Nashville car insurance
Root car insurance is making auto insurance fair by basing your rate primarily on how safe you are behind the wheel and not your demographics.
Nashville is known for the Music Row district, Nashville-style hot chicken, and the Country Music Hall of Fame. With the high number of uninsured drivers bumping up auto insurance rates in Nashville, it’s especially important for locals to work with an auto insurance company that rewards good driving.
Most traditional insurers base their insurance rates on demographics including your age, gender, marital status, and ZIP code. Since demographics don’t indicate your actual risk as a driver, doesn’t it make sense to look for an auto insurance company in Nashville that offers lower rates for responsible drivers?
Get your car insurance in Nashville
Need auto insurance in Nashville? The good news is that you can start your quote in just minutes. Then, complete the test drive (just by driving around like you normally would) to get a quote. The Root app will measure your driving and if you drive safely, you could get a lower rate.
Root’s simple, intuitive mobile app makes it easy to get a quote. And with a Root policy, you can manage coverage, claims, and access important documents all from your phone.
Nashville auto insurance coverage
If you own a car and drive in Tennessee, you're required to purchase auto insurance and meet certain minimum coverage amounts. Tennessee requires that all drivers purchase auto insurance with Liability coverage from a company authorized to do business in the state of Tennessee. Minimum coverage requirements include:
$25,000 for Bodily Injury (per person)
$50,000 for Bodily Injury (per accident – multiple people injured)
$15,000 for Property Damage
You may want to consider purchasing more than the absolute minimum amount of coverage—while it may raise your monthly premium, higher coverage levels mean that you’re better protected in the event of an accident.
While Tennessee doesn’t have any requirements concerning Comprehensive, Collision, or other coverages, consider how much you could afford to pay for repairs if your car was damaged. Purchasing additional insurance coverage can save you a significant amount of money if you get into an accident or if something happens to your car. For example, Collision insurance can help you pay for repair costs after a fender bender, and Comprehensive insurance can help you save money if an expensive part is stolen from your car. Types of additional insurance coverage you should consider include:
Roadside Assistance (comes standard with every Root policy, except in California)
If you’re stopped for a traffic violation or after an accident, Tennessee requires that you provide proof of insurance. The good news is that Tennessee accepts evidence of insurance presented on a cell phone, so you can pull up your insurance cards quickly and easily in Root’s mobile app.
Nashville car insurance cost and quote
The average driver in Tennessee pays $1,206 per year for car insurance. But like major cities across the country, Nashville insurance costs are often much higher than the rest of the state.
While auto insurance rates are often high in Nashville, that doesn’t have to be the case. Instead of basing rates on things like where you live, how old you are, or your credit score, Root primarily bases auto insurance rates on how safely customers drive. This means that you can potentially unlock much lower rates with Root than with other auto insurance companies just by being a safe and responsible driver.
Just download the Root app, hop in the car, and complete the test drive in order to get a quote and see how much you could save. Root’s sophisticated app will keep track of your driving behavior and assign a score based on how you drive. If you like your quote, you can customize your coverage and finalize your policy details all from your phone. It’s also easy and convenient to submit claims and manage your policy details using the Root app.
By basing your rate primarily on your safe driving habits, Root could save you up to $900 a year on car insurance. Get a quote.