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Tennessee car insurance

Tennessee Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Tennessee mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Failure to provide proof of insurance coverage could result in a Class “C” misdemeanor, $100 fine, and license suspension.

Tennessee Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Tennessee they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $15,000

Tennessee Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Tennessee does not require this coverage.

No Fault Insurance
In Tennessee, you are not required to carry no-fault insurance. Tennessee is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.