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Cheap auto insurance in Tennessee

Illustration of Great Smoky Mountains in TennesseeIllustration of Great Smoky Mountains in Tennessee


While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Tennessee:

Is it mandatory to have car insurance in Tennessee?

Yes

What are the minimum limits for Tennessee?

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$25,000 property damage liability per accident

—or—

25/50/25

Car insurance coverage in Tennessee

We’re proud to be able to help drivers in Tennessee meet their insurance needs. Here are some of the parameters of our insurance coverage in Tennessee:

What is the maximum bodily injury liability and property damage liability limit available in Tennessee?

$100,000 bodily injury liability per person

$300,000 bodily injury liability per accident

$100,000 property damage liability per accident

—or—

100/300/100

What coverages are required to be offered in Tennessee?

Bodily injury liability and property damage liability must be offered and can’t be rejected. Uninsured/underinsured motorist bodily injury and uninsured/underinsured motorist property damage must be offered, but can be rejected with a signature.

What coverages are available in Tennessee?

  • Bodily injury liability

  • Property damage liability

  • Uninsured/underinsured motorist bodily injury

  • Uninsured/underinsured motorist property damage

  • Medical payments

  • Comprehensive

  • Collision

  • Special equipment

  • Roadside assistance

  • Rental reimbursement

  • Car loan protection

What's the oldest a vehicle can be to get comprehensive and collision coverage in Tennessee?

20 years

How far back does Tennessee go to look at violation history?

3 years

What additional policy types are offered in Tennessee?

Named non-owner and broad form.

Is an insurance score used in my rating in Tennessee? If so, is it mandatory?

Yes—insurance scores are used in Tennessee, but they aren’t mandatory.

What policy terms are available in Tennessee?

6 and 12 months. Your available terms may vary by risk.

What is the minimum down payment option in Tennessee?

10% down; can vary by risk.

Are SR22s used in Tennessee? If so, is there a fee?

SR22s are available in Tennessee, filed electronically with no fee.

What discounts are available in Tennessee?

  • Multi-car

  • Prior insurance

  • Homeowners

  • Paid in full

  • Advanced quote

  • Defensive driver course

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