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Tennessee’s minimum car insurance coverage requirements

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 per person 
$50,000 bodily injury per accident 
$15,000 property damage per accident

—or—

25/50/15

Dairyland® coverage in Tennessee

At Dairyland, 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 limit Dairyland offers in Tennessee?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident

—or—

100/300/100

What liability coverages are required to be offered in Tennessee? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Uninsured Motorist/Underinsured Motorist Bodily Injury and Uninsured Motorist Property Damage must be offered, but they can be rejected with signature.

What are all the coverages Dairyland offers in Tennessee?

  • Bodily Injury
  • Property Damage
  • Uninsured Motorist/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Medical Payments
  • Comprehensive 
  • Collision
  • Towing and Labor
  • Rental Reimbursement
  • Special Equipment

What’s the oldest a vehicle can be to get Dairyland’s 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?

Broad Form and Named Non-Owner

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

Yes, an insurance score is used for rating in Tennessee, but it’s not mandatory.

What policy terms does Dairyland offer in Tennessee?  

6 and 12 months; 12 months only for Named Non-Owner policies

What is Dairyland’s minimum down payment option in Tennessee?  

16.7%, can vary by risk

Are SR22s used in Tennessee?  If so, is there a fee assessed by Dairyland? Is it filed electronically?  

SR22s are available, filed electronically at no charge.

What discounts are available from Dairyland in Tennessee?

  • Homeowner
  • Prior insurance
  • Advance quote
  • Defensive driver course
  • Multi-car
  • Paid in full