Tennessee car insurance: minimums, prices and your estimate
Tennessee requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Tennessee is an at-fault state with no PIP requirement. Policies include uninsured motorist coverage at your bodily injury limits unless you reject or lower it in writing, and it also applies when the other driver's liability coverage is less than your uninsured motorist limits.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in Tennessee can expect to pay
Monthly ranges from our model, anchored to Tennessee's position in 7 published price studies from 2025 and 2026 ($2,360 a year for full coverage and $622 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $169-$224 | $2,360 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $44-$59 | $622 |
| Young driver, full coverage20, own policy, clean record | $315-$472 | $4,720 |
| Senior, full coverage70, clean record | $163-$215 | $2,266 |
| After one at-fault accident35, full coverage | $253-$337 | $3,540 |
| After a DUI35, full coverage | $296-$443 | $4,437 |
| Poor credit35, clean record, full coverage | $302-$434 | $4,413 |
Build your Tennessee estimate
Rules worth knowing in Tennessee
- You can reject uninsured motorist coverage in writing or choose lower limits, but not below the state minimum. A rejection applies to everyone on the policy and carries over to renewals until you ask for the coverage in writing.
- If you buy uninsured motorist coverage for injuries, your insurer must also offer it for property damage. That part has a $200 deductible, waived when the same insurer provides your collision coverage and the identified other driver was solely at fault.
- If you cannot show proof of insurance when an officer asks after certain traffic violations or a reportable crash, it is a misdemeanor with a fine of up to $300. The charge is more serious if you were uninsured in an at-fault crash that injured or killed someone.
- Instead of a policy, you can prove financial responsibility with a state certificate showing a $65,000 cash deposit or bond, or through self-insurance.
- If Tennessee requires you to file an SR-22, the state sets how long you must keep it, so check the period with the Tennessee Department of Safety.
Questions about Tennessee car insurance
What is the minimum car insurance in Tennessee?
Tennessee requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Tennessee per month?
For a 35-year-old with a clean record, our model puts full coverage at about $169 to $224 a month and state-minimum coverage at about $44 to $59. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Tennessee a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Tennessee use my credit score?
Yes. Many insurers in Tennessee use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Tennessee?
Only if a court or the state requires one, usually after a serious violation or a lapse. If Tennessee requires you to file an SR-22, the state sets how long you must keep it, so check the period with the Tennessee Department of Safety.