Tennessee Car Insurance FAQ - Quick Answers

On average, Tennessee drivers pay $1,263 per year for car insurance. This is lower than the national annual average of $1,311. As a vehicle owner in Tennessee, you can find the best rates by comparison shopping.  

No. Tennessee is considered an "at-fault" state, which means the person responsible for the car accident is the one who pays for damage and injuries. 

Your Tennessee car insurance policy will look different than anyone else's because it's customized to your specifications. However, there are common coverage options that are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

In Tennessee, you'll be required to carry car insurance at the state minimum liability limits or more as follows:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $15,000 in property damage liability

Every state has it's own appointed carrier options, but knowing which one is the best for your auto policy can be tricky. In Tennessee, State Auto, Safeco, Nationwide, and Travelers are all viable markets when it comes to coverage. These insurance companies are highly rated due to their protection offerings and customer service. 

Yes. Car insurance is mandatory at the state minimum limits in Tennessee. If you're found without proper coverage you could face serious penalties or worse.

In Tennessee, the car insurance follows the vehicle. This means that if you lend someone your car, then they are also borrowing your insurance policy. 

Do You Know What Your Car Insurance Covers in Tennessee?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Brentwood26.10.42$982
Chattanooga19.47.23$1,649
Clarksville24.72.92$1,111
Cleveland18.74.11$1,612
Columbia27.92.45$1,234
Dyersburg183.19$1,084
Franklin25.30.65$987
Jackson17.62.91$1,021
Kingsport195.04$1,217
Knoxville20.55.21$1,484
Memphis21.76.22$1,549
Murfreesboro26.91.81$1,193