This article would sure be shorter if we could simply tell you the one auto insurance company that has the cheapest rates in Tennessee. Unfortunately, it’s not that simple as there are a ton of unknown factors such as what deductibles you want to use, the likelihood of vehicle theft where you live, and when you were born, that all help calculate your car insurance rates. We will try to cover the best ways to save money and also should give you a good beginning to your search for cheaper coverage.
The type of vehicle requiring coverage is probably the largest consideration when comparing the lowest-priced auto insurance for state employees. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models. The next list illustrates insurance costs for some of the more affordable vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,170 |
| Dodge Grand Caravan CV | $1,198 |
| Honda CR-V EX 2WD | $1,207 |
| Chevrolet Impala LS | $1,242 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,265 |
| Ford F-150 XL Super Cab 2WD | $1,284 |
| Toyota Prius | $1,300 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,335 |
| GMC Sierra SLE Regular Cab 2WD | $1,386 |
| Toyota Tacoma Double Cab 4WD | $1,414 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,417 |
| Chevrolet Equinox LS AWD | $1,423 |
| Chevrolet Malibu Hybrid | $1,432 |
| Toyota RAV4 Limited 4WD | $1,423 |
| Ford Fusion S 4-Dr Sedan | $1,432 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,449 |
| Ford Explorer Limited 2WD | $1,456 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in vehicle location which can revise coverage rates substantially.
Based upon these rates, you can expect vehicles like the Ford Escape, Dodge Grand Caravan, Honda CR-V, Chevrolet Impala, and Chevrolet Silverado will definitely be some of the less-costly vehicles to insure for state workers.
Deciding which companies have the best auto insurance rates for state employees calls for more work in order to find the lowest price. Each insurance company has a different process to establish rates, so we will examine the most budget-friendly auto insurance companies in Nashville.
It’s a good idea to be aware that Nashville, TN auto insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Simply turning a year older, filing a claim, or getting a ticket for careless driving may generate price changes resulting in some rates now being cheaper than others.
Best Cheap Insurance Rates in Tennessee
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $737 |
| 2 | Cincinnati Insurance | $850 |
| 3 | Auto-Owners | $861 |
| 4 | Penn National | $908 |
| 5 | USAA | $919 |
| 6 | Tennessee Farmers | $923 |
| 7 | Erie | $967 |
| 8 | Allied | $1,018 |
| 9 | Nationwide | $1,032 |
| 10 | Westfield | $1,079 |
| 11 | GEICO | $1,122 |
| 12 | State Farm | $1,177 |
| 13 | Shelter | $1,187 |
| 14 | Travelers | $1,201 |
| 15 | The Hartford | $1,208 |
| 16 | Direct General | $1,214 |
| 17 | Progressive | $1,214 |
| 18 | State Auto | $1,217 |
| 19 | 21st Century | $1,261 |
| 20 | Chubb | $1,290 |
| Find Your Rate Go | ||
Utica National normally has some of the lowest car insurance rates in Nashville at around $737 each year. This is $591 less than the average policy premium paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, Penn National, and USAA would also be considered some of the cheaper Nashville, TN auto insurance companies.
As depicted above, if you buy coverage from Penn National and switched to Cincinnati Insurance, you might realize a yearly savings of in the neighborhood of $58. Policyholders with USAA could save as much as $69 a year, and Tennessee Farmers insureds might realize rate reductions of up to $73 a year.
To get a fast rate comparison, click here or visit several of the following companies.
Remember that these premium estimates are averages for all drivers and vehicles in Tennessee and do not factor in an exact zip code location for state employees. So the company that can offer the best rates for your situation may not even be in the top 30 companies in the list above. That emphasizes why you need to get rate quotes using your own driver information and specific vehicle type.
Should you buy full coverage?
Reducing the cost of auto insurance is the goal of most people, and one common way to buy cheaper insurance for state employees is to only buy liability insurance. The illustration below illustrates the comparison of auto insurance costs with and without physical damage coverage. Data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.
If we average the cost for ages 20 through 70, full coverage on your policy costs $1,847 per year more than just insuring for liability. That is a large expense and it proposes the question if full coverage is worth the money. There is no written rule that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
Auto insurance company ratings
Ending up with a high-quality company can be rather challenging considering how many companies are available to choose from in Nashville. The ranking information in the next section may help you pick which insurers to look at shopping your coverage with. The ratings below only include companies that write coverage in many states, so smaller companies that only insure vehicles in Tennessee are not included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discount Nashville car insurance
Auto insurance companies that offer quotes for state employees may provide special discounts that can reduce rates by 40% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts are outlined below.
- State Farm offers premium reductions for defensive driving training, safe vehicle, driver’s education, Steer Clear safe driver discount, anti-theft, and accident-free.
- Esurance offers discounts including good driver, online quote, multi-car, online shopper, and Pac-12 alumni.
- Progressive may include discounts for multi-vehicle, multi-policy, continuous coverage, online quote discount, online signing, and homeowner.
- Liberty Mutual offers discounts for multi-car, new vehicle discount, exclusive group savings, new move discount, and preferred payment discount.
- Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, safe driver, anti-theft, multiple vehicles, multi-policy, and student away at school.
- GEICO may have discounts that include good student, anti-lock brakes, air bags, federal employee, defensive driver, and membership and employees.
The chart below visualizes the comparison of car insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or violations, Tennessee state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, multiple policy, defensive driving course, homeowner, vehicle safety, and accident-free discounts applied. With discounts applied, the average amount saved each year on auto insurance for state employees is 28% or $432.