The make and model of vehicle on the policy is a large factor that determines whether or not you can buy affordable car insurance for drivers with a DUI. Vehicles with lots of horsepower, a lack of modern safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models.
The next table outlines insurance rates for a handful of the cheapest vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,295 |
| Honda CR-V LX 2WD | $1,372 |
| Hyundai Elantra SE Touring Station Wagon | $1,408 |
| Ford Edge SEL 2WD | $1,501 |
| Toyota RAV4 Sport 4WD | $1,531 |
| Toyota Tacoma Double Cab 4WD | $1,538 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,538 |
| Toyota Prius | $1,563 |
| Honda Odyssey EX | $1,592 |
| Ford Focus S 4-Dr Sedan | $1,600 |
| Honda Civic DX 4-Dr Sedan | $1,592 |
| Chevrolet Impala LT | $1,626 |
| Toyota Camry LE | $1,634 |
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Data assumes married male 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. Estimates do not factor in Nashville, TN location which can lower or raise insurance rates noticeably.
Looking at the data, you can see that models like the Ford Escape, Honda CR-V, Hyundai Elantra, and Ford Edge will be a few of the most economical vehicles to insure after getting a DUI. The price for car insurance will tend to be more expensive anyway because of the fact that there is more exposure for drivers with a DUI, but overall those models will most likely have the cheapest rates available.
Comparing quotes for cost effective car insurance is easier said than done, and figuring out which companies quote the cheapest auto insurance rates for drivers with a DUI will involve even more shopping around. Every insurance provider has a different process for determining prices, so let’s begin by examining the auto insurance companies with the overall cheapest rates in Nashville.
Best Insurance Companies after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $744 |
| 2 | Cincinnati Insurance | $858 |
| 3 | Auto-Owners | $861 |
| 4 | Penn National | $908 |
| 5 | USAA | $929 |
| 6 | Tennessee Farmers | $933 |
| 7 | Erie | $957 |
| 8 | Nationwide | $1,012 |
| 9 | Allied | $1,029 |
| 10 | Westfield | $1,047 |
| 11 | GEICO | $1,110 |
| 12 | State Farm | $1,165 |
| 13 | Travelers | $1,165 |
| 14 | Shelter | $1,187 |
| 15 | State Auto | $1,204 |
| 16 | Progressive | $1,214 |
| 17 | Direct General | $1,214 |
| 18 | The Hartford | $1,245 |
| 19 | Chubb | $1,277 |
| 20 | 21st Century | $1,300 |
| View More Rates Go | ||
Utica National offers some of the lowest car insurance rates in Nashville at around $744 a year. Cincinnati Insurance, Auto-Owners, Penn National, and USAA are also some of the more affordable Nashville, TN car insurance companies.
As shown above, if you are currently insured with Penn National and switched to Utica National, you could realize an annual premium reduction of in the neighborhood of $164. Policyholders with USAA may save as much as $185 a year, and Tennessee Farmers customers might reduce prices by as much as $189 a year.
If you want to find out if you’re overpaying, click here to begin a quote or feel free to get quotes from the companies below.
Remember that these premium estimates are averaged for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for drivers with a DUI. So the company that can offer the best rates for your situation may not even be in the list above. That’s why you need to quote rates from many companies using your own driver and vehicle profiles.
Safe drivers pay cheaper rates
A great way to score low auto insurance rates in Tennessee after getting a DUI is to drive cautiously and avoid traffic citations and accidents. The information below shows how traffic citations and accidents can impact premium costs for different categories of driver ages. The rates are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.
In the example above, the average cost of car insurance in Nashville per year with a clean driving record and no accidents is $1,438. Get one speeding ticket and the average cost hikes up to $1,648, an increase of $211 each year. Now include one accident along with the one speeding ticket and the yearly cost of auto insurance for drivers with a DUI jumps again to an average of $2,243. That’s an increase of $805, or $67 per month, just for a couple of infractions!
How to get discounts on Nashville insurance rates
Insurance companies that sell policies for drivers with a DUI may also provide discounts that may potentially lower prices by as much as 35% or more if you are eligible for them. Companies and a selection of discounts are outlined below.
- 21st Century may have discounts that include 55 and older, air bags, anti-lock brakes, teen driver, defensive driver, student driver, and driver training.
- Progressive offers premium reductions for online quote discount, online signing, continuous coverage, good student, multi-policy, and homeowner.
- State Farm may offer discounts for anti-theft, safe vehicle, Drive Safe & Save, passive restraint, and good driver.
- Nationwide has discounts for easy pay, anti-theft, accident-free, multi-policy, family plan, and defensive driving.
- Esurance has savings for emergency road assistance, good driver, paid-in-full, renters, Pac-12 alumni, and homeowner.
- The Hartford may include discounts for defensive driver, driver training, vehicle fuel type, air bag, anti-theft, good student, and bundle.
The diagram below illustrates the difference between annual premium costs with and without discounts applied to the rates. The rate quotes are based on a female driver, three violations and no accidents, Tennessee state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, marriage, vehicle safety, homeowner, continuous coverage, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for drivers with a DUI is 28% or $680.
The Nashville, TN, insurance agents below are willing to help you decide which insurance coverage will be best for you, as lots of people like to have the advice of a professional agent when comparing insurance rates for drivers with a DUI. It’s not always easy to do it yourself, so insurance agents can give satisfaction knowing your policy gives you adequate coverage if you have an accident or claim.
To find a Nashville insurance agent close to you, click the button link following the list or click here to compare rates now.
- Hale Insurance, LLC
301 29th Ave N – Nashville, TN 37203 – (615) 321-4150 - Robins Insurance Agency, Inc.
30 Burton Hills Blvd #300 – Nashville, TN 37215 – (615) 665-9200 - MJC Insurance Group
1506 Church St Suite 2 – Nashville, TN 37203 – (615) 873-1988 - Eric Jans Insurance Agency
1805 Ordway Pl – Nashville, TN 37206 – (615) 478-7146
View more Nashville, TN insurance agencies
How to find economical auto insurance for drivers with a DUI
Here are some of the better thrifty suggestions that can help Nashville drivers get lower-cost coverage.
- Drive attentively and avoid accidents
- Home or renters coverage can save on auto insurance
- Buy vehicles with good safety ratings
- Tickets and violations raise rates
- Try to pay small claims out-of-pocket
- Check for cheaper rates once a year
The last idea is particularly crucial, as we discussed in this write-up. Prices charged by companies can change considerably based on profitability, so you should be ready to buy a different policy if a lower price can be found.
Brand loyalty is not necessarily bad, but it’s not a good idea if that faithfulness ends up costing you a small fortune year after year. If you have a few minutes, compare rates to find cheaper insurance for drivers with a DUI in Nashville.