Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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Tennessee state flagKnown as “The Volunteer State,” Tennessee was home to some of America’s greatest political figures such as Davy Crockett, Andrew Jackson, and Sam Houston. With a motto like “Agriculture and Commerce” it’s no secret that Tennessee knows how to do business. Tennessee sports two large metropolitan cities: Nashville and Memphis. In recent years, people have been moving from some of the more densely populated states such as California and Florida in favor of Tennessee’s low cost of living and booming automobile industry. In a completely landlocked state like Tennessee it’s no wonder that one of its largest industries is automobiles. The cars, vans, and trucks produced will eventually make their way onto the road, so it’s only logical that auto insurance is a big deal in Tennessee.

Many new drivers are thoroughly confused when it comes to buying auto insurance. This stigma was probably brought on by the fact that there are so many providers to choose from and regulations to follow. But fear not, buying insurance is not as hard as it’s hyped up to be. It’s important to do a lot of research before buying auto insurance because of sheer importance of having protection. It’s often recommended that you are familiar with the regulations set in place by the state’s Department of Insurance and Department of Transportation before buying insurance. Many of the facts and details will be covered below, but it’s still important to be completely sure of what you’re getting before you get it.

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Tennessee Auto Insurance Requirements

In Tennessee, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $15,000 per accident

Take a look at how Tennessee’s minimum rates compare with surrounding states.

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Optional coverage options in TN include:

  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing and Labor Coverage
  • Uninsured Motorists Coverage

First of all, many states require you to have coverage in three distinct areas. These areas include: bodily injury, accidents, and property damage. All insurance providers have to comply with the state’s set minimums on the amount of coverage required for these three categories. Bodily injury consists of all the medical expenses associated with the damages inflicted during an accident. For the state of Tennessee the minimum for bodily injury per person is $25,000. The next minimum is for specific accidents. It’s required that there be a $50,000 minimum amount of coverage per accident. Finally, the last category of coverage is property damage. This category covers all the expenses needed to repair or replace your vehicle after an accident and the minimum set for this is $15,000.

Though these are the minimum set requirements, it’s not always recommended that you only get the minimum. The amount of coverage you should get varies depending on your needs, which makes auto insurance policies such private and personal agreements. For example, if you know that you personally have a medical condition that would make injuries sustained during an accident more severe than other people; you should probably look into getting more coverage for bodily injury. In contrast, if you drive a luxury car, it would generally be wise to get more than the minimum coverage for property damage to make up for the high cost of the vehicle.

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Tennessee Auto Insurance Rates

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The price for insurance varies greatly in Tennessee, however. Depending on where you’re located, the price can vary from $900 to $1,600.

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On average, the price for auto insurance in Tennessee is about $1000. It’s shocking how the price fluctuates between rural Tennessee and major cities; major metropolitan areas like Memphis will have average insurance premiums of about $1,600 while other cities such as Nashville will offer the same insurance at about $1,200.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Tennessee Auto Insurance rates by Company

Though the state boasts fairly low auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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TN Driving Statistics

It’s important to remember that driving is often times very dangerous and that you have to take great precaution on the road. From 2003 to 2007, a total of 675,545 people have been involved in some kind of auto accident. In that same course of time, 48,000 people suffered from injuries and more than 5,000 people were killed. Even though you should be covered by some insurance policy, it’s very important to remember to be your safest on the road because of the high rates of incidents. The amount of auto theft in Tennessee is quite high as well. In 2009 alone, there were 14,973 stolen vehicles reported, making the rate 237.8 thefts per 100,000 vehicles. Fortunately, the rate has been decreasing since 2001, but it is still a great number of vehicles.

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TN Auto Insurance Quotes

Looking for a place to get an insurance quote can often times be difficult, that’s why here at 4AutoInsuranceQuote.com we try to make things as simple as possible for you. We can easily help you find the best insurance rates in Tennessee. If you’re interested in getting a quote for insurance policies in your area, simply scroll back to the top of the page and enter your zip code to begin.

Tennessee Auto Insurance Agents

Tennessee Auto Insurance Agents

Additional Tennessee Auto Insurance Resources