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $744 |
| 2 | Auto-Owners | $861 |
| 3 | Cincinnati Insurance | $884 |
| 4 | Penn National | $908 |
| 5 | Tennessee Farmers | $933 |
| 6 | Erie | $957 |
| 7 | USAA | $957 |
| 8 | Nationwide | $1,012 |
| 9 | Allied | $1,029 |
| 10 | Westfield | $1,047 |
| 11 | GEICO | $1,110 |
| 12 | Progressive | $1,190 |
| 13 | Shelter | $1,199 |
| 14 | The Hartford | $1,208 |
| 15 | Travelers | $1,213 |
| 16 | State Farm | $1,213 |
| 17 | Direct General | $1,251 |
| 18 | State Auto | $1,254 |
| 19 | 21st Century | $1,313 |
| 20 | Chubb | $1,316 |
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Utica National has some of the most affordable car insurance rates in Nashville at around $744 annually. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also make the cut as some of the most economical Nashville, TN car insurance companies.
As shown in the rates above, if you are currently insured with Cincinnati Insurance and switched to Utica National, you might see annual savings of in the neighborhood of $140. Policyholders with Penn National may save as much as $164 a year, and Tennessee Farmers policyholders might reduce prices by as much as $189 a year.
It’s important to note that these premiums are averages for all types of drivers and the different vehicles they drive and do not factor in an exact vehicle garaging location for felons. So the company that has the cheapest price for you may not even be in the list above. That’s why you need to compare prices as often as possible using your own specific driver information and vehicle.
The vehicle requiring insurance is a large consideration when shopping around for the best insurance for felons. Vehicles with lots of speed or power, a lack of advanced safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models. The table below presents car insurance rates for the most economical vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,102 |
| Honda Accord EX-L 4-Dr Sedan | $1,196 |
| Ford Escape XLS 4WD | $1,244 |
| Ford Edge SE AWD | $1,279 |
| Chevrolet Equinox LT AWD | $1,303 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,322 |
| Honda Civic EX 4-Dr Sedan | $1,348 |
| Toyota Tacoma 4WD | $1,353 |
| Toyota Prius | $1,376 |
| Nissan Rogue S 2WD | $1,397 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,421 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,426 |
| Chevrolet Impala LT | $1,435 |
| Jeep Grand Cherokee Laredo 4WD | $1,426 |
| Dodge Grand Caravan Hero | $1,434 |
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in vehicle garaging location which can revise auto insurance rates greatly.
Based upon the table data, you can assume that makes and models like the Honda CR-V, Honda Accord, Ford Escape, and Ford Edge are most likely going to be some of the most budget-friendly vehicles to insure for felons.
For felons, one of the largest considerations that are looked at to determine the annual cost of car insurance is where you live in Nashville. Regions with larger populations or more claims likely pay more, whereas areas that tend to be more rural can boast about having cheaper rates.
The information below rates the most expensive places in Tennessee for felons in which to purchase auto insurance. Nashville makes the list at #18 with an annual premium of $1,165 for the average insured, which is about $97 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Memphis | $1,460 |
| 2 | Germantown | $1,374 |
| 3 | Bartlett | $1,363 |
| 4 | Collierville | $1,363 |
| 5 | Jackson | $1,266 |
| 6 | Oak Ridge | $1,247 |
| 7 | Knoxville | $1,218 |
| 8 | Columbia | $1,214 |
| 9 | Maryville | $1,208 |
| 10 | Spring Hill | $1,205 |
| 11 | La Vergne | $1,197 |
| 12 | Clarksville | $1,194 |
| 13 | Smyrna | $1,194 |
| 14 | Murfreesboro | $1,183 |
| 15 | Cookeville | $1,182 |
| 16 | Brentwood | $1,168 |
| 17 | Gallatin | $1,167 |
| 18 | Nashville | $1,165 |
| 19 | Hendersonville | $1,158 |
| 20 | Chattanooga | $1,149 |
| 21 | Franklin | $1,129 |
| 22 | Morristown | $1,125 |
| 23 | Cleveland | $1,124 |
| 24 | Johnson City | $1,073 |
| 25 | Kingsport | $1,037 |
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Premium amounts are approximated as vehicle location can decrease or increase coverage rates noticeably.
The example below demonstrates how choosing different deductibles can impact insurance premiums when trying to find cheap insurance for felons. The information is based on a married male driver, comp and collision included, and no discounts are applied to the premium.
A 40-year-old driver could save $240 a year by changing from a $100 deductible to a $500 deductible, or save $364 by using a $1,000 deductible. Younger drivers, like the 20-year-old, can save as much as $804 annually just by using higher deductibles. When raising deductibles, it is important to have plenty of money set aside to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Drive responsibly or pay higher rates
The common sense way to enjoy the cheapest car insurance rates for felons is to drive carefully and avoid accidents and keep your driving record clean. The example below highlights how speeding tickets and at-fault fender-benders can drive up annual premium costs for different age categories. The costs are based on a married male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of auto insurance per year with no violations or accidents is $1,763. Receive two speeding tickets and the average cost rises to $2,435, an increase of $672 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of car insurance for felons increases to an average of $3,112. That’s an increase of $1,349, or $112 per month, just for not being more responsible behind the wheel!
Discount Nashville insurance rates
Insurance providers that offer quotes for felons may also give you rate discounts that could lower prices by as much as 35% if you are eligible. Larger car insurance companies and some of the discounts are detailed below.
- Travelers offers discounts including IntelliDrive, multi-policy, hybrid/electric vehicle, save driver, continuous insurance, home ownership, and student away at school.
- 21st Century may offer discounts for automatic seat belts, early bird, teen driver, defensive driver, and anti-lock brakes.
- State Farm includes discounts for anti-theft, good driver, accident-free, good student, and multiple policy.
- GEICO may have discounts that include anti-lock brakes, good student, air bags, federal employee, and seat belt use.
- SAFECO may include discounts for anti-theft, homeowner, teen safe driver, teen safety rewards, drive less, and bundle discounts.
- AAA discounts include pay-in-full, good student, multi-policy, good driver, AAA membership discount, and education and occupation.
The illustration below compares auto insurance rates with and without discounts applied to the premium. Data assumes a male driver, no accidents or driving violations, Tennessee state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, marriage, multiple policy, safe-driver, multiple vehicle, and homeowner discounts applied. When these discounts are applied, theaverage amount saved on car insurance for felons is 28% or $377.
Low rates today, overpriced tomorrow
Tennessee car insurance rates are based on many factors which can substantially decrease or increase the cost of having a policy. Turning one year older, getting married, or having an at-fault accident can produce rate changes resulting in some companies being affordable when they were higher priced.
And not only may your rating factors change, but companies file new rates as often as every quarter in order to be able to pay unexpected claims. A period of increased losses can cause more expensive prices, while a profitable period may result in more affordable Nashville car insurance rates.
To illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Nashville, TN for a 40-year-old female driver with no accidents or violations, and a good credit history. When comparing rates based on her personal profile, Utica National offers the most affordable car insurance rates in Nashville at $907 per year. This is $421 less than the average price paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA round out the rest of the top five cheapest Nashville, TN auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates a claim surcharge, a lower credit rating, and a traffic citation. Because every insurance company has a unique formula for determining rates, comparing rates may now present a substantially altered list of companies as shown below.
Erie now has the best price on car insurance in Nashville, TN with Nationwide, Westfield, Allied, and GEICO now being in the top five. This example proves why it is important to compare lots of rates when trying to find the best car insurance quotes for felons.
Insurance prices are calculated by many different factors and can change substantially, so the lowest-price company the last time you compared rates may now be one of the more expensive options.