Tennessee Auto Insurance Explained
Coverage That Actually Protects You (Not Just State Minimums)
Tennessee minimum auto limits are legally compliant but financially dangerous. With 20%+ of Tennessee drivers uninsured—the highest rate in the nation—proper coverage is essential. Nashville's growing traffic congestion makes adequate protection critical.
What auto insurance do I actually need in Tennessee?
Tennessee requires 25/50/15 liability coverage, but we recommend 100/300/100 with uninsured motorist coverage. Tennessee has the highest uninsured driver rate in the nation (20%+), making UM coverage absolutely essential. State minimums won't cover a serious accident. Medical bills from a moderate injury easily exceed $25,000, and property damage to newer vehicles can surpass $15,000. We recommend: $100,000/$300,000 bodily injury liability, $100,000 property damage, $100,000/$300,000 uninsured motorist, $5,000 medical payments, and collision/comprehensive with $500-$1,000 deductibles.
Why Tennessee Drivers Need More Than Minimum Coverage
Tennessee has the highest uninsured driver rate in the nation at 20%+. One in five drivers has no insurance. If an uninsured driver hits you, your UM coverage is your only financial protection.
Nashville's rapid population growth has led to increased traffic congestion on I-40, I-24, and I-65. More traffic means higher accident rates and greater need for adequate coverage.
Tennessee experiences tornadoes, ice storms, and flash flooding. Comprehensive coverage protects your vehicle from weather-related damage that liability won't cover.
Tennessee Auto Insurance Coverage Types
Frequently Asked Questions
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