Tennessee Auto Insurance Requirements, Costs & Coverage Guide 2026
✓ Updated January 2026 – Based on Real Tennessee Quotes

Tennessee Auto Insurance Requirements & Costs

Complete guide to Tennessee car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

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Key Takeaways: Tennessee Auto Insurance Data

Data Source: All rates reflect real first-party auto insurance quotes collected by licensed agents in Tennessee during 2026. These figures represent actual consumer quote activity from the A Plus Insurance Quote Dataset — not advertised or national average rates.

Average Monthly Rate (TN)
$122.57
Based on current Tennessee quote activity, the observed monthly average premium is $122.57 across available carriers and driver profiles.
Liability vs Full Coverage
$44.65 vs $200.48
Liability-only coverage averages $44.65 per month, while full coverage averages $200.48. Coverage level dramatically impacts total premium cost.
Carrier Price Spread
$44.65 – $200.48
The current dataset shows a $155.83 pricing gap — a 349% difference between lowest and highest premiums. Shopping carriers matters in Tennessee.
SR-22 & DUI Impact
+50–100%
Drivers requiring SR-22 certification typically pay 50–80% more. A DUI conviction can increase Tennessee rates 60–100% and remains on record for up to 10 years.

Tennessee Auto Insurance Requirements

Tennessee law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.

At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.

Coverage Type Minimum Required What It Covers
Bodily Injury (per person) $25,000 Medical expenses and lost wages for one person injured in an accident you cause
Bodily Injury (per accident) $50,000 Total medical expenses and lost wages for all people injured in an accident you cause
Property Damage $25,000 Damage to another person’s vehicle or property in an accident you cause
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.

Optional but Recommended Coverage

While not legally required, these coverages provide crucial protection:

  • Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
  • Collision: Covers damage to your vehicle from accidents, regardless of fault
  • Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
  • Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault

Learn more about different coverage types on our auto insurance guide, or explore Tennessee liability insurance options in detail.

Average monthly auto insurance rate by state

Filters: Filters: State TN

Source ... A Plus Insurance Quote Dataset

TN
$122.57
  • Pricing ranges from $122.57 (TN) to $122.57 (TN) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $122.57. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1416 20260206-1147-9208 2026-02-06 TN JASPER 37347 2001 CHEVROLET SILVERADO C1500 52 female divorced liability_only National General DynamicDrive 44.65 0 0 0
1415 20251215-105455-2774 2025-12-15 TN NASHVILLE 37209 2018 HYUNDAI SANTA FE SPORT 24 male single full_coverage Progressive 200.48 0 0 0

How Violations & Risk Factors Affect Your Tennessee Rates

Your driving record and risk profile significantly impact insurance costs in Tennessee. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in Tennessee

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Tennessee Department of Public Safety. You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Tennessee.

Need SR-22 insurance? Learn more about SR-22 insurance in Tennessee and get quotes from providers who specialize in high-risk coverage.

How DUI Affects Your Tennessee Insurance Rates

A DUI conviction has severe consequences for auto insurance in Tennessee:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 10 years in Tennessee

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in Tennessee

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

Cheapest auto insurance companies

Filters: Filters: State TN

Source ... A Plus Insurance Quote Dataset

Progressive
$200.48
National General
$44.65
  • Pricing ranges from $44.65 (National General) to $200.48 (Progressive) ... a spread of $155.83.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $122.57. The spread is about 349% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1416 20260206-1147-9208 2026-02-06 TN JASPER 37347 2001 CHEVROLET SILVERADO C1500 52 female divorced liability_only National General DynamicDrive 44.65 0 0 0
1415 20251215-105455-2774 2025-12-15 TN NASHVILLE 37209 2018 HYUNDAI SANTA FE SPORT 24 male single full_coverage Progressive 200.48 0 0 0

Driver age average monthly by area

Filters: Filters: State TN

Source ... A Plus Insurance Quote Dataset

24
$200.48
52
$44.65
  • Pricing ranges from $44.65 (52) to $200.48 (24) ... a spread of $155.83.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $122.57. The spread is about 349% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1416 20260206-1147-9208 2026-02-06 TN JASPER 37347 2001 CHEVROLET SILVERADO C1500 52 female divorced liability_only National General DynamicDrive 44.65 0 0 0
1415 20251215-105455-2774 2025-12-15 TN NASHVILLE 37209 2018 HYUNDAI SANTA FE SPORT 24 male single full_coverage Progressive 200.48 0 0 0

Driver sex average monthly by area

Filters: Filters: State TN

Source ... A Plus Insurance Quote Dataset

male
$200.48
female
$44.65
  • Pricing ranges from $44.65 (female) to $200.48 (male) ... a spread of $155.83.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $122.57. The spread is about 349% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1416 20260206-1147-9208 2026-02-06 TN JASPER 37347 2001 CHEVROLET SILVERADO C1500 52 female divorced liability_only National General DynamicDrive 44.65 0 0 0
1415 20251215-105455-2774 2025-12-15 TN NASHVILLE 37209 2018 HYUNDAI SANTA FE SPORT 24 male single full_coverage Progressive 200.48 0 0 0

Auto Insurance Coverage Across Tennessee Counties

Find detailed auto insurance information, rates, and requirements specific to your Tennessee county.

Shelby County Davidson County Knox County Hamilton County Rutherford County Williamson County Montgomery County Sumner County Bradley County Sullivan County Blount County Madison County Washington County Sevier County Wilson County Maury County Anderson County Robertson County Putnam County Greene County

Frequently Asked Questions

What are the minimum auto insurance requirements in Tennessee?
Tennessee requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal minimum to drive in Tennessee, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Tennessee?
Auto insurance costs in Tennessee vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Nashville and Knoxville typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Tennessee a no-fault insurance state?
No, Tennessee is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Tennessee.
What happens if I get caught driving without insurance in Tennessee?
Driving without insurance in Tennessee results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Tennessee takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Tennessee?
You need SR-22 insurance in Tennessee if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Tennessee Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Tennessee?
A DUI in Tennessee typically increases your insurance rates by 60-100% and remains on your driving record for 10 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Tennessee?
Yes, most insurance experts recommend purchasing more than Tennessee’s minimum 25/50/15 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Tennessee?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Tennessee drivers $400 or more annually.
Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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