One of the more important things that determine insurance cost is where you call home. Larger areas are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The following table rates the most expensive cities in Tennessee with multiple speeding tickets to purchase a policy in. Nashville is listed at #7 with an annual cost of $1,213 for the average policyholder, which is about $101 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Memphis | $1,505 |
| 2 | Bartlett | $1,377 |
| 3 | Germantown | $1,374 |
| 4 | Collierville | $1,309 |
| 5 | Jackson | $1,266 |
| 6 | Knoxville | $1,218 |
| 7 | Nashville | $1,213 |
| 8 | Oak Ridge | $1,210 |
| 9 | La Vergne | $1,197 |
| 10 | Clarksville | $1,194 |
| 11 | Columbia | $1,178 |
| 12 | Maryville | $1,172 |
| 13 | Morristown | $1,171 |
| 14 | Spring Hill | $1,169 |
| 15 | Franklin | $1,164 |
| 16 | Smyrna | $1,159 |
| 17 | Hendersonville | $1,158 |
| 18 | Gallatin | $1,155 |
| 19 | Murfreesboro | $1,148 |
| 20 | Cookeville | $1,147 |
| 21 | Brentwood | $1,144 |
| 22 | Cleveland | $1,124 |
| 23 | Chattanooga | $1,115 |
| 24 | Johnson City | $1,041 |
| 25 | Kingsport | $1,037 |
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Premium costs are approximated as specific Nashville zip code can increase or decrease insurance rates substantially.
Determining which company offers the cheapest car insurance rates with multiple speeding tickets requires more time than just quoting one company’s rates.
Every insurance company has their own unique process to determine premium rates, so we’ll take a look at the lowest cost car insurance companies in Nashville, TN. It’s important to understand that Nashville, TN car insurance rates are calculated based on many things that may substantially change the cost of coverage. Improving your credit rating, buying another vehicle, or getting a ticket for careless driving can trigger price changes that can now make some companies cheaper than before.
Best Cheap Insurance Rates with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $744 |
| 2 | Auto-Owners | $827 |
| 3 | Cincinnati Insurance | $884 |
| 4 | USAA | $919 |
| 5 | Tennessee Farmers | $923 |
| 6 | Penn National | $926 |
| 7 | Erie | $987 |
| 8 | Nationwide | $1,002 |
| 9 | Westfield | $1,037 |
| 10 | Allied | $1,060 |
| 11 | GEICO | $1,110 |
| 12 | Progressive | $1,190 |
| 13 | Travelers | $1,201 |
| 14 | State Farm | $1,213 |
| 15 | Shelter | $1,235 |
| 16 | State Auto | $1,241 |
| 17 | The Hartford | $1,245 |
| 18 | Direct General | $1,251 |
| 19 | 21st Century | $1,274 |
| 20 | Chubb | $1,290 |
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Utica National may have some of the most affordable car insurance rates in Nashville at around $744 each year. This is $584 less than the average rate paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, USAA, and Tennessee Farmers would also be considered some of the more affordable Nashville, TN auto insurance companies.
As illustrated above, if you currently have a policy with Auto-Owners and switched to Utica National, you might realize annual savings of around $83. Customers with Cincinnati Insurance may save as much as $140 a year, and USAA policyholders might reduce prices by as much as $175 a year.
To find the cheapest coverage for you, click here to get a free quote or visit any of the low-priced companies below.
Bear in mind that those policy rates are averaged across all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location with multiple speeding tickets. So the car insurance company that fits you best may not even be in the top 30 companies shown above. That’s why you need to quote rates from many companies using your own driver information and specific vehicle type.
The vehicle model requiring insurance is a large factor when shopping for low-cost auto insurance with multiple speeding tickets. Vehicles with high performance features, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The next table presents auto insurance premiums for a selection of the most economical automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Edge SE 2WD | $1,604 |
| Ford Escape XLS 2WD | $1,614 |
| Toyota Prius | $1,623 |
| Ford Explorer Eddie Bauer 2WD | $1,636 |
| Honda Accord EX 4-Dr Sedan | $1,696 |
| Honda CR-V EX-L 4WD | $1,735 |
| Ford F-150 Lariat Super Cab 4WD | $1,765 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,781 |
| Toyota Corolla LE | $1,825 |
| Ford Fusion SEL 4-Dr Sedan | $1,859 |
| Volkswagen Jetta 2.0T Station Wagon | $1,894 |
| Dodge Grand Caravan CV | $1,896 |
| Chevrolet Equinox LT AWD | $1,912 |
| Toyota Tacoma Double Cab 4WD | $1,946 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,978 |
| GMC Sierra Denali Crew Cab 4WD | $1,985 |
| Chevrolet Malibu Hybrid | $2,006 |
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Prices based on single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise rates greatly.
Based upon these rates, we can presume that vehicles like the Ford Edge, Ford Escape, and Toyota Prius are likely to be a few of the cheaper vehicles to insure after a few driving violations.
Violations and accidents raise rates
A great way to receive low car insurance prices in Nashville after a few driving violations is to be a safe driver and avoid accidents and traffic violations. The information below demonstrates how citations and at-fault accidents increase car insurance rates for different insured age categories. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy in Tennessee per year with no accidents or violations is $1,174. Get written up for one speeding ticket and the average cost jumps to $1,367, an increase of $193 each year. Now add two accidents along with the one speeding ticket and the annual cost of car insurance with multiple speeding tickets jumps again to an average of $3,023. That’s an increase of $1,849, or $154 per month, just for not driving attentively!
The illustration below illustrates how your choice of deductibles can raise or lower insurance prices when trying to find cheap insurance with multiple speeding tickets. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could pocket $224 a year by increasing from a $100 deductible to a $500 deductible, or save $340 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, have the ability to save up to $670 each year just by using higher deductibles. When choosing a higher deductible, it’s a good idea to have plenty of savings on hand to pay the extra out-of-pocket expense that comes with higher deductibles.
How to get discounts on Nashville insurance rates
Auto insurance companies that offer cheap quotes with multiple speeding tickets may additionally offer rate discounts that can lower rates by 30% or more if you meet eligibility requirements. A few of the larger companies and a summarized list of policyholder discounts are:
- Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, online signing, continuous coverage, and homeowner.
- GEICO includes discounts for air bags, anti-theft, emergency military deployment, five-year accident-free, and multi-vehicle.
- State Farm may offer discounts for safe vehicle, good student, multiple autos, Steer Clear safe driver discount, student away at school, and anti-theft.
- Esurance offers discounts for good driver, homeowner, renters, claim free, online quote, and safety device.
- The Hartford discounts include air bag, bundle, defensive driver, anti-theft, good student, driver training, and vehicle fuel type.
The illustration below illustrates the difference between insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no accidents and one citation, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, homeowner, multiple policy, passive restraint, marriage, and vehicle safety discounts applied. When discounts are factored in, theaverage amount saved on car insurance with multiple speeding tickets is 28% or $473.
The agents below can probably help you make a decision which car insurance policy is best, since some people prefer to have a professional recommendation when shopping for the best coverage with multiple speeding tickets. It can be challenging to find the best policy on your own, so insurance agents can give you peace of mind knowing you have adequate protection. To find a Nashville insurance agent by location nearest to you, click the button at the bottom of the list.
- Allstate Insurance: Fred J. Duke Jr.
171 Belle Forest Cir – Nashville, TN 37221 – (615) 662-1884 - Lester McClain – State Farm Insurance Agent
2209 Crestmoor Rd #200 – Nashville, TN 37215 – (615) 383-0449 - Ray Watts – State Farm Insurance Agent
4703 Gallatin Pike – Nashville, TN 37216 – (615) 228-1338 - Roy Arnold – State Farm Insurance Agent
2600 Lebanon Pike a – Nashville, TN 37214 – (615) 871-0663 - Spann Agency
710 Thompson Ln – Nashville, TN 37204 – (615) 383-8000