Auto Insurance in Tennessee
Everything you need to know about auto insurance rates, requirements, and savings in Tennessee.
Average Annual Costs
$1,400
Typical range: $1,120 - $1,680
Minimum Liability Requirements
$25,000/$50,000/$15,000
Format: Bodily injury per person / Bodily injury per accident / Property damage
Fault System
at-fault
In at-fault states, the driver responsible for the accident pays for damages. Your insurance company defends you in court if needed.
Factors Affecting Your Rates in Tennessee
- Driving record and accident history
- Age and gender
- Credit score
- Vehicle type and safety features
- Annual mileage
- Coverage limits selected
- Deductible amount
Ways to Save on Insurance in Tennessee
- Bundle auto with home or renters insurance
- Maintain a clean driving record
- Take a defensive driving course
- Ask about low-mileage discounts
- Increase your deductible
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