Without the runaround, Franklin households compare auto coverage through Freedom Insurance Group. Request a quote online or call (800) 253-1482.
Average car insurance rates in Franklin, Tennessee
A quick caution: these are illustrative estimates and averages, not guaranteed quotes. Your own quote will hinge on the drivers and the vehicles, the ZIP code, the limits and deductibles you pick, credit where allowed, and past claims.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Franklin, Tennessee | $155.06 |
Cheapest car insurance companies in Franklin, TN
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Root | $133.12 |
| 2 | GEICO | $137.51 |
| 3 | Travelers | $144.37 |
| 4 | Safeco | $144.56 |
| 5 | Allstate | $151.10 |
| 6 | Progressive | $153.44 |
| 7 | National General 360 | $154.08 |
| 8 | Kemper BVP | $154.97 |
| 9 | Lemonade | $168.69 |
| 10 | Lumen Select | $177.48 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,004.22 |
| 20s | $122.50 |
| 30s | $116.42 |
| 40s | $129.99 |
| 50s | $117.36 |
| 60s | $99.36 |
| 70+ | $107.08 |
Check Out Other Rates in Franklin, TN Nearby Cities:
Auto coverage explained for Franklin drivers
Minimum liability keeps you legal in Tennessee, but it rarely matches the cost of a serious injury claim or a newer financed vehicle. Use the outline below as a checklist while you compare quotes for Franklin.
- Bodily injury & property damage liability: Pays for injuries and damage to others when you are at fault. Savings, equity in a house, or a long drive through heavy traffic all argue for look at higher limits.
- Collision: After a crash with another car or an object, it covers repairs to your car, once the deductible is met.
- Comprehensive: Where severe weather is common, this is the coverage that matters; it helps after theft, hail, glass breakage, animal strikes, and many other non-crash losses.
- UM/UIM coverage: If the at-fault driver is uninsured or underinsured, this coverage pays for your losses. Check how UM/UIM works in your state before you decline it.
- Medical payments or PIP: It pays medical bills after a crash for you and your passengers; availability and stacking vary by state.
- Rental reimbursement: Keeps you on the road while repairs from a covered claim are underway by paying toward a rental car.
- Roadside assistance: Tows, jump starts, and lockout service, often cheaper as a policy add-on than a separate auto club.
- Umbrella coordination & higher limits: If you carry an umbrella, confirm auto limits meet the carrier’s underlying requirements.
When a Franklin car is leased or financed, collision and comprehensive are almost always required. Going without collision is an option we can price for older, paid-off vehicles once the out-of-pocket risk is clear to you. Glass and hail deductibles are worth a second look in storm-prone ZIP codes.
Franklin driving and insurance context
Franklin has roughly 72,639 residents, located in Williamson County, within the Nashville metro area. Population stands near 72,639. Near rivers and in low-lying areas, flood considerations join the tornado and storm risk built into much of Tennessee pricing.
A Franklin commute often combines arterial roads and highway miles, which is why underwriting looks at both garaging ZIP and annual mileage. The rates carriers file for surrounding ZIP codes, and the comprehensive claims behind them, reflect local weather, especially severe storms, low-spot flooding, and foggy river corridors. That is why two neighbors in Franklin can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and 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. Picking one trim over another in the same model year counts for less than highway-heavy commuting, rideshare activity, or teen drivers. When you request a quote, let us know how the car is really driven so we can match carriers that price that profile sharply.
Something Franklin drivers often overlook: how safety features and ownership length interact with discounts. Continuous coverage, automatic emergency braking, and anti-theft devices are weighted differently by each carrier. Differences like these become a shortlist in an independent agent’s hands, sparing you ten websites and the same application each time.
A small but useful step: have the declarations pages from your current policy within reach. Line up the limits, deductibles, and drivers listed; that is the quickest route to a like-for-like Franklin comparison. Check for dropped liability limits, missing comprehensive, or an omitted household driver whenever a quote looks dramatically cheaper.
Tips and tricks to lower car insurance rates in Franklin
The cheapest binder is not the only goal when you shop. The durable wins usually come from right-sizing liability limits first, then shopping collision deductibles, then re-checking the market every policy term.
- Compare at least several carriers each renewal. After storm seasons and loss trends, appetite changes. Last year’s low bid in Franklin may not be cheapest now.
- Let the math decide on bundling. Compare the bundled total, not just the auto premium; bundling helps only if the total wins. Start the process at /get-a-quote/auto-quote, and note any renters or homeowners 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 $1,004.22, far above adult buckets near $99. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Be careful with telematics. Usage-based programs may reward gentle acceleration and low overnight mileage, but night driving and hard braking can wipe out the savings.
- Avoid coverage gaps. Even a short gap can cost more than the months you skipped.
- Make garaging accurate. Before you bind, correct it if the car sleeps in Franklin but is insured elsewhere (or the reverse).
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Combined, these credits can move a competitive quote, though each one is small.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, share them at your Franklin quote review.
Franklin discounts to ask about
- Multi-policy discount — auto plus home or renters coverage.
- Multi-car — two or more vehicles with one carrier.
- Safe driver & claims-free — a clean record usually prices better.
- Good student & driver training — useful once teens are rated.
- Telematics & usage-based — optional programs that reward safer habits.
- Paid-in-full, autopay, and paperless — minor credits that add up.
- Anti-theft & safety equipment — depending on the vehicle and carrier.
Discounts are not a substitute for shopping. Two carriers can advertise similar credits and still land fifty dollars apart on the same Franklin driver.
Franklin in brief
Franklin has roughly 72,639 residents, located in Williamson County, within the Nashville metro area.
Franklin is part of the Nashville metro area, where day-to-day insurance shopping is driven 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 storm risk built into much of Tennessee pricing.
What tends to change quotes in Franklin
Carriers weighing applications from Franklin look past the sticker price of the vehicle. Even with a clean credit file, prior bodily injury claims, comprehensive weather losses, and coverage lapses can count for more. 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.
If you work from home some days, ask whether your mileage estimate should change. Plenty of Franklin 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.
Deductibles and limits for local weather
Because severe storms, flooding in low spots, and foggy river corridors show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Franklin. A lower glass deductible can be worth it if you park outside. With reserves in the bank and a paid-off vehicle, raising the comprehensive deductible may make sense.
Choose liability limits based on your assets and risk tolerance, not only the state minimum. Minimum limits run out fast after a serious at-fault crash on a busy road near Franklin. So every number makes sense, we talk through scenarios together.
How Freedom Insurance Group works for Franklin drivers
We will not make up AM Best ratings, 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 Franklin and the wider Nashville metro area.
Phone (800) 253-1482, or get a free auto quote started online. We can compare bundle options with no pressure if you also need homeowners coverage; start on the home quote form.
The first call covers drivers and vehicles, garaging ZIP, the limits you want, and recent claims. This page’s illustrative averages turn into a shortlist of bindable options for your household once we have those details.
What the data says about driving in Franklin
Across about 33,998 households in Franklin, 19% own at least three vehicles and 48% have two. So multi-car credits and driver-to-vehicle assignment are a big deal for many local families.
Franklin workers spend about 24 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. Of all workers, 62% drive alone, 5.5% carpool, and 30% work from home. With that many remote workers, a stale commute on the policy is a common overcharge.
The NOAA Storm Events Database records 45 hail reports within about 7 miles of Franklin from 2016 through 2025. The largest stones measured 3 inches near Douglas in May 2025. Hail that size can badly dent body panels and shatter glass, a loss handled under comprehensive coverage. There were also 11 flash-flood reports nearby, the latest in May 2025; a flooded car is a comprehensive claim, not collision.
By 2020–2024 Census estimates, Franklin packs about 87,133 residents into roughly 45 square miles of land, a density of about 1,956 people per square mile. For big-city errands, the nearest Tennessee city over 100,000 residents is Nashville, roughly 18 miles north. Frequent drives to Nashville should be counted in your mileage.
Franklin dates its official start to 1799. The Census Bureau counted 41,842 people in Franklin at the 2000 Census and 62,487 at the 2010 Census; its July 2024 estimate is 89,142. That is growth of roughly 113% since 2000. Federal tornado records from NOAA’s Storm Prediction Center list 12 tornadoes that began within 10 miles of Franklin from 1950 through 2015; the strongest was an F4 on December 24, 1988. NOAA ties that tornado to 1 death and 7 injuries.
Looking at nearby towns? Nearby pages: Brentwood (7 mi), Thompson's Station (8 mi), and Nolensville (11 mi).
Franklin-area ZIP codes we insure
37065 · 37064 · 37068 · 37069 · 37067
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Franklin, TN auto insurance quotes
Franklin residents get a comparison of 25+ carriers at Freedom Insurance Group. Phone (800) 253-1482, or get a free auto quote started online.
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