Tennessee Car Insurance

Whether you’re commuting to Nashville or camping in the Great Smoky Mountains, a Farmers FlexSM Personal Auto policy now offers new coverage options designed for how you drive today, so you can choose the insurance you want. New discounts can help you save even more.

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What car insurance is required in Tennessee?

A car insurance policy with a minimum amount of liability coverage is required in Tennessee, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want. If you have a car loan or lease, your lender may require you to have additional coverage, such as collision and comprehensive.

As of March 2023, 25/50/25 liability coverage limits are the minimum required in Tennessee.



Bodily injury liability

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

Property damage liability

$25,000 per accident


Bodily injury liability


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


Property damage liability


$25,000 per accident

How much does car insurance generally cost in Tennessee?

Tennessee drivers paid an average of $987 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s slightly lower than the national average of $1,176 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

Does insurance follow the car or driver in Tennessee?

Typically, car insurance in Tennessee follows the car, not the driver, depending on the coverages in your policy. This is known as ownership liability, which means if you allow a family member or friend to drive your car, they may be covered by your insurance policy.

What does car insurance typically cover in Tennessee?

A typical car insurance policy in Tennessee includes coverage for bodily injury and property damage liability, as well as optional uninsured/underinsured motorist, collision and comprehensive coverage in case of covered damage or theft.

Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Tennessee with a Farmers Flex Personal Auto policy.

Tennessee car insurance discounts

Farmers offers a variety of discounts for drivers in Tennessee. For example:

  • Welcome Discount 
  • Loyalty Discount 
  • Five-Year Accident-Free Discount 
  • Multi-Policy Discount 
  • Signal®, which can reward you with an initial discount when you use our Signal app

See more information about additional discounts that may be available in Tennessee.

Great Smoky Mountains National Park

Waterfalls, wildflowers, spectacular fall foliage — no wonder it’s America’s most visited national park. The Great Smokies get their name from the fog that drifts over them most mornings, not from actual smoke. — National Park Service

More coverage options in Tennessee

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Tennessee home insurance

Learn more about what home insurance in Tennessee covers, available discounts and more.

View home insurance coverage details and discounts for Tennessee

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Renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Tennessee

Learn From Experience

Still have questions about cars and car insurance in Tennessee? We have answers.

Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.  

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.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.