Cheap Car Insurance Nashville TN stands at number 1 in the list of cities with most expensive car insurance rates in TN State. Car owners in Nashville TN pay 1% more or say 0.1 times more in car insurance premium than the state car insurance average and 1.5 times more than the national average. Average yearly car insurance rates in Nashville is about $1209 per year compared to $900 for the national average. This make it mandatory for you to shop for a few car insurance quotes before you buy your policy.