Tennessee Auto Insurance Rates & Requirements

Covers medical bills, lost wages, and legal costs when you injure someone in an at-fault crash. Tennessee's minimum of $25,000 per person is low relative to typical injury costs — a single serious injury often exceeds $100,000. Underinsured drivers in Tennessee face direct lawsuits for amounts exceeding their policy limits, making higher limits critical.

Pays for damage to other vehicles, buildings, or property you hit. The $25,000 minimum may not cover a totaled newer vehicle — average new car value in the U.S. exceeds $48,000. Tennessee does not require collision coverage for your own vehicle, meaning at-fault drivers must pay out-of-pocket for their own repairs if carrying only minimums.

Protects you when an at-fault driver has no insurance or flees the scene. Tennessee has an uninsured motorist rate near 17%, above the national average of 13%, making this coverage especially relevant. Insurers must offer uninsured/underinsured motorist coverage equal to your liability limits unless you decline it in writing.

Repairs or replaces your vehicle after a crash regardless of fault. Tennessee does not mandate collision coverage, but lenders require it for financed or leased vehicles. Given Tennessee's rural road network and higher rates of single-vehicle crashes on winding routes, collision coverage offers important protection beyond state minimums.

Covers non-collision damage including hail, theft, vandalism, and animal strikes. Tennessee ranks high for deer collisions — approximately 1 in 130 drivers will hit a deer annually according to claims data. Comprehensive also covers tornado and severe storm damage, which occurs frequently across Middle and West Tennessee.

Meets Tennessee's 25/50/25 liability requirement with no collision or comprehensive coverage. Leaves you fully exposed for damage to your own vehicle and vulnerable to out-of-pocket costs if the other driver is uninsured.

Increases liability limits to 100/300/100 and adds uninsured motorist protection. Provides better protection against lawsuits and coverage when hit by uninsured drivers, which is common in Tennessee.

Adds collision and comprehensive with a $500 deductible to Standard Coverage limits. Covers your vehicle regardless of fault and protects against theft, weather damage, and animal strikes prevalent in Tennessee.

Covers injuries and property damage you cause to others. Tennessee's tort system allows injured parties to sue for amounts exceeding your policy limits, making higher liability limits essential for asset protection.

Combines liability, collision, comprehensive, and uninsured motorist protection. Covers both your vehicle and others regardless of fault, offering complete financial protection in crashes, theft, and weather events.

Pays for non-crash damage including theft, hail, falling objects, fire, and animal strikes. Covers your vehicle's actual cash value minus your deductible regardless of fault.

Repairs or replaces your vehicle after crashes with other vehicles or objects, regardless of who caused the accident. Pays up to your vehicle's actual cash value minus your chosen deductible.

Covers your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Also applies in hit-and-run crashes where the responsible party cannot be identified.

A certificate of financial responsibility filed by your insurer with the Tennessee Department of Safety, required after DUI convictions, driving without insurance, or multiple serious violations. Not a separate policy, but proof your coverage meets state requirements.