Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Nashville

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Nashville Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

352

Reviewed

217

Curated

15

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
204 S 11th St, Nashville, TN 37206

Why choose this provider?

Lockeland Insurance Advisors is a locally owned and operated car insurance agency in Nashville that offers advice and custom coverage options. The agency serves as a trusted advisor for clients searching for a plan that fits their needs, whether they are looking to cover a new car or purchasing their first home. The agency has access to a wide array of carrier options. The coverage includes homeowners, renters, automobiles, and life and disability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (61)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4331 Old Hickory Blvd Ste D, Old Hickory, TN 37138

Why choose this provider?

Cordell Insurance Agency is located in Old Hickory, Tennessee, and provides comprehensive auto insurance policies in Nashville, the greater middle Tennessee area, and Kentucky. Since 2004, its team of brokers has offered personalized services to customers by finding the right coverage from the different auto insurance companies it represents. Clients praise the agency's prompt service and commitment to finding appropriate coverage easily and responsibly. Cordell protects its clients with insurance policies that cover other vehicles such as trucks, motorcycles, and boats, as well as insurance coverage for businesses and special events.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (79)
Facebook
5.0 / 5 (46)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
21 White Bridge Pike Ste 201, Nashville, TN 37205
  • Multiple Carriers

Why choose this provider?

Tucker Agency offers customized insurance solutions for individuals and businesses in Nashville. It provides auto insurance policies, most of which cover liability, accidents with uninsured or underinsured individuals, rental car reimbursement, medical payments as a result of an accident, protection from vehicle theft and vandalism, and roadside assistance. It also provides other insurance products, such as home and property, specialty commercial auto, business, and life. Tucker Agency is an independent property and casualty agency established in 2018 by Will Tucker.

License Verified:

License: 2391706

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.9 / 5 (34)

Website
432 Bell Road, Nashville, TN 37217
  • Home & Auto Insurance
  • Home Insurance

Why choose this provider?

BTJ Insurance is a car insurance agency that serves clients across Nashville. It helps clients purchase the right insurance coverage that can protect their assets and future from any loss caused by car accidents. It also offers life insurance, which includes disability, critical illness, and long-term care coverage. The agency is affiliated with local contractors and offers a concierge directory to its clients. It also gives back to the community through its current Community Cause program.

License Verified:

License: 6655

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (48)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14625 Lebanon Rd Ste D, Old Hickory, TN 37138

Why choose this provider?

Merit Insurance is an independent insurance agency that helps motorists throughout the Nashville, Tennessee, metro area, by working with many carriers to find policies to meet all coverage needs at a fair and competitive rate. Founded in 2010, the company offers liability insurance with options for medical payments, uninsured and underinsured motorist, and collision and comprehensive auto policies to cover all costs following auto damage. Merit Insurance also provides plans for most modes of transportation, including motorcycles, boats, motor homes, and recreational vehicles, such as ATVs, jet skis, and golf carts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (11)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6213 Charlotte Pike, Nashville, TN 37209

Why choose this provider?

Zander Insurance is a full-service agency that has been providing auto insurance plans with an annual review policy for more than nine decades. This Nashville-based company deals with hundreds of insurance providers on behalf of its customers to avoid the hassle of the application process. It also uses advanced technologies in comparing insurance quotes. Insurance products offered are term life insurance, identity theft protection plan, and disability insurance. It also provides insurance for home and business owners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (243)
Yelp
4.0 / 5 (193)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 S Lowry St, Smyrna, TN 37167

Why choose this provider?

Founded in 1973, Raborn Insurance Agency is an independent agency providing auto insurance services throughout the Nashville, Tennessee, metro area. This agency sells coverage for a wide range of vehicles including motorcycles, ATVs, gulf carts, and other recreational vehicles, motor homes, and antique or special interest cars. It handles a variety of policy types such as senior driver policies available to individuals over the age of 55 and offers umbrella packages to clients who wish to cover more than one liable category in exchange for discount rates. Home and business insurance are other specialty areas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (16)
Google
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
103 Moore Ave Smyrna Tn 37167, Smyrna, TN 37167

Why choose this provider?

Reynolds Insurance Agency Inc. is an insurance agency and broker in Smyrna, Tennessee, that serves the Nashville metropolitan area as a seller of both personal and commercial auto insurance. It offers auto insurance with a rate lock, allowing customers to lock in their rates until they add or remove drivers or vehicles, or move out of the area. The agency also provides special policies for senior drivers and motorcyclists. Reynolds Insurance Agency additionally provides commercial insurance for restaurants, salons and barbers, apartment owners, contractors, managers, and other professionals, as well as personal life and homeowners insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
305 East Trinity Lane, Nashville, TN 37207
  • Boats
  • Motorcyle & ATV
  • Boat Insurance

Why choose this provider?

Langer Insurance Agency is a Tennessee-based car insurance provider catering to families, individuals, and businesses in Nashville. Kelly Wise, its principal agent, is an award-winning insurance expert with multiple Presidential Leadership and Sales Person of the Year awards under her belt. She and her team offer extensive auto insurance policies, providing coverage for liability to others, collision and non-collision accidents, ancillary medical costs, and car rentals. Langer Insurance Agency represents Erie Insurance and offers home, business, and life insurance plans as well.

License Verified:

License: 2376492

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.0 / 5 (15)
Facebook
5.0 / 5 (14)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4525 Harding Rd, Nashville, TN 37205
  • Boats
  • Motorcyle & ATV
  • Home & Auto Insurance

Why choose this provider?

Mills Insurance Agency is an independent agency serving individuals, families, and businesses in Nashville. Established in 2003, it offers a broad range of insurance products, including standard auto insurance. Its agents have access to reputable and financially sound regional and national insurance carriers, allowing them to design a comprehensive protection package for drivers of various backgrounds and risk factors. In addition, Mills Insurance Agency insures other vehicles, such as motorcycles, boats, and ATVs. It represents various carriers such as Erie Insurance and Auto Owners.

License Verified:

License: 2101028

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1894 General George Patton Dr Ste 100, Franklin, TN 37067

Why choose this provider?

Located in Franklin, Elite Insurance is an independent agency serving Tennessee and Kentucky. It combs through the auto insurance policies of multiple carriers to find the right ones for their clients. The agency provides objective and unbiased advice, helps clients understand their policies, and supports them during a claim. Policies typically include collision and comprehensive coverage to meet the costs of an accident or theft and liability to pay the expenses of the other party. Optional additions can include property damage to pay for damage to another person's car and coverage for the client if the other party is uninsured/underinsured.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (26)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2211 Jackson Downs Boulevard, Nashville, TN 37214
  • Multiple Carriers

Why choose this provider?

Harden Insurance is a company that offers auto insurance products and services to vehicle owners in the Nashville metro. The company consists of insurance agents who have 34 years of combined experience in the industry. They provide customized insurance policies suited to the needs of their clients. The owner, Heath Harden, is an insurance agent who has been in the business for 30 years. He runs the company with his wife, Jennifer Harden, who is an insurance agent since 1996.

License Verified:

License: 2331955

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
296 White Bridge Pike, Nashville, TN 37209
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Established in 1995, Varallo Insurance Agency provides auto insurance products to drivers in Nashville. The family-run agency was founded by Tammy Varallo, who started her career in insurance at the age of 15 by working for her father's insurance agency through high school and college. The agency offers coverage through multiple insurance companies such as Safeco and Progressive. Varallo Insurance Agency also offers SR-22 certification and insurance solutions for commercial auto, motorcycles, and boats.

License Verified:

License: 764685

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
––
Detail

Website
2451 Atrium Way, Nashville, TN 37214
  • Boats
  • Motorcyle & ATV

Why choose this provider?

HQ Insurance is a full-service insurance company that caters to the insurance needs of drivers and car owners in Nashville. The firm assists individuals, families, and businesses in attaining financial security for their vehicles with an auto insurance policy. Its independent insurance agents represent a variety of carriers that can provide different coverage options, including liability, comprehensive, collision, medical, and miscellaneous coverages. Other offerings include home, business, life, and health insurance. The company's workforce has more than 50 years of combined experience in the industry.

License Verified:

License: 16573294

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (51)
Facebook
4.8 / 5 (21)
Yelp
2.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
555 Marriott Drive, Nashville, TN 37214
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Choice Insurance Agency, LLC, caters to the insurance needs of individuals, families, and businesses in Nashville. As a multi-insurance firm, it offers a wide variety of insurance products, including standard auto insurance. The company’s professional and experienced agents source a selection of quotes from several suppliers for vehicle owners to choose from based on their specific needs and requirements. This protects them in the event of an automotive emergency. Choice Insurance Agency also provides homeowners', commercial, and product liability insurance.

License Verified:

License: 2397572

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is the average cost of comprehensive car insurance in Nashville, and how does it compare to the state average?

    Full car insurance in Nashville typically costs around $1,370 per year, which is $41 more than the state average of $1,329. Notably, insurance quotes can vary significantly even when the same information is provided to different insurers. This variation emphasizes the importance of comparing offers from multiple local providers to ensure the best value.

  • Is proof of auto insurance required for vehicle registration in Nashville?

    No, Nashville residents who want to register their vehicles are not required to show proof of insurance. However, the state of Tennessee requires drivers to have the minimum required state liability insurance in order to legally operate a vehicle. Failure to meet this insurance requirement makes driving a registered vehicle illegal.

  • What are the consequences in Nashville for driving uninsured or without proof of insurance?

    Tennessee state law requires people to have a certain amount of auto insurance in Nashville, and failure to meet this requirement can result in steep fines and even jail time. Under the state's tort law, offenders may be held liable for actual and monetary damages, as well as emotional anguish. Uninsured motorist property and medical coverage are optional; however, if you have valuable items, getting additional coverage can provide greater financial security.

  • Who is covered by a car insurance policy in Nashville, and is it required to insure teenage family members?

    A standard auto insurance policy in Nashville will typically include a permissive use clause, which protects relatives and acquaintances who occasionally drive your vehicle. A valid driver's license is required. Furthermore, when enrolling in insurance, you are frequently required to include all licensed residents in your home, which includes teenagers. Ensure that your adolescent has the legal authority to drive.

  • In Nashville, how does the fault system work in relation to car accidents, insurance claims, and settlements?

    When a car accident occurs in Nashville, the fault system determines that the at-fault driver or their insurer is responsible for the resulting damages. Typically, victims prioritize insurance options before considering legal action, as insurers frequently have better resources and obligations to cover accident costs. Following the submission of a claim, an insurance evaluator determines the culpability and proposes a settlement or rejects the claim.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.