Tennessee auto insurance laws are fairly straightforward. But that doesn't mean you're getting the best deal on auto insurance that you possibly can.
This guide:
• Explains Tennessee auto insurance laws and requirements
• Describes how Tennessee auto insurance rates are decided
• Shows you how you can save money by comparing multiple quotes
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Tennessee car insurance laws
Tennessee is considered a tort state, which means that as a resident you're financially responsible for the damage and injury you cause in an auto accident. To drive a car in Tennessee, you're required to show proof of your financial responsibility.
Most drivers opt to show responsibility (and protect themselves!) by purchasing Tennessee car insurance.
Tennessee auto liability minimums are 25/50/10. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for damage you cause to the other party's property.)
Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect.
Tennessee auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.
You may want to consider purchasing any or all of these policies, particularly uninsured and underinsured motorist coverages. These two policies help cover the cost of your injuries and property damage should you be struck by a driver with inadequate liability insurance.
Sidebar If you are a Tennessee resident, you may be able to save on your premium by visiting Electric Insurance. Their policies are available only to those drivers whose credit and driving records could be described as being at least good.
For better or for worse, the price of Tennessee auto insurance is decided by the behavior of the state's drivers as a whole. Tennessee auto insurance companies take the cost of insuring Tennessee drivers (this includes settlements and legal fees) and divide it up among the drivers.
But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all insurance companies compute their figures in the same manner. So they'll charge different rates on the same driver.
What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Tennessee auto insurance policy.
Fortunately, shopping around is easy to do online.
Where you can get Tennessee auto insurance quotes.
The following web sites will help you find Tennessee car insurance quotes: (these links will open in a new window)
• ComparisonMarket is the best online insurance shopping service, and the place where you're likely to get the best coverage for the least money.
• Netquote is very helpful if you want a local agent to contact you, to help you set coverage levels and decide on policy options.
• Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!
• Get quotes by ZIP Code. Enter your ZIP below to get a quote from a provider right in your neighborhood:
More TN car insurance advice and help
If you want more help designing your TN auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.
Then subscribe to our free email course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible auto plan for you and your family. (Or your small business).
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