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Get Cheap Car Insurance in Fisk-Meharry, Nashville, TN

We monitor insurance prices, helping the average driver in Fisk-Meharry save up to 31.8% on car insurance.

 

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The Cheapest Minimum Coverage in Fisk-Meharry

The chart below shows the cheapest car insurance company in Fisk-Meharry for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Farmers Insurance, and Safeco Insurance.

 
Fisk-Meharry Insurer Monthly Cost
State Farm $59
Geico $65
Farmers Insurance $67
Safeco Insurance $67

Savings for Every Kind of Fisk-Meharry Driver

The table shows how much the average auto insurance customer in Fisk-Meharry might save by following our recommendations.

Based on our extensive insurance data, we know the average Fisk-Meharry driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $400 per year by choosing the right vehicle insurance company. Some Fisk-Meharry residents are paying out over $1,566 extra every year for auto insurance in Fisk-Meharry. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Fisk-Meharry Car Insurance vs. Nashville

People living in Fisk-Meharry pay an average of 13.58% more than the typical driver in the state. The average driver in Fisk-Meharry can expect to pay about $986 per year, or $1,566 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Fisk-Meharry for most people.

Car Insurance Prices by Fisk-Meharry Neighborhood

Fisk-Meharry, Nashville, TN map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Fisk-Meharry?

The map shows insurance prices in and around Fisk-Meharry, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $183 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,714 to a low of $1,531. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Fisk-Meharry.

Pick the Best Car Insurance Company for You in Fisk-Meharry

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Fisk-Meharry insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Fisk-Meharry

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $400 over the average Fisk-Meharry car insurance company.

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We use the average good driver, paying $97 per month, as our baseline for pricing in Fisk-Meharry. Auto-Owners Insurance, Novo, and Elephant are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Fisk-Meharry drivers with accidents on their records

In Fisk-Meharry getting into an accident will raise premiums an average 41% for a yearly cost of $2,671. That's $1,105 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Novo, and Elephant are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $721 over the competition.

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The best car insurance company for Fisk-Meharry drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $533 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Fisk-Meharry, tickets raise premiums on new quotes about $729. If you have a speeding ticket, we recommend State Farm, Novo, and Elephant for savings that beat the average insurance cost of $2,295 per year.

The best auto insurance for Fisk-Meharry drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,444 per year in auto insurance premiums, which was $878 more than a driver with no major issues. State Farm, Progressive, and Novo penalized their customers the least for a DUI.

Getting a quote from Novo may cost the average person with a DUI about $610 less each year.

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The least expensive car insurance company for new and young drivers in Fisk-Meharry

In Fisk-Meharry, State Farm costs young drivers $1,571 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 72% more for insurance than more mature drivers in Fisk-Meharry. With an average cost of $5,505 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Fisk-Meharry

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $124. State Farm, Geico, and Progressive provided the largest discounts to couples living in Fisk-Meharry.

State Farm gave the largest car insurance discounts to married couples, averaging $378 saved each year compared to an average Fisk-Meharry couple's premiums.

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The cheapest car insurance in Fisk-Meharry for drivers with bad credit

People with poor credit saved an average of $654 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $934 every year. Premiums for people with poor credit were about $2,500 in Fisk-Meharry. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farmers Insurance, and Safeco Insurance.

The best Fisk-Meharry car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Fisk-Meharry, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Fisk-Meharry.

Nationwide was the best company for customer service in Fisk-Meharry according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Fisk-Meharry, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Fisk-Meharry. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Fisk-Meharry

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 75% of Fisk-Meharry residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fisk-Meharry driver can expect to pay about $95 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fisk-Meharry, USAA has the best prices for married couples, good drivers, drivers with accidents, drivers with bad credit, drivers with a DUI conviction, drivers with speeding tickets, and young drivers.
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Auto Insurance Prices in and Around Fisk-Meharry

What Influences the Cost of Car Insurance in Fisk-Meharry?

On average, car insurance in Fisk-Meharry is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Fisk-Meharry is 23 minutes, which is far less than average for a driver in the city.
  • Tennessee state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Fisk-Meharry are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Fisk-Meharry is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Fisk-Meharry is $82 per month for minimum coverage and $131 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Fisk-Meharry driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Fisk-Meharry with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.