120+ more*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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24+ years in personal finance writing
Plutus award winner
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
Coverage | Minimum Requirement in Tennessee |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
Tennessee requires drivers to carry a minimum amount of bodily injury liability and property damage liability insurance.[1]
The state raised its property damage requirement from $15,000 to $25,000 in January 2023, bringing it closer to the minimum limits required in many other states.[2] But Tennessee’s bodily injury liability requirements stayed the same, at $25,000 per person and $50,000 per accident.
Tennessee doesn’t require personal injury protection or medical payments coverage, which can help pay medical bills for you and your passengers. The state also doesn’t require drivers to purchase uninsured/underinsured motorist coverage (UM/UIM).
Average liability quotes start at $35/mo.
Tennessee requires $25,000 per person and $50,000 per accident in bodily injury liability coverage. These limits match the minimum requirements in many states.
If you cause an accident that injures several people, a policy with the state’s minimum liability requirements can pay no more than $50,000 toward their combined medical bills and other covered losses. You may have to pay any remaining costs yourself.
Drivers in Tennessee must also carry $25,000 in property damage liability coverage per accident — a requirement that matches or exceeds the minimum in most other states. This coverage can pay for damage you cause to another vehicle or property, such as a fence or guardrail.
If the total property damage from an at-fault accident exceeds $25,000, you may have to cover the difference out of pocket.
Tennessee’s minimum limits may not provide enough protection after a serious accident. One person’s medical bills may exceed the $25,000 bodily injury limit, and damage to a newer vehicle could easily exceed the $25,000 property damage limit. Choosing higher liability limits can reduce the risk that you’ll have to cover remaining expenses out of pocket.
For greater financial protection, insurance experts recommend the following liability coverage limits:
Coverage | Recommended Limit |
|---|---|
| Bodily injury liability | $100,000 per person/$300,000 per accident |
| Property damage liability | $100,000 per accident |
Tennessee doesn’t require drivers to maintain comprehensive or collision coverage. But if you finance or lease your vehicle, your lender or leasing company probably will.
These coverages help pay to repair or replace the car after a covered loss, which protects your lender’s investment. Your lease agreement may also require higher liability limits than Tennessee’s minimums of 25/50/25.If you let any required coverage lapse, your lender could purchase more expensive force-placed insurance and add the cost to your loan payments.[3] The coverage often costs more and may protect you less because its main purpose is to protect the lender’s investment in the vehicle.
The average cost of car insurance in Tennessee is $60 per month for liability coverage and $132 for full coverage. The state requires only 25/50/25 liability coverage, so a minimum policy costs less than one with higher limits and additional protections.
That said, choosing minimum coverage will leave you responsible for more of the potential costs. If you total someone’s $35,000 vehicle, the required property damage coverage would pay only up to $25,000. As the at-fault driver, you could owe the remaining $10,000 in damages out of pocket.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| Mile Auto | $37 |
| Sun Coast | $37 |
| Progressive | $40 |
| Direct Auto | $41 |
| Certainly | $42 |
| USAA | $42 |
| Allstate | $46 |
| AssuranceAmerica | $46 |
| Auto-Owners | $48 |
| GEICO | $48 |
| Travelers | $48 |
| The General | $49 |
| Erie | $52 |
| Trexis | $52 |
| GAINSCO | $58 |
| Safeco | $58 |
| Trexis One | $59 |
| National General | $62 |
| First Acceptance | $64 |
| Dairyland | $65 |
| Mendota | $65 |
| Farmers | $69 |
| Liberty Mutual | $71 |
| Bristol West | $73 |
| Insurify Car | $73 |
| Root | $76 |
| Elephant | $77 |
| Hugo | $93 |
| Chubb | $100 |
| State Auto | $133 |
Tennessee’s James Lee Atwood, Jr. Law created an electronic system to identify uninsured vehicles. Insurance companies regularly send policy information to the Tennessee Department of Revenue, which compares it with vehicle registration records.
If the system can’t confirm your coverage, the department may send you a notice asking for proof of insurance, another form of financial responsibility, or proof that you qualify for an exemption. You’ll need to respond by the stated deadline to avoid fines or a suspended registration.[4]Tennessee also ties insurance coverage to the vehicle, not just the driver. A broad-form policy won’t meet the state’s requirements unless it lists each covered vehicle by vehicle identification number (VIN).
Driving without insurance in Tennessee can lead to fines, a misdemeanor charge, and the suspension of your driving privileges. The consequences may also become more difficult to resolve after your first violation.
Here are the current penalties for uninsured driving in Tennessee:
Initial coverage failure fee: Drivers must currently pay a $25 fee for failure to provide proof of financial responsibility. But starting on July 1, 2027, this fee will increase significantly to $500.[5]
License suspension: You’ll face license suspension for driving uninsured in Tennessee. To reinstate your license, you’ll need to provide proof of insurance, pay a $65 fee, and complete Tennessee’s reinstatement process.
Misdemeanor: Failure to provide proof of insurance or to return your license within 20 days of license suspension is a Class C misdemeanor in Tennessee that requires an additional $75 fee before reinstatement.
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Tennessee’s minimum liability insurance only covers injuries and property damage you cause to others. Insurers in the state also include uninsured/underinsured motorist coverage equal to your liability insurance amounts unless you reject it in writing.
You may want to consider adding this, along with the other coverages below.
Uninsured/underinsured motorist coverage: With roughly 15% of Tennessee vehicles uninsured, keeping this coverage can help cover your expenses if an uninsured or underinsured driver causes an accident.
Comprehensive coverage: Tennessee has experienced 116 billion-dollar disasters since 1980. Comprehensive coverage can protect your vehicle from hail, floods, falling trees, theft, and other non-collision damage.
Collision coverage: This coverage helps pay to repair or replace your car after a crash, regardless of fault. It may offer valuable protection if you couldn’t afford a major repair or replacement vehicle yourself.
Medical payments coverage: Tennessee doesn’t require PIP, but medical payments coverage can help with medical bills for you and your passengers after an accident, regardless of who caused it.
Understanding Tennessee’s car insurance requirements can help you choose appropriate coverage and avoid expensive surprises. Here’s what to know about liability insurance, proof of financial responsibility, and uninsured motorist claims.
Tennessee insurers must include uninsured motorist coverage matching your bodily injury limits unless you reject the coverage in writing. You may also choose lower limits, but not below the state’s minimum requirements of $25,000 per person and $50,000 per accident.
Tennessee drivers need $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $25,000 per accident in property damage liability coverage.
Most drivers meet Tennessee’s proof-of-financial-responsibility requirement by carrying an insurance card, either on paper or electronically, showing that their policy meets the state’s minimum requirements.
Consider filing a claim when an uninsured driver causes an accident or the at-fault driver’s liability limits won’t cover your injuries, vehicle repairs, and other eligible losses.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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24+ years in personal finance writing
Plutus award winner
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
25 years teaching risk management and insurance course
Former commercial lines underwriter
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