Car Insurance Coverage Requirements for Tennessee Drivers

Car Insurance Coverage Requirements for Tennessee Drivers

As a resident of the home of the Grand Ole Oprey, the Great Smoky Mountains and Elvis Presley, you’re required to have auto insurance any time you get behind the wheel. While there are a variety of options you can use to personalize your policy, there are a number of predetermined coverage amounts and limits to which you must adhere. Before you begin shopping for the best possible car insurance Tennesee policy, make sure you’re aware of the following minimum requirements, and what each feature means.


Bodily Injury Liability ($25,000 per person; $50,000 per accident)


This type of coverage guards against financial losses that result from injuries sustained during an accident.


Property Damage Liability ($15,000 per accident)


Property damage coverage works similarly to bodily injury liability, but relates to property damage you cause while operating your vehicle.


While the aforementioned coverage levels are required before you can operate a vehicle in Tennesse, you may also want to consider adding the following to your car insurance Tennessee policy.


  • Collision coverage
  • Comprehensive coverage
  • Uninsured/Underinsured motorist coverage
  • Medical payment coverage
  • Rental car coverage


Keep in mind that, while the minimal requirements discussed apply to all Tennessee drivers, there are certain situations, like if you are leasing a car or are still paying one off, which may require additional coverage levels. Before you purchase a car insurance Tennessee policy, speak with an insurance professional to determine your specific coverage needs.


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