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Nashville, TN
Dragon Insurance is an independent agency licensed in Tennessee, serving Nashville, Brentwood, Murfreesboro, and the greater Middle Tennessee area. We compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find the lowest rate for your driving record, vehicle, and ZIP code. Call and we quote you on the phone; submit the form and we reply within 1 hour on business days.
Call for a quote on the spot. Online requests answered within 1 hour on business days.
Quick Answer
Most Nashville-area drivers, whether in the city itself, Brentwood, or Murfreesboro, buy car insurance from whoever they used last year, or whoever their parents used, without ever finding out whether a better rate exists for their exact profile.
Comparison only works if the policies being compared are the same. Dragon quotes every carrier on matching limits and deductibles, then tells you which one genuinely costs less rather than which one simply covers less. A captive agent has nothing to compare against.
We are licensed in Tennessee and serve the entire Nashville metro, including Brentwood, Franklin, and Murfreesboro, entirely by phone and online, with no office visit required. We answer the phone, we know our clients by name, and we are not a call center.
Want to see how carrier comparison works before you call? Read our guide to comparing auto insurance quotes.
Want to understand how TN rates are calculated before you call? Read our guide to finding cheap auto insurance in Tennessee.
Drive for Uber or Lyft around downtown Nashville or the airport? See our rideshare insurance guide for where your personal policy stops covering you.
30+ carriers in one call
Progressive, Safeco, Liberty Mutual, The General, and more. We compare all of them for your specific profile.
Tennessee at-fault expertise
We know Tennessee's at-fault system, the state's 25/50/25 minimum, and why keeping uninsured motorist coverage matters when approximately 20% of Tennessee drivers carry no insurance. We explain your options clearly.
Instant quote by phone
Standard drivers get quoted during the call, not hours later. Use the online form and we respond within 1 hour during office hours, Monday to Friday. A DUI or an SR-22 filing can need an extra underwriting review.
80+ five-star reviews
Real clients across Nashville, Brentwood, Murfreesboro, and the greater Middle Tennessee area who called back after their first renewal.
Tennessee is an at-fault state with specific minimum coverage requirements every driver must carry. Here is what the law requires and what most experienced Nashville-area drivers actually buy.
| Coverage | TN Minimum | Recommended |
|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 | $100,000 / $300,000 |
| Property Damage Liability | $25,000 | $100,000 |
| Uninsured / Underinsured Motorist | Included, rejectable in writing | Keep it (~20% of TN drivers uninsured) |
| Medical Payments (MedPay) | Not required | Optional add-on |
| Collision | Not required | Required if financed |
| Proof of Insurance | Verified electronically; required at registration | Maintain continuous coverage |
State minimums are the legal floor, not a coverage recommendation. At $25,000 per person, a single serious accident claim can exceed your limits, and approximately 20 percent of Tennessee drivers carry no insurance at all. Call us to discuss the right limits for your situation.
Dragon Insurance serves Nashville and the surrounding Middle Tennessee communities, including Brentwood, Franklin, and Murfreesboro.
Nashville
37201
Brentwood
37027
Franklin
37064
Murfreesboro
37129
Smyrna
37167
Hendersonville
37075
Antioch
37013
Mount Juliet
37122
See our Nashville, TN location page for the full range of coverage we offer, or explore requirements across the state on our Tennessee auto insurance page.
Questions Nashville-area drivers ask us most often.
Tennessee requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability. This property damage minimum rose from $15,000 to $25,000 effective January 1, 2023 (T.C.A. Section 55-12-102). Tennessee is an at-fault state, meaning the driver who causes an accident is responsible for the other party's damages through their liability coverage. Tennessee law also requires carriers to include uninsured motorist coverage in every auto policy, though drivers may reject it in writing under T.C.A. Section 56-7-1201.
According to Bankrate's 2026 Tennessee rate analysis, Tennessee drivers pay an average of $43 per month for minimum coverage and $167 per month for full coverage statewide. Nashville rates typically run somewhat higher than that statewide average due to urban traffic density and claim frequency in Davidson County, though your exact rate depends on your ZIP code, driving record, vehicle, and coverage limits. As an independent broker, we compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find Nashville, Brentwood, and Murfreesboro drivers the most competitive rate for their specific profile.
Tennessee is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Unlike no-fault states, Tennessee drivers can sue the at-fault party for damages. This makes adequate liability limits especially important, particularly given that approximately 20 percent of Tennessee drivers are uninsured, one of the highest rates in the country.
Often yes. An independent agent compares multiple carriers for your specific driver profile rather than quoting only one company. Dragon Insurance compares 30+ carriers in one call, including Progressive, Safeco, Liberty Mutual, and The General. For Nashville, Brentwood, and Murfreesboro drivers who have not shopped their policy in a few years, running that comparison is usually where the biggest difference shows up.
Yes. Non-standard carriers like The General specialize in coverage for Nashville-area drivers with a DUI history, multiple violations, or a prior coverage lapse. We also handle SR-22 filings for Tennessee license reinstatement after a suspension. Rates will be higher than a clean-record policy, but coverage is available, and comparing carriers still makes a meaningful difference.
Yes. Tennessee's Financial Responsibility Law requires drivers to maintain proof of liability insurance or a verifiable exemption. The Tennessee Department of Revenue runs an Electronic Insurance Verification System that checks coverage electronically, and if it cannot confirm your policy, you will receive a notice directing you to DriveInsuredTN.com to submit proof of insurance. Tennessee has also moved to require insurance verification at vehicle registration, so maintaining continuous coverage avoids registration delays and potential suspension.
Faster by phone, but both routes are quick. Call 717-229-5115 during business hours and we quote you on that call, comparing carriers with you on the phone. Submit the online quote form and we come back within 1 hour, Monday to Friday, 9:00 am to 5:30 pm ET. Have your driver's license, vehicle VIN, and current declarations page ready either way, since that is what lets us quote accurately the first time. Non-standard records, such as a recent DUI or an SR-22 filing, may need an extra business day for underwriting review.
The cheapest car insurance for Nashville-area drivers depends on your specific profile, not a single company. Published 2026 rate data from MoneyGeek and Experian shows GEICO and Liberty Mutual among the more competitively priced carriers on our panel for clean-record drivers, while The General often wins on price for drivers with violations. Because rates vary by exact ZIP code, vehicle, age, and driving record, comparing all of them is the only way to find your lowest rate. Dragon Insurance compares 30+ carriers in one call and shows you the lowest qualifying option.
Yes. Dragon Insurance is licensed in Tennessee and serves the entire Nashville metro, including Brentwood, Franklin, Murfreesboro, Smyrna, Hendersonville, Antioch, and Mount Juliet. We handle every quote by phone or online, comparing 30+ carriers to find the right coverage for your ZIP code. Call 717-229-5115 or request a quote online to get started.
Nashville, TN
Dragon Insurance compares 30+ carriers for drivers across Nashville, Brentwood, Murfreesboro, and the greater Middle Tennessee area. Standard drivers get quoted on the call; online requests get a reply within 1 hour, Monday to Friday.
80+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Tennessee
Blog
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