Auto Insurance in Tennessee (2026)
Average costs, state requirements, top providers, and tips for TN residents.
Tennessee Auto Insurance at a Glance
Tennessee Minimum Auto Insurance Requirements
Tennessee requires drivers to carry minimum liability coverage of 25/50/15 (per person / per accident bodily injury / property damage).
Our recommendation: State minimums are rarely enough. We recommend at least 100/300/100 to protect your assets. With 16.7% of TN drivers uninsured, also consider uninsured motorist coverage.
How to Save on Auto Insurance in Tennessee
- ✓Compare quotes from at least 3 insurers — prices vary by 50%+ for identical coverage
- ✓Bundle auto + home/renters for 10–20% discount
- ✓Ask about good driver, low mileage, and defensive driving discounts
- ✓Maintain a clean driving record — TN accidents stay on record 3–5 years
- ✓Raise your deductible to $1,000 if you have emergency savings
- ✓Check if your employer or alumni association offers group rates
Auto Insurance in Other States
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