Does Tennessee require car insurance?
Car insurance is required in Tennessee. All drivers in the Volunteer State must carry 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 coverage 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 coverage options that meet your needs.
How much is auto insurance in Tennessee?
In 2018, Tennessee had lower average auto insurance expenditures than most other states, according to the Insurance Information Institute. Keep in mind that rates may vary based on factors like your driving history, ZIP code, and the limits and coverages you choose.
See more about car insurance cost factors
What car insurance discounts are available for Tennessee drivers?
Progressive offers several ways to lower the cost of your car insurance. You can find cheaper auto insurance in Tennessee with discounts like:
- Five-year accident-free
- Continuous insurance
- Online quote
- Three-year safe driving
- Electronic Funds Transfer (EFT)
Save money and protect your most valuable assets by bundling your car and homeowners insurance in Tennessee. Progressive lets you bundle two or more policies, so if you rent or own your home, own an RV, or drive a motorcycle, you can save money when you bundle any combination of auto, home, RV, or motorcycle insurance policies.
See all auto insurance discounts.
Ready to switch? Drivers nationwide who switch and save with us save over $650 on average.* Get a car insurance quote today.
Know these Tennessee driving facts before you hit the road:
Texting while your vehicle is moving is banned in Tennessee. Stay safe and avoid a ticket by continuing the conversation once you get where you're going.
Tennessee ranked third in the country for most uninsured drivers in 2019. If you carry uninsured motorist coverage, you're protected even if the other driver can't pay.
Tennessee is one of several states that prohibits leaving a child unattended in a vehicle.
How to get car insurance in Tennessee
We ask easy questions, and you customize your coverages.
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