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Tennessee Car Insurance

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. 

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. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Understanding Tennessee’s auto insurance minimums

In Tennessee, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Coverage to protect you from the financial consequences of causing bodily harm to others in an auto accident. This extends to coverage for medical expenses, pain and suffering, rehabilitation costs, and lost wages. It may also cover legal fees if you’re sued for the damage. Coverage is subject to limitations and exclusions. 

Property damage liability coverage: This coverage helps with the damage you cause to someone else’s property in an auto accident where you’re at fault. It includes costs for repairing or replacing the other party’s vehicle and other damaged property, like buildings or fences. If you’re sued for the damage, it may also cover legal expenses. Coverage is subject to limitations and exclusions. 

It’s important to understand that these are just the minimum requirements, and drivers in Tennessee may choose higher coverage limits for added protection.

Additional coverage considerations in Tennessee

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Tennessee drivers might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars. 
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Uninsured/underinsured motorist bodily injury coverage: Provides financial support if you’re injured in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to pay for your medical bills or other expenses. 
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Coverage for the repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Tennessee car insurance rates

There are several factors that impact auto insurance in Tennessee, including individual circumstances, location, weather patterns and more. Here are key points to consider:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Drivers with clean records may have lower premiums, while drivers with a history of accidents or traffic violations typically face higher rates.
  • Coverage options and limits: The types and amounts of coverage you choose affect your premiums. Opting for the minimum required coverage in Tennessee tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
  • Vehicle type: The make and model of your vehicle can influence Tennessee car insurance rates. Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations. 
  • Claims in Tennessee: Insurance rates may be influenced by the frequency and severity of claims filed in the state. Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Tennessee.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Tennessee car insurance discounts

Amica offers various auto insurance discounts to help Tennessee drivers save money on their premiums. Here are some ways to save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.  
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Tennessee policy premium up front.

If you’re a Tennessee driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 20% with a multiline discount..1

Facts and figures about Tennessee

Fun facts about Tennessee:

  • Tennessee is home to the most visited national park in the U.S., Great Smoky Mountains National Park.2 
  • Nissan has one of the largest vehicle assembly plants located in Smyrna. The plant has the capacity to produce 640,000 annually.2
  • Backbone Rock Tunnel in eastern Tennessee is known as the shortest tunnel in the world. It’s 80 feet tall, but only 20 feet long.3

Facts about driving in Tennessee:

  • Tennessee residents under 18 looking to get their license need documentation that they’re enrolled in school or have recently graduated.4 
  • Tennessee has lane control signals that indicate direction of the flow of traffic changes, typically depending on the time of day.4 
  • 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.5

How to get car insurance in Tennessee

We’re here to guide you through the process of personalizing your car insurance in Tennessee. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Tennessee drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Tennessee drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 80 Interesting Facts About Tennessee
3 11 Quirky Facts About Tennessee That Sound Made Up, But Are 100% Accurate
4 Tennessee Comprehensive Driver License Manual
5 Department Safety & Homeland Security Driver Services
 

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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