Tennessee car insurance

Nashville skyline overlooking the Cumberland River

Common questions about Tennessee
auto insurance

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.

What car insurance is required in Tennessee?

In Tennessee, it's illegal to drive without insurance. Drivers in Tennessee are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Tennessee.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Tennessee Department of Safety for more details.

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.

What's the average cost of car insurance in Tennessee?

The average cost of car insurance in Tennessee was $2,000³ in 2024 according to thezebra.com. That's 9% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Tennessee auto insurance with a customized policy so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with Tennessee state highlighted

Who has the cheapest car insurance in Tennessee?

Getting the cheapest car insurance in Tennessee sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴