Coverage designed with you in mind
Located in the Southeastern United States, Tennessee is bordered by eight states, as well as the Mississippi River. The topography is diversified by the presence of the Appalachian Mountains on the Eastern portion of the state. Tennessee's largest cities are the state capital of Nashville and Memphis. Agriculture, tourism and manufacturing dominate the Southern state's economy. It's had a steady hand shaping music over the years and is home to four professional sports teams – football, basketball, hockey and soccer. Interstate 40 crosses the state from east to west, while other portions can be accessed via Interstates 24, 75, 65, 26 and 81.
Finding the right car insurance for you means staying up to date on Tennessee requirements. The table below lists the coverages and minimum coverage limits that are required in Tennessee. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
Tennessee car insurance state minimums
Bodily injury liability
$25,000 limit per person/$50,000 limit per accident
Property damage liability
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.
Other types of car insurance coverage in Tennessee
Tennessee car insurance discounts
It's possible to get quality coverage at a lower rate than you might think. When you get a quote for Tennessee auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- New car discount
- Early Signing Discount®
- Responsible payer discount
- Smart student discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
Insurance bundling discounts
Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you money*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.
Factors that can impact your car insurance rates in Tennessee
In addition to selecting the coverages, limits and deductibles that's right for you, these factors could also affect your car insurance rates in Tennessee:
- The type of car you're insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
Tennessee's rules on electronic proof of insurance
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Tennessee, you are allowed to show an electronic copy of your insurance card on your mobile device.