Tennessee Auto Insurance Policy Requirements

Q: What is in a basic Tennessee auto insurance policy?
A: Your Tennessee auto insurance policy will outline the basic kinds of coverage: 

  1. Liability Coverage
    1. Bodily injury and property damage are addressed separately in the insurance world, and therefore liability insurance is divided into two:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is mandatory in Tennessee. Along with having a valid driver’s license, you must at least have a minimum of liability coverage in your auto insurance policy to legally drive in Tennessee:
      1. 25/50/10” (Tennessee’s minimum auto insurance requirement)
      2. $25,000 for costs incurred from injury/death to one person.
      3. $50,000 for costs incurred from injury/death to more than one person.
      4. $10,000 for costs incurred from damage to property.
    3. Leased vehicles have different liability minimums.
  2. Collision Coverage is required by Tennessee law if you have not completely paid off your vehicle. However, if your vehicle has been completely paid for, then it is only recommended to include collision despite that it is not required.
  3. Comprehensive Coverage similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your Michigan auto insurance policy.
  4. Medical Payments Coverage is a noncompulsory but suggested part of a Tennessee auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is recommended for a Tennessee auto insurance policy, but the law does not require it.
  6. Personal Injury Protection (PIP) Coverage is never required for a Tennessee auto insurance policy.
  7. Further Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Tennessee a No-Fault state?
A: No, Tennessee is not a state with no-fault insurance.

Q: How can I get a discount on a Tennessee auto insurance policy?
A: Our list of auto insurance discounts offers more information on obtaining discounts on your auto insurance policy in Tennessee.

Q: Where can I find more information about Tennessee auto insurance?
A: If you are interested in further information, these reliable resources may help:


  1. Tennessee Insurance Resources
    1. The Tennessee Department of Safety issues driver’s licenses and promotes motor vehicle safety.
    2. The Tennessee Department of Commerce and Insurance provides insurance consumers with information on Tennessee insurance laws and regulates the state’s insurance industry
  2. National Insurance Resources

CLICKinsure is pleased to serve the state of Tennessee, the soulful hotbed of country music and Southern hospitality. From Clingmans Dome on the Appalachian Trail to the rolling waters of the muddy, mighty Mississippi, CLICKinsure, as your broker, can clarify the many details of choosing an auto insurance plan and ensure that you receive the best value. Our offerings cover the entire state, including Chattanooga, Clarksville, Kingston, Knoxville, Memphis, Nashville, and the Tri-Cities of Johnson City, Kingsport, and Bristol. Let CLICKinsure be your auto insurance broker for Tennessee.