Tennessee Auto Insurance Guide
There’s no shortage of places to explore in Tennessee, from Gatlinburg’s Great Smoky Mountains to the live music in Nashville, to the Great River Road along the Mississippi. No matter the destination, you can hit the road knowing that Amica has you covered for the unexpected.
Since Tennessee drivers may split time between city traffic in Memphis, winding mountain roads in the east and long rural stretches across the state, Amica offers customized Tennessee car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. With YourPlan, there’s a range of options that can be tailored to meet your unique needs.
This guide explains Tennessee car insurance requirements, optional coverage choices, common rate factors and
What auto insurance is required?
Tennessee drivers must carry liability insurance. Liability coverage may help pay for bodily injuries or property damage you cause to someone else in an accident where you’re at fault.
Tennessee is an at-fault state. In general, the person who causes the accident is financially responsible for the resulting bodily injury and property damage costs.
Tennessee minimum liability coverage limits
| Coverage type | Minimum limit in Tennessee | What it helps cover |
|---|---|---|
| Bodily injury liability | $25,000 per person, $50,000 per accident | Injuries you cause to others in an accident |
| Property damage liability | $25,000 per accident | Damage you cause to another person’s vehicle or other property |
These are the minimum requirements for car insurance in Tennessee. They meet the legal requirement, but they may not be enough after a serious crash involving multiple bodily injuries or expensive property damage.
Many drivers choose higher liability limits for added financial protection, especially if they want more coverage to protect income or other assets.
For a broader overview of policy options, explore our car insurance and consider all your options.
Additional coverages to consider
The state minimum only addresses liability you may owe to others. Many Tennessee drivers also consider optional coverages that may help with their own vehicle, medical expenses or temporary transportation after a covered loss.
| Coverage | Required in Tennessee? | Why it matters |
|---|---|---|
| Collision coverage | No | May help repair your vehicle after a covered collision, regardless of fault |
| Comprehensive coverage | No | May help with covered non-collision losses like theft, hail or falling objects |
| Medical payments coverage | No | May help with medical expenses for you and your passengers after a covered accident |
| Uninsured/underinsured motorist bodily injury coverage | No | May help if the at-fault driver has no insurance or not enough insurance |
| Rental reimbursement | No | May help with transportation costs while your vehicle is being repaired after a covered claim |
| Roadside assistance | No | May help with towing, lockouts, jump starts and similar roadside problems |
For more guidance on choosing limits, explore the amount of car insurance you may need.
How Tennessee drivers can customize coverage
After reviewing required and optional coverages, many Tennessee drivers compare how much protection they want against what they’re comfortable paying. YourPlan lets you review coverage approaches based on what drivers often choose, then adjust from there to best fit your needs and budget.
- Essential: May appeal to drivers looking for foundational protection without many added features.
- Advantage: May be a better fit if you want more flexibility and support for situations like roadside issues or broader vehicle protection.
- Signature: May suit drivers who want broader protection and fewer potential coverage gaps.
If you want to compare quotes more carefully, exploring how to compare quotes can help you look beyond price alone.
What affects car insurance rates in Tennessee?
There are several factors that can affect auto insurance in Tennessee, including your personal driving profile and regional claim conditions.
- Driving history: A clean record may help you qualify for better rates than a record with accidents or violations.
- Coverage limits and deductibles: The protection you choose affects your premium. Higher limits and lower deductibles often cost more.
- Vehicle type: Your car’s value, repair costs, safety features and theft risk may all affect rates.
- Location and claims trends: Traffic density, weather, repair costs and claim frequency in your area can all shape pricing.
Tennessee weather and geography may also shape coverage choices. Mountain driving, strong storms and daily commuting patterns can all influence how drivers think about protection and deductibles.
As in most states, the average cost of car insurance in Tennessee can change over time for reasons both within and outside your control.
Save more with discounts
Amica offers various auto insurance discounts that may help eligible Tennessee drivers lower their premiums.1
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history and approved defensive driver training may help some drivers save.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders save.
Bundling can also be worth exploring. Tennessee drivers who combine eligible policies may qualify for a multiline discount.
Tennessee is also one of the states where telematics-based savings may be available through StreetSmart by Amica
Driving facts to keep in mind
- Tennessee residents under 18 looking to get their license need documentation that they’re enrolled in school or have recently graduated.2
- Tennessee has lane control signals that indicate direction of the flow of traffic changes, typically depending on the time of day.2
- Tennessee residents have access to the MyTN mobile app, where they’re able to view wait times at the DMV, take practice driving exams and more.3
How to get auto insurance in Tennessee
If you’re ready to compare Tennessee auto insurance options, here’s a simple way to approach the process:
- Review your coverage needs: Start with Tennessee’s required liability limits, then think about whether you want higher limits or optional protection for your vehicle, injuries or transportation needs.
- Look for savings opportunities: Eligible discounts, bundling and payment options may all affect your final premium.
- Get a quote: You can get a quote online or call 800-242-6422 to speak with a representative.
Taking a little extra time to compare limits, deductibles and optional coverages can help you build a Tennessee car insurance policy that better fits how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in Tennessee
Yes. Tennessee is an at-fault state. In general, the person who causes the accident is responsible for injury and property damage costs.
It depends on your ZIP code, vehicle, driving history, annual mileage and chosen coverages. Your personal quote may look very different from a statewide average.
Tennessee drivers must carry liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident or $65,000 combined single limit.
The minimum liability limits for drivers in Tennessee are commonly written as 25/50/25. That means $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident .
That depends on your financial situation, how much you drive, the value of your vehicle and how much risk you are comfortable retaining. Many drivers consider higher liability limits and optional coverages for broader protection than the state minimum provides.
Discounts not available in all states and may vary.
Tennessee Comprehensive Driver License Manual
MyTN
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
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