Tennessee car insurance

Whether cruising through Nashville or Memphis with your car radio tuned to country, the blues, or rock 'n' roll, every Tennessean driver needs sound auto insurance protection. We'll show you coverage options, ways to save, and requirements for car insurance in Tennessee. Plus, find out how to easily get a Tennessee car insurance quote through Progressive.

4 min to read

Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Tennessee’s minimum auto insurance requirements?

Drivers in Tennessee are required to have auto liability coverage (BI liability and PD liability), at the following minimum limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident

While these are Tennessee's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Tennessee a no-fault state?

No. Tennessee is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Tennessee?

The average cost of a six-month liability-only policy in a low-cost state like Tennessee is $79.83 per month.^* Keep in mind that rates may vary based on factors like your driving history, ZIP code, and the limits and coverages you choose. See more about car insurance cost factors.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in Tennessee?

Finding the best car insurance in Tennessee means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Tennessee get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Tennessee, here's how much drivers nationwide saved on average after switching to Progressive compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $775 on average^††
GEICO customers who switch and save with Progressive save $740 on average^§
State Farm customers who switch and save with Progressive save $565 on average^‡

How do I lower my car insurance cost in Tennessee?

To lower your car insurance cost in Tennessee, you may qualify for the following discounts through Progressive:

Multi-policy
Five-year accident-free
Continuous insurance
Paperless
Multi-car
Online quote
Three-year safe driving
Electronic Funds Transfer (EFT)

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Tennessee is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Tennessee's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Tennessee driving resources

From Memphis to Knoxville, get to know Tennessee's driving laws and resources. Local municipalities may have additional laws and resources.

Tennessee Driver Services: Find out how to get or renew your Tennessee driver's license, non-driver ID, and registration.
Tennessee traffic safety laws: Learn about traffic safety laws including rules about texting while driving, seat belt laws, DUIs and penalties, child safety restraint rules, and other important things to know when driving in Tennessee.
Tennessee driving FAQs: Get answers to your questions about using online driver services for current residents and those who are new to Tennessee.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.