The auto insurance coverage you need — with discounts available

Whether you drive a sports car, SUV, or luxury sedan, you recognize the need to protect your vehicles and financial assets. 

Farmers® auto insurance gives you the freedom to design a policy around your specific needs. You may also qualify for discounts on your annual premium. 

Learn more about Farmers auto coverage options for Tennessee drivers.

Get a quote

Types of auto coverage available in Tennessee

Here’s a rundown of the main types of auto coverage available in Tennessee:


  • Covers the cost of injury to others and damage to their property when you’re at fault
  • Required by law in nearly all states


  • Pays to repair or replace your own vehicle when you’re at fault
  • Covers collisions with other vehicles, objects, and animals


  • Covers damage to your car caused by things besides a collision
  • Includes hail, wind, theft, fire, vandalism, animal damage, and more

Uninsured / Underinsured Motorist

  • Covers your losses caused by an uninsured or underinsured driver
  • Helps payfor damage to your car and bodily injury to you and your passengers

Medical Payments

  • Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
  • Provides this coverage no matter who’s at fault

Personal Injury Protection (PIP)

  • Helps cover the cost of your rehabilitation and lost wages resulting from an accident
  • Covers you no matter who’s at fault

Tennessee auto insurance minimum coverage requirements

Below are the required auto coverage amounts in Tennessee. Keep in mind that these are state minimums, not the actual amounts you may want. Your local Farmers agent can help as you select the right level of coverage for your needs.


Bodily injury


$25,000 per person; $50,000 per accident


Property damage


$15,000 per accident


Uninsured motorist bodily injury


$25,000 per person; $50,000 per accident


Underinsured motorist property damage


$15,000 per accident

Tennessee auto insurance discounts

Farmers offers a variety of discounts for our car insurance customers based in Tennessee. For example:

Youthful driver

See a list of potential auto insurance discounts. Not all listed discounts are available in Tennessee.

View more coverage options in Tennessee


Home insurance

Your home is an investment, and you want to protect it like that. Learn more about our Home insurance offerings to help you build the policy that works best for your life style.

View home insurance coverage details for Tennessee

Learn From Experience

Expand your knowledge base with articles relevant to you.

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

She Thinks Zipper Merging Is Rude. It Drives Him Nuts. What Car Pros Say About Controversial Rules of the Road

When one driver’s habits are another’s worst nightmare, who’s right and who’s wrong? Automotive experts and researchers weigh in with science, technology and driving best practices to settle the bet, once and for all.

You May Be Cleaning Your Car All Wrong, According to These Pro Detailers

These pro auto detailers have seen some pretty disturbing things. (A family of mice living in a car, anyone?) Find out their trade secrets to help keep your car in pristine condition. Hint: You may never use those cup holders again.