Liability Car Insurance in Tennessee
Numbers refreshed
The cheapest legal policy in Tennessee: the price you pay and the gaps it leaves.
- $50.the average monthly cost for liability.
- 25/50/25.the minimum liability limits.
- 34th of 51.the most expensive state (1st = highest).
Tennessee liability insurance prices
The average price for liability-only car insurance in Tennessee is $599 a year, about $50 a month. For liability, Tennessee ranks as the 32nd most expensive state.
| 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).
What you still pay under the minimum
In Tennessee, at least 25/50/25 liability coverage is required. That means $25,000 for each person hurt and $50,000 for everyone hurt in a single crash. It also means $25,000 covering damage to other people's property.
Other people are the ones your liability coverage pays. You pay for repairs to your own car out of pocket unless you add collision.
Beyond your limits, a claim can be made against you for the rest of the crash cost. Raising your limits usually costs far less than the protection you gain.
Learn more about car insurance in Tennessee
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