Nationwide Auto Insurance in Tennessee
Nationwide is the 8th-largest U.S. auto carrier with a mid-sized footprint and SmartRide telematics. It's also a major Member-owned cooperative offering both direct and agent channels. Here's what Nationwide typically costs in Tennessee for 2026 — plus the 3 cheaper alternatives most Tennessee drivers overlook.
Estimated annual premium
$1,400
Estimated monthly
$117
Tennessee state avg
$1,525
vs Tennessee avg
-8%
Why drivers pick Nationwide
On Your Side Review program — a structured annual review with an agent to find unused discounts. SmartMiles pay-per-mile option for low-mileage drivers.
Where Nationwide falls short
Coverage gaps in some western states; SmartMiles is unavailable in several states (CA, NC, NY).
Tennessee minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $15K
Memphis and Nashville pay roughly 25% more than rural Tennessee.
Cheaper alternatives to Nationwide in Tennessee
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Nationwide for a comparable driver profile in Tennessee. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Nationwide discounts available to Tennessee drivers
Nationwide Tennessee rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Nationwide Tennessee estimate for each class:
Nationwide Tennessee rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Nationwide Tennessee estimate for each profile:
Frequently asked questions
How much does Nationwide auto insurance cost in Tennessee?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Nationwide in Tennessee runs about $1,400/year (~$117/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Nationwide cheaper than other carriers in Tennessee?
Yes — Nationwide typically runs about 8% below the Tennessee state average ($1,525/year for all carriers combined). The cheaper alternatives in Tennessee are typically USAA, GEICO, Erie. Whether Nationwide is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Tennessee minimum coverage requirements?
Tennessee requires at least 25/50 thousand in bodily-injury liability per person/per accident and $15K in property-damage liability. Tennessee is not a no-fault state, so PIP is optional but recommended for added medical coverage. Memphis and Nashville pay roughly 25% more than rural Tennessee.
Does Nationwide offer discounts to Tennessee drivers?
Nationwide offers 5+ discounts that Tennessee drivers can stack: SmartRide (telematics), SmartMiles (per-mile), Multi-policy, Accident-free, Defensive driving. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Nationwide's national average ($1,640) multiplied by Tennessee's state-vs-national premium index ($1,525 ÷ national average $1,789 ≈ 0.85x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Nationwide J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).