Protection that is made for you
Nashville is the capital of Tennessee and the state's most populous city. Located on the Cumberland River, in the north central part of Tennessee, Nashville is a major center for music and filled with Southern hospitality. It has hot summers and cool winters and is home to professional football, hockey and soccer teams. Also known as Music City U.S.A., Nashville has a thriving tourism industry, as well as automotive and manufacturing clusters. Interstates 40, 65 and 24 all go through the city.
When it comes to auto insurance, every state has different requirements. For drivers in Nashville, you can see what coverage and coverage limits Tennessee requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.
A Nashville Allstate agent can help you understand the different insurance types available to you.
Nashville car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in Tennessee, so Nashville drivers must have it.
More specifically, the following liability coverages are the minimum required in Nashville:
- $25,000 bodily injury liability limit per person
- $50,000 bodily injury liability limit per accident
- $15,000 property damage liability
Collision¹, comprehensive¹ and uninsured/underinsured motorist¹ coverage are not required for Nashville drivers.
All coverages are subject to the coverage limits stated in your policy.
¹Although Tennessee law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Nashville auto insurance discounts
It's possible to get quality coverage in Nashville at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Nashville drivers can find many ways to save with Allstate.
Multiple policy discount
Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.
New car discount
You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.
Smart student discount
Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Nashville teen driver meets these requirements:
- Is a single, full-time student under the age of 25 and getting good grades
- Attends school at least 100 miles away from where the car is garaged
- Successfully completes the teenSMART℠ driver education program
Proof of insurance in Nashville
If you are stopped by the police and asked to show your auto insurance card, drivers in Nashville can show an electronic insurance card. Most states, including Tennessee, permit drivers to show an electronic proof of their insurance card on a mobile device during a traffic stop.