Freedom Insurance Group compares 25+ carriers for Brentwood, Tennessee. Start your free quote or call (800) 253-1482.
Average Brentwood, Tennessee car insurance rates
The numbers here are illustrative averages and estimates meant only for comparison, not guaranteed quotes. Your own quote will hinge on the drivers and the vehicles, the ZIP code, chosen limits and deductibles, credit where allowed, and past claims.
Cheapest car insurers for Brentwood, TN drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Root | $156.57 |
| 2 | Safeco | $158.24 |
| 3 | Travelers | $158.46 |
| 4 | Allstate | $160.18 |
| 5 | Lumen Select | $166.41 |
| 6 | GEICO | $167.03 |
| 7 | Progressive | $167.63 |
| 8 | Kemper BVP | $169.81 |
| 9 | Elephant | $170.88 |
| 10 | Chubb | $187.77 |
Check Out Other Rates in Brentwood, TN Nearby Cities:
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Brentwood, Tennessee | $167.21 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,139.00 |
| 20s | $130.03 |
| 30s | $126.59 |
| 40s | $134.39 |
| 50s | $125.58 |
| 60s | $107.06 |
| 70+ | $116.71 |
Brentwood driving and insurance context
Brentwood counts about 41,763 residents and lies within Williamson County, in the Nashville metro area. The resident count is roughly 41,763. Near rivers and in low-lying areas, flood considerations join the tornado and severe-storm risk that Tennessee pricing often reflects.
Typical Brentwood driving mixes quiet residential streets and busier connectors, and stop-and-go traffic shape claim frequency more than most expect. Severe storms, flooding in low spots, and foggy river corridors drive comprehensive claims here, and in time they influence the rates filed for surrounding ZIP codes. That is why two neighbors in Brentwood can see different premiums even with similar vehicles: construction of the car, credit-based insurance score where allowed, prior claims, and the exact garaging address all move the quote.
If you are new to Nashville metro, take a few minutes to confirm how you use the vehicle. The trim level of a given model year matters far less than rideshare use, teen drivers, or lots of highway commuting. When you request a quote, let us know how the car is really driven so we can match carriers that price that profile sharply.
A detail many Brentwood drivers miss: the link between safety equipment, ownership length, and discounts. Some carriers reward automatic emergency braking or anti-theft gear heavily while another barely does, and the same goes for continuous coverage. An independent agent can translate those quirks into a shortlist instead of making you retype the same application on ten websites.
Have your current declarations pages ready; it is a practical detail that matters. A fair Brentwood comparison comes together fastest from limits, deductibles, and listed drivers. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Car coverage guides for Brentwood drivers
The cost of a serious injury claim, or of a newer financed car, usually exceeds state-minimum limits, even though the minimum meets the legal floor in Tennessee. Treat the outline below as a checklist while you compare quotes for Brentwood.
- BI & PD liability: It covers what you owe others after an at-fault crash. Think about higher limits if you have savings or home equity, or a long commute through denser traffic.
- Collision: Covers damage to your car from hitting another car or an object, after your deductible.
- Comprehensive: Covers losses that are not crashes, including theft, hail, glass breakage, and animal strikes, especially relevant in storm-prone areas.
- Uninsured & underinsured motorist: Steps in for you if the at-fault driver has little or no insurance. UM/UIM rules vary by state, so ask how it works before you waive it.
- Medical payments or PIP: It pays medical bills after a crash for you and your passengers; availability and stacking vary by state.
- Rental car reimbursement: Gets you a car while repairs from a covered claim are underway by helping pay for a rental.
- Roadside assistance: Added to the auto policy, it can cost less than a separate club membership and includes towing, battery, and lockout service.
- Higher limits & umbrella fit: Umbrella policies come with underlying limit requirements, so your auto limits need to match.
When a Brentwood car is leased or financed, expect collision and comprehensive to be required. Dropping collision is something we can model on an older, paid-off car once the out-of-pocket risk is clear to you. Hail and glass deductibles merit a closer look in storm-prone ZIP codes.
Ways to lower car insurance rates in Brentwood
Good rate shopping is more than the lowest binder price. Get the garaging address and driver list right before comparing, and re-shop each policy term; that is where durable wins come from.
- Re-shop several carriers at renewal. Following storm seasons and shifting loss trends, carriers change what they want to write. Brentwood rankings change: what led last year may not lead now.
- Only bundle if the math works. Pairing home and auto can save, but check the total price, not just the auto line by itself. Start at /get-a-quote/auto-quote and tell us about any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,139.00, far above adult buckets near $107. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Hard stops and night miles can erase the benefit, while usage-based programs favor gentle acceleration and low overnight mileage.
- Stay continuously insured. Gaps, even short ones, often cost more than the months you skipped.
- Match garaging to reality. If the car sleeps in Brentwood but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Individually they are small; stacked, they can move a competitive quote.
Document improvements too. New roof cameras apply to homes, but a clean Motor Vehicle Record, dash cams, and anti-theft devices can still help many auto applications. Share those details to your Brentwood quote review so underwriting does not have to guess.
Discounts Brentwood drivers should ask about
- Multi-policy credit — auto paired with home or renters.
- Multi-car credit — several vehicles insured with the same company.
- Safe driver & claims-free — clean histories often earn better rates.
- Good student and driver training — valuable when teens are rated.
- Telematics & usage-based — opt-in programs that reward safer driving.
- Paid-in-full, autopay, and paperless — minor credits that add up.
- Safety and anti-theft features — based on the vehicle and the carrier.
No discount replaces shopping. On one Brentwood driver, two carriers advertising similar discounts can still be fifty dollars apart.
Brentwood in brief
Brentwood counts about 41,763 residents and lies within Williamson County, in the Nashville metro area.
Brentwood sits in the Nashville metro area, and there day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Nashville metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Near rivers and in low-lying areas, flood considerations join the tornado and severe-storm risk that Tennessee pricing often reflects.
What tends to change quotes in Brentwood
Sticker price is only part of it when carriers review a Brentwood application. Prior bodily injury claims, comprehensive weather losses, and lapses in coverage can outweigh a clean credit file. Conversely, a longer tenure with continuous insurance and a modest annual mileage estimate can soften the rate even when the car itself is relatively new.
Your mileage estimate may be due for a change if you work from home some days; ask about it. Plenty of Brentwood households pay for miles they no longer drive since the policy still reflects an old commute. The opposite is also true: if you added a longer Nashville metro commute, update the application before a claim creates a mismatch.
Choosing deductibles and limits with local weather in mind
A Brentwood comprehensive deductible deserves real thought: regional loss data shows severe storms, low-spot flooding, and river fog. Parking outside? A lower glass deductible can be worth the cost. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
Do not stop at the state minimum: limits should reflect your assets and comfort with risk. Along busy roads near Brentwood, a serious at-fault accident can exceed minimum limits quickly. To make sure the numbers make sense to you, we talk through scenarios together.
How Freedom Insurance Group works for Brentwood drivers
AM Best ratings are never invented here, nor do we pretend every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Brentwood and the wider Nashville metro area.
Phone (800) 253-1482, or open a free auto quote on the website. Need homeowners coverage too? Begin on the home quote form, and we will compare bundling options with no hard sell.
The drivers and the vehicles, the garaging ZIP, the liability limits you want, and recent claims are the topics of that first conversation. The illustrative averages on this page become a shortlist of bindable options for your household once we have those details.
Commutes, cars, and storms in Brentwood
NOAA storm reports show 36 hail reports within about 7 miles of Brentwood from 2016 through 2025. Peak hail size reached 2 inches near Ewingville in May 2025. Stones that large can break windows and cause major body damage, and those claims go through comprehensive. NOAA also logged 22 flash-flood reports nearby, the latest in February 2025; a flooded car is a comprehensive claim, not collision.
A typical one-way trip to work from Brentwood takes about 26 minutes, based on the Census Bureau’s 2020–2024 American Community Survey. Of all workers, 67% drive alone and 28% work from home. With that many remote workers, the mileage estimate deserves a fresh look.
Brentwood covers about 42 square miles of land, and 2020–2024 Census estimates count roughly 45,556 residents, or about 1,080 people per square mile. For big-city errands, the nearest Tennessee city over 100,000 residents is Nashville, roughly 12 miles north. If you drive there often, count those miles in your estimate.
Brentwood has about 14,855 occupied households; 40% have three or more vehicles and 46% have exactly two. So multi-car credits and driver-to-vehicle assignment are worth checking on most policies.
Brentwood was incorporated in 1969. The Census Bureau counted 23,445 people in Brentwood at the 2000 Census and 37,060 at the 2010 Census; its July 2024 estimate is 45,525. That is growth of roughly 94% since 2000. NOAA Storm Prediction Center records list 21 tornadoes that began within 10 miles of Brentwood from 1950 through 2015; the strongest was an F4 on December 24, 1988. That tornado’s record lists 1 death and 7 injuries.
Comparing nearby rates? Nearby pages: Nolensville (6 mi), Franklin (7 mi), and La Vergne (12 mi).
Brentwood-area ZIP codes we insure
37024 · 37027
Other Tennessee coverage options
Get car insurance quotes in Brentwood, TN
Brentwood residents get a comparison of 25+ carriers through Freedom Insurance Group. Phone (800) 253-1482, or open a free auto quote on the website.
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