How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in Tennessee? Whether you live in Memphis, Knoxville, Chattanooga or Nashville, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for Tennessee. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the TN's Graduated Driver Licensing chart below for more information.

For more information on this state, visit the Tennessee State Information or Tennessee State Catastrophe page.

Tennessee Coverage Scale

Choosing what auto insurance coverages are right for you in Tennessee can be challenging. You can use the Tennessee auto insurance coverage levels chart below as a starting point for understanding the Tennessee coverage level requirements and for reviewing the most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		$25,000 / $50,000	$100,000 / $300,000

	Property Damage Liability		$15,000	$50,000

	Uninsured Motorist Bodily Injury		Not required*	$100,000 / $300,000

	Medical Payments		Not required*	$2,000

	Collision		Not required*	$500 deductible

	Comprehensive		Not required*	$100 deductible

Tennessee Graduated Driver Licensing

Help keep your teen driver safe on the road by reviewing the Tennessee Graduated Driver Licensing (GDL) laws with them. Tennessee has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.


	Minimum Entry Age (Optimal: 16)			15
	Minimum Entry Age (Optimal: 16)			15

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has optimal provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has the provision but it is not optimal

	Passenger Restriction (Optimal: No teenager passengers or only one-family excepted)			Has optimal provision

	Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)			17

Start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Kentucky, Georgia, Alabama, Mississippi, Arkansas, Missouri, Illinois

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Tennessee. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

Start a Quote Now

Please Enter a Valid ZIP Code

Enter ZIP Code Enter ZIP Code

Why are we asking for your Zip Code?

Rates and insurance options (and their availability) vary according to your state's regulations.

Type of Insurance Type of Insurance

Retrieve Your Saved Quote Find an Agent

Find an Agent

Customer Log In

Tennessee

Auto Insurance Coverages

Tennessee Coverage Scale

Tennessee Graduated Driver Licensing

Insurance Toolbox