Davidson County Auto Insurance Rates, Quotes, Agents & Reviews in TN

Davidson County, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Davidson County, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Davidson County, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Davidson County, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Davidson County, TN with that of other cities in and around Davidson County.

Davidson County Brentwood Belle Meade Nashville-Davidson Oak Hill Berry Hill
Average Insurance Rates $1,176 $1,056 $2,586 $1,494 $1,880 $1,500

Davidson County, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Davidson County, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Davidson County $957 $808
Nashville-Davidson $1,845 $1,558
Berry Hill $1,601 $1,352
Belle Meade $2,454 $2,073
Oak Hill $1,080 $913
Forest Hills $2,864 $2,419
Brentwood $1,988 $1,679
Goodlettsville $1,443 $1,219

Davidson County, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Davidson County, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,816
20 Years $1,511
30 Years $1,164
40 Years $1,120
50 Years $1,037
60 Years $1,051
70 Years $1,224

Davidson County, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Davidson County, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,046 $306
3 Vehicles $3,069 $459
4 Vehicles $4,092 $612

Savings on 2 Vehicles bundle:$306

Savings on 3 Vehicles bundle:$459

Savings on 4 Vehicles bundle:$612


Davidson County, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Davidson County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Davidson County $1,176 $2,107
Nashville-Davidson $1,494 $2,676
Berry Hill $1,500 $2,687
Belle Meade $2,586 $4,633
Oak Hill $1,880 $3,368
Forest Hills $2,080 $3,726
Brentwood $1,056 $1,892
Goodlettsville $1,498 $2,684

Davidson County, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,009
Excellent (740-799) $1,152
Good (670-739) $1,225
Average (580-669) $1,599
Poor (300-579) $1,918

Davidson County, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$52 $1,228
Driver's Failure In Showing Documents +$114 $1,290
Driving With An Expired Registration +$121 $1,297
Driving At A Considerably Slow Pace +$255 $1,431
Using A Cellphone While Driving +$269 $1,445
Running A Red Light +$274 $1,450
Speeding +$288 $1,464
Driving A Vehicle Without The Required Permission +$366 $1,542
Driving With An Expired/Suspended License +$793 $1,969

Davidson County, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,129
Active Disabling Device $1,129
Tracking Device $1,105
Passive Disabling Device $1,094