Tennessee law requires drivers to carry liability car insurance in the amounts of 25/50/15. This includes:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
While only liability insurance is mandated by state minimum coverage requirements, it’s a good idea to get a full coverage policy that includes collision coverage, comprehensive coverage and underinsured/uninsured motorist coverage to ensure you’re protected.
Is Tennessee an At-Fault State or a No-Fault State?
Tennessee is an at-fault state. This means the driver who is found to be at fault for an accident will be legally and financially responsible for any damage caused by the accident. The vast majority of states across the country follow at-fault insurance laws, which makes Tennessee car insurance relatively standard.
How To Get Car Insurance in Tennessee
Based on our research, we recommend USAA, State Farm, Geico and Tennessee Farmers as the top choices for auto insurance in Tennessee for their low average rates and positive industry reputations. To get a sense for what you might pay for coverage, reach out to providers to compare car insurance quotes and find the best option for your needs.