- Car Insurance
- Auto Insurance by State
- Tennessee Car Insurance
Get a Tennessee car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Tennessee
Need car insurance in Tennessee? Whether you live in Memphis or Nashville, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Tennessee auto insurance, so you only pay for what you need.
Tennessee drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programTennessee minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in Tennessee. To drive legally, you need to have at least the following coverage amounts and minimums in Tennessee.4
Coverage | Amount |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Visit the Tennessee Department of Commerce and Insurance to learn about minimum coverage requirements.
Average car insurance cost in Tennessee, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Tennessee is about $1,536 per year.
Tennessee drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Tennessee?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Tennessee you're only required to have the state Liability minimums of 25/50/25.
However, "full car coverage" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in Texas when you get an online auto insurance quote.
What liability insurance is required in Tennessee?
Tennessee law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
You may see this written as 25/50/25.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Does Tennessee require Uninsured/Underinsured Motorist Coverage?
No. Uninsured/Underinsured Motorist Coverage is not required in Tennessee. Although, not required, these coverages can help protect you if you're in an accident with an underinsured or uninsured driver.
Who offers cheap insurance in Tennessee?
Finding the cheapest car insurance in Tennessee may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate