Tennessee Car Insurance
Enter your ZIP Code to start your quote
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.1
|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 Tennessee 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 $1,2622 in 2021 according to thezebra.com. That's 17% 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.
What Tennessee car insurance coverage is right for you?
All Tennessee drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Tennessee car insurance to get the coverage that fits you. See all of our auto coverage options.
What's the best car insurance in Tennessee?
Liberty Mutual knows that everyone has different needs for their Tennessee auto insurance. Some may want the cheapest Tennessee car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Tennessee car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Tennessee?
Getting the cheapest car insurance in Tennessee may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate