Tennessee car insurance requirements
Every driver in Tennessee must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Tennessee drivers should know
- Tennessee requires at least 25/50/25 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Tennessee verifies coverage electronically, and driving uninsured can bring fines and suspension of your registration.
- Uninsured motorist coverage is included unless you reject it in writing.
Home insurance in Tennessee
- Tornadoes, severe storms and hail are common, and parts of the state also see flooding — which needs a separate flood policy.
- Many policies use a separate wind and hail deductible; check what it would cost you after a storm.
Ways to save in Tennessee
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.