Tennessee Auto Insurance Rates & Requirements
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
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Tennessee at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Tennessee operates as an at-fault tort state, meaning the driver responsible for an accident is liable for damages. The state requires all drivers to carry proof of financial responsibility — either an active insurance policy meeting minimum limits or a certificate of self-insurance. Tennessee law also mandates electronic verification of insurance through the Tennessee Monitoring System Governing Committee (TMSGC), which checks coverage status in real time during traffic stops and registration renewals.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
about $87/mo
Average car insurance spending in Tennessee
Rate data: NAIC Auto Insurance Database, 2023
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Compare Rates and Get CoveredFrequently Asked Questions
Is Tennessee a no-fault insurance state?
No, Tennessee is an at-fault tort state. The driver responsible for an accident is liable for damages, and injured parties can sue for compensation beyond insurance policy limits. This makes carrying liability coverage above the 25/50/25 minimum critical, as a serious crash can result in personal financial liability if your limits are exhausted.
Coverage Types
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage into a complete protection package. Covers damage to your vehicle, injuries you cause, and losses from uninsured drivers or weather events.
Liability Insurance
Covers bodily injury and property damage you cause to others. Tennessee's at-fault tort system allows injured parties to sue for damages beyond your policy limits, making higher limits a financial safeguard.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Deductibles range from $100 to $1,000, with lower deductibles increasing monthly premiums.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage depending on policy structure.
Collision Coverage
Pays for damage to your vehicle after a crash with another car or object, regardless of who's at fault. Required by lenders on financed vehicles.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer to prove you carry state-required coverage after certain violations. Not a separate policy, but a filing attached to your existing insurance.