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Tennessee Auto Insurance

Be protected on the road

When it comes to auto insurance, every state is different. See what coverages and coverage limits Tennessee requires in the table below. These requirements are just a starting point — you may want to purchase additional coverage or increase your coverage limits.

A Tennessee Allstate agent can help you understand the different insurance types available to you.

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When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

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Auto insurance requirements are based on your location.

Coverage Type
Tennessee Requirements1
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$25,000 limit per person/$50,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures—when an accident is your fault.
$15,000 limit
Uninsured Motorist
Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance.
Not required
Medical Payments
If you and/or your passengers are hurt in an accident, this can cover your medical or funeral expenses.
Not required
Collision
Covers expenses to repair or replace your vehicle that's been damaged in an accident.
Not required2
Comprehensive
Covers expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required2

All coverages are subject to the coverage limits stated in your policy.

1https://www.tn.gov/commerce/insurance/consumer-resources/homeowners-automotive-insurance-information.html

2Although 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.

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State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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