Car Insurance in Tennessee
Figures updated
Costs for Tennessee drivers, the legal minimum and which insurers offer the lowest rates
- Full coverage averages $113 each month
- The minimum liability limits are 25/50/25
- 34th most expensive of 51 states (1st = highest).
Tennessee car insurance costs
Tennessee drivers with full coverage pay an average of $1,354 each year, or about $113 monthly Policies that carry just the legal minimum average $599 in annual costs The US average is $1,613 a year, so that sits 16% lower.
| Coverage in Tennessee | Per year | Per month |
|---|---|---|
| Liability | $599 | $50 |
| Collision | $483 | $40 |
| Comprehensive | $272 | $23 |
| Full coverage (all three) | $1,354 | $113 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Legal minimum for Tennessee
Tennessee law requires 25/50/25 liability coverage with these minimum limits. For each person hurt, the limit is $25,000. One crash has a $50,000 limit for everyone hurt. Damage to other people's property has a $25,000 limit.
Tennessee follows at-fault rules. The driver who causes a crash pays from their own liability cover.
You don't need uninsured motorist cover, though most states require insurers to offer it.
Source: Tennessee Department of Revenue, Drive Insured Tennessee.
How many Tennessee drivers lack insurance?
About 21% of Tennessee drivers had no car insurance in 2023, and that was the 5th highest share of the 51. If an uninsured driver hits you, this cover pays your bills.
More about car insurance in Tennessee
is when this was first written