Comparing rates for affordable auto insurance is not easy, and determining which companies have the best insurance rates for 18 year olds will require even more rate comparisons. Each auto insurer uses slightly different criteria to determine premium rates, so we’ll go over the insurance companies that tend to be cheaper in Nashville, TN.
Best Auto Insurance Prices for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $767 |
| 2 | Auto-Owners | $836 |
| 3 | Cincinnati Insurance | $858 |
| 4 | Penn National | $899 |
| 5 | USAA | $919 |
| 6 | Tennessee Farmers | $933 |
| 7 | Erie | $987 |
| 8 | Nationwide | $1,042 |
| 9 | Allied | $1,060 |
| 10 | Westfield | $1,079 |
| 11 | GEICO | $1,156 |
| 12 | Travelers | $1,165 |
| 13 | Shelter | $1,199 |
| 14 | State Farm | $1,201 |
| 15 | State Auto | $1,204 |
| 16 | The Hartford | $1,208 |
| 17 | Progressive | $1,226 |
| 18 | Direct General | $1,238 |
| 19 | 21st Century | $1,274 |
| 20 | Chubb | $1,329 |
| View More Rates Go | ||
Utica National may offer some of the lowest car insurance rates in Nashville at around $767 a year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also are some of the lowest-priced Nashville, TN auto insurance companies.
As illustrated above, if you currently have a policy with Cincinnati Insurance and switched to Utica National, you could see yearly savings of in the neighborhood of $91. Tennessee drivers with Penn National could save as much as $132 a year, and USAA insureds might lower prices by $152 a year.
To find the cheapest coverage for you, click here or visit several of the following companies.
Be aware that those prices are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for 18 year olds. So the auto insurance company that is best suited for you may not even be in the top 30 companies shown above. That illustrates why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
For teen drivers, one of the largest things that aid in calculating the cost of insurance is where you live in Nashville. More populated areas will most likely pay more, whereas areas with less crime or weather claims tend to receive cheaper rates.
The information below sorts the highest-priced areas in Tennessee for 18 year olds in which to purchase auto insurance. Nashville makes the list at #14 having an annual price of $1,165 on average, which is around $97 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Memphis | $1,460 |
| 2 | Germantown | $1,374 |
| 3 | Bartlett | $1,363 |
| 4 | Collierville | $1,349 |
| 5 | Jackson | $1,266 |
| 6 | Oak Ridge | $1,223 |
| 7 | Columbia | $1,214 |
| 8 | Maryville | $1,208 |
| 9 | Knoxville | $1,194 |
| 10 | Murfreesboro | $1,194 |
| 11 | Smyrna | $1,183 |
| 12 | Brentwood | $1,179 |
| 13 | Spring Hill | $1,169 |
| 14 | Nashville | $1,165 |
| 15 | La Vergne | $1,162 |
| 16 | Clarksville | $1,158 |
| 17 | Hendersonville | $1,158 |
| 18 | Franklin | $1,140 |
| 19 | Cookeville | $1,136 |
| 20 | Gallatin | $1,133 |
| Find Cheaper Insurance Go | ||
Annual rates are approximated as the vehicle garaging location can change coverage rates greatly.
Picking the right company can be rather challenging considering how many choices there are in Nashville. The company information in the lists below may help you decide which companies you want to consider purchasing a policy from. The rankings below are only made up of major nationwide insurance companies, so smaller companies that only insure vehicles in Tennessee are not taken into consideration for the list.
Top 10 Major Auto Insurers in Nashville Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- AAA Insurance
- Titan Insurance
Top 10 Major Auto Insurers in Nashville Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Esurance – A+
- Progressive – A+
- Titan Insurance – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Driving violations and accidents
The easiest way to enjoy the cheapest insurance rates in Tennessee for teen drivers is to drive attentively and not get tickets or have accidents. The example below shows how speeding tickets and fender-benders can affect car insurance costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,419. Factor in two speeding tickets and the average cost surges to $1,960, an increase of $541 each year. Then add in one accident along with the two speeding tickets and the yearly cost of insurance for 18 year olds increases to an average of $2,502. That’s an increase of $1,083, or $90 per month, just for a couple of infractions!
How to find the cheapest car insurance for 18 year olds
Lowering your rates is not difficult, and here are many money-saving suggestions that can help drivers get lower-cost coverage.
- Buy a car with high safety ratings
- Drop full coverage on older vehicles
- Increase deductibles to save money
- Claim-free drivers earn discounts
- Improve your credit score
- Bundle home and auto and earn a discount
- Look for cheaper rates once a year by shopping around
That last idea is especially critical, as we stressed in this write-up. Prices charged by car insurance companies in Nashville adjust frequently, so don’t be unwilling to buy a different policy if you find a better deal.
Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty results in overpaying thousands of dollars over several years. Take a couple minutes and compare rates to find cheaper auto insurance for 18 year olds.