What are the minimum requirements for Tennessee car insurance?

All drivers in the Volunteer State are required to have liability coverage limits of at least:

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

Keep in mind that these are the minimum coverages you need, but you can increase your auto liability insurance for better protection — and peace of mind.

Protect your ride with comprehensive and collision coverage

If you're leasing or financing your vehicle, most lenders will require comprehensive and collision coverage. But even if you no longer have a car loan, consider adding these coverages in case you're in an accident or your vehicle gets stolen.

Learn more about auto insurance coverages available through Progressive.

Our Name Your Price® Tool allows you to tell us how much you want to pay for car insurance — then we'll show you the options that fit your desired price.

How much is car insurance in Tennessee?

In 2017, Tennessee had lower average auto insurance expenditures than most other states, according to III.org. Keep in mind that rates may vary based on factors like your driving history, ZIP code, and the limits and coverages you choose.

Does Progressive offer discounts that can drive down the cost of my car insurance?

Absolutely. You can find cheaper auto insurance in Tennessee with discounts like:

  • Multi-policy
  • Five-year accident-free
  • Continuous insurance
  • Paperless
  • Multi-car
  • Online quote
  • Three-year safe driving
  • Electronic Funds Transfer (EFT)

See all auto insurance discounts.

Know these Tennessee driving facts before you hit the road:

  1. Texting while your vehicle is moving is banned in Tennessee. Avoid a ticket and stay safe by continuing the conversation once you get where you're going.

  2. Tennessee ranked fifth in the country for most uninsured drivers in 2015. If you carry uninsured motorist coverage, you're protected even if the other driver can't pay.

  3. Tennessee is one of 20 states that prohibits leaving a child unattended in a vehicle.

How to get car insurance in Tennessee


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