Auto insurance · Nashville, TN
Nashville, TN Auto Insurance, Explained by a Local Agent
I’m Dustin Rodgers. Interstate traffic, tight parking and long commutes all shape what you need. I’ll help you understand your options.
Dustin Rodgers and team
Serving Nashville from our Mt. Juliet office
Your local agent
Auto insurance help for Nashville drivers
Nashville drivers share I-40, I-24, I-65 and Briley Pkwy with a lot of other cars every day, and parking downtown or in busy neighborhoods brings its own risks. I’m Dustin Rodgers, and Rodgers Insurance Agency serves Middle Tennessee from Mt. Juliet, just east on I-40. I help Nashville drivers understand liability, uninsured motorist and physical damage coverage.
Coverage
Auto Coverage for Nashville Drivers
Commuter car or family SUV, most auto policies include these pieces:
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Liability
Tennessee requires proof of financial responsibility. Liability helps pay for injuries or damage you cause to others.
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Uninsured / underinsured motorist
Help if a driver with little or no insurance hits you.
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Collision
Help repairing your car after a crash, minus your deductible.
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Comprehensive
Help with theft, hail, fallen limbs, fire or hitting a deer.
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Medical payments
Help with medical bills for you and your passengers after a covered accident.
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Rental and roadside
Optional help with a rental car or a tow if you break down around Nashville, where available.
Coverage is subject to policy terms, underwriting and availability. Limits, exclusions and terms vary by policy. Driving for a delivery or rideshare app usually needs separate coverage.
Options
Choices for City Driving and Commutes
Depending on your drivers, vehicles and eligibility, options like these may be available:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Uninsured / underinsured motorist limits that match your liability
- Higher liability limits, or an umbrella on top
- Deductible choices for collision and comprehensive
- Rental reimbursement and roadside help
- Coverage for teen drivers
- Bundling with home, condo or renters
Local risks
Interstates, Parking and Your Nashville Car
Heavy interstate traffic makes liability and uninsured motorist limits worth a close look. Our auto coverage guide explains how people think about them.
Street parking and busy lots can mean dings, break-ins and theft. Comprehensive coverage can help with theft and vandalism.
If you drive for a rideshare or delivery app, your personal policy may not cover you while the app is on. Tell us so we can look at options.
Sources: Wikipedia: Nashville, Tennessee · Tennessee Department of Revenue: Financial Responsibility Law · Insurance Information Institute: how much auto coverage do I need? · NWS Nashville: A Tornado Climatology of Middle Tennessee
Tennessee requires proof of financial responsibility
Drivers in Tennessee must be able to show proof of financial responsibility, and most meet it with a liability policy. Minimum limits may not cover a serious accident, so it’s worth reviewing yours. Check the state’s current rules for details.
Sources: Tennessee Department of Revenue: Financial Responsibility Law · Insurance Information Institute: how much auto coverage do I need?
Areas we serve
Nashville-Area Communities I Serve
My Nashville clients drive across Davidson County, including Donelson, Hermitage, Antioch, Madison, Old Hickory and Bellevue.
Auto insurance pages for nearby towns: Mt. Juliet, Lebanon, Hermitage, Gallatin, Hendersonville, Watertown. Looking for home insurance? See Nashville home insurance.
More coverage in Nashville: condo insurance, renters insurance, landlord insurance, umbrella insurance, boat insurance, motorcycle insurance, classic car insurance, RV and camper insurance.
Why a local agent
Why Nashville Drivers Call a Local Agent
- One office, one phone number: call 615-562-5100 and talk with someone who knows your policy.
- Limits explained plainly: I’ll walk through liability, uninsured motorist and physical damage in everyday terms.
- Car and home reviewed together: auto, home, umbrella and more in one conversation.
- Help after a wreck: my office can help you understand the first steps and who to call after a covered accident.
- A fresh look when things change: a new driver, a new car or a move is a good time to review.
Reviews
Reviews from Middle Tennessee Clients
Our customers have given us 4.9 stars from 109 Google reviews. Read them on Google, or add your own.
More coverage
More Ways I Can Help in Nashville
Here in Nashville, I can also help with ATV and UTV insurance and mobile home insurance.
If you’re deciding on limits, start with choosing your auto insurance limits.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- TN Insurance License #2027275
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Nashville Auto Insurance Questions
Updated
Can a Mt. Juliet agent insure my car in Nashville?
Yes. My office is just east of Nashville on I-40, and I work with drivers across Davidson County, mostly by phone and email.
Is car insurance required in Tennessee?
Tennessee requires proof of financial responsibility. Most drivers meet it with a liability policy. Check current state rules.
Does my policy cover rideshare or delivery driving?
Often not while the app is on. Tell us if you drive for an app so we can look at options.
Is a break-in covered?
Damage to your car from a break-in may be covered under comprehensive. Belongings stolen from the car are often covered by homeowners or renters insurance instead.
Is the state minimum enough?
Minimum limits may not cover a serious accident. Our auto coverage guide explains more.
What is uninsured motorist coverage?
It can help when a driver with little or no insurance injures you.
How do I add a teen driver?
Call us before they drive on their own, and we’ll explain options.
Can I bundle auto with renters or condo?
Often, yes. We’ll look at both together.
What should I do after a wreck?
Make sure everyone is safe, call police if needed, exchange information and take photos. Then report it to your insurer. Our claim help page has more.
Get a Nashville Auto Insurance Quote
Call 615-562-5100 or fill out the form below and my office will follow up. Your current declarations page helps us get started.
Stop By or Call Our Mt. Juliet Office
Buying a car, adding a driver, renewing a policy, or just have a question about your coverage? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed