Tennessee car insurance: requirements & free quotes
Tennessee is an at-fault state with a 25/50/25 minimum. Growing metro traffic in Nashville and Memphis and spring severe weather are key factors for Tennessee drivers.
Minimum coverage in Tennessee
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Tennessee
- Uninsured motorist coverage is included unless rejected in writing and is worth keeping.
- Comprehensive coverage helps with hail, tornado and storm damage.
- Higher liability limits are worth pricing for busy metro commutes.
- Ask about bundling and safe-driver discounts.
We connect drivers across Tennessee
Including Nashville, Memphis, Knoxville, Chattanooga and Clarksville — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Tennessee car insurance FAQ
No. Tennessee is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.