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Tennessee
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Tennessee Insurance

From the banks of the Mississippi River in Memphis to the Great Smoky Mountains in the East, Tennessee’s scenic roadways have so much to offer! Get your fill of the “Volunteer State” by car with insurance from Direct Auto & Life Insurance.

Direct is proud to offer affordable personal auto insurance and commercial auto insurance in Tennessee. You can get a free auto insurance quote online, over the phone, and in-person at Direct offices across Tennessee. Understanding the auto insurance requirements in Tennessee will help you choose the affordable coverage that fits you—and your budget.

Tennessee Car Insurance Laws

If you're a Tennessee driver, there are certain minimum motor vehicle financial responsibility requirements you need to meet. Sounds like pretty heavy stuff, but there’s no need to get your gears in a grind! Here’s what it means: in order to drive legally, you’re required to have a certain amount of car insurance, motorcycle insurance, or commercial car insurance. Every state has its own minimum financial responsibility requirements, so if you’re new to the state, you’ll want to call your insurance company to make sure your coverage matches Tennessee's requirements.

Not sure if you meet the state's requirements? Don't know where to get affordable Tennessee auto insurance? Wondering whether you qualify for commercial auto insurance in Tennessee? If you’ve got questions, we’ve got answers! Check out our guide to Tennessee car insurance laws below so you can stay legal on the road.

What are Tennessee's car insurance requirements?

All Tennessee drivers must adhere to state laws about car insurance. This means purchasing, at minimum, two types of coverage for your insurance plan: Bodily Injury Liability and Property Damage Liability. You'll also need to keep proof of insurance in each of your registered vehicles at all times.

Here's what you need to know about Tennessee car insurance state minimums:

What is Bodily Injury Liability (BIL) Coverage? Bodily Injury Liability helps pay for medical and legal protection in the event that you or another insured on your policy cause bodily injury to another person while operating your vehicle. You'll need coverage of, at minimum $25,000 to cover injury or death to any one person that results from an auto accident, and $50,000 to cover injuries to or death of more than one person resulting from an auto accident.

What is Property Damage Liability (PDL) Coverage? Property Damage Liability helps pay for damage to another person's property caused while operating your vehicle. This covers damage to property such as vehicles, poles, fences, etc. You'll need coverage of at least $15,000 for property damage for one accident.

The “limit” for both these types of coverage is the maximum amount your insurance company will pay. Read more about Tennessee’s financial responsibility laws, access SR-22 forms, and review the penalties for violating these laws on Tennessee’s Department of Safety site.

What if I don't meet Tennessee car insurance minimum coverage requirements?

Tennessee takes a tough stance against uninsured drivers. Without proof of insurance, you cannot register your vehicle. If you are pulled over and do not meet the state's minimum requirements for auto insurance or do not have proof of insurance, you could face serious repercussions.

In 2015, Tennessee passed new laws creating harsher penalties for uninsured Tennessee drivers. While failure to provide evidence of financial responsibility has long been a Class C misdemeanor punishable by a fine, the new Tennessee laws aimed at uninsured drivers increase the fine for not carrying proof of insurance from $100 to $300. These laws also give law enforcement authority to tow your vehicle on the spot if you cannot provide proof of insurance during a traffic stop. Once the State is notified of a conviction, your driver’s license is suspended, according to the Tennessee’s Department of Safety. Read more about Tennessee’s Financial Responsibility Law.

Are there requirements for commercial auto insurance in Tennessee?

Like personal vehicles, commercial vehicles are subject to minimum financial responsibility requirements. But, different types and sizes of vehicles will have different commercial insurance coverage requirements. For instance, company cars must typically be covered by the same liability minimums as passenger cars. Larger commercial vehicles, though, tend to have much higher liability requirements.

The amount of liability coverage you need for your commercial vehicle will depend on the vehicle’s size and weight, how the vehicle is used, the number of passengers it carries (if any), and the type of cargo it transports. Before choosing a commercial auto insurance policy in Tennessee, talk with your insurance agent to help make sure the coverage you’re selecting is right for the needs of your business.

Where can I get Tennessee car insurance?

Whether you need to meet Tennessee state minimums for car insurance, or simply want more coverage to account for unexpected scenarios and expenses, Direct Auto & Life Insurance is a car insurance provider that will work with you to get the right coverage for your needs.

Direct offers the coverage and services you need, plus great customer service, to help you stay within your budget and prepare for the unexpected. With insurance discounts, customizable payment plans, and more, Tennessee drivers can count on Direct to keep them covered.

More Information About Tennessee Car Insurance

Whether you’re shopping for car, motorcycle, or commercial auto insurance in Tennessee, it’s OK to have questions! Learn about other Tennessee auto insurance options like UM coverage, or get an affordable auto insurance quote by contacting Direct online, over the phone at 1-877-GO DIRECT (1-877-463-4732), or by stopping by one of our Tennessee office locations.

Tennessee Driving Laws to Know

  • Texting while driving in TN is illegal. (TCA 55-8-199)
  • All motorcycle operators and passengers are required to wear a helmet. (TCA 55-9-302)
  • Drivers are required to wear safety belts at all times when operating a vehicle in TN; drivers are also responsible for ensuring that all passengers are wearing their seatbelts. (TCA 55-9-603)

Other Tennessee Insurance Resources



Commercial auto insurance produced by Right Choice Insurance Agency, Inc. and Direct General Insurance Agency, Inc. d/b/a Direct Auto & Life Insurance as agents for Titan Indemnity Company, a Nationwide Insurance Company & its affiliates. Not available in all stores. Pay plans, discounts and coverages subject to terms and conditions.

 
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Get Your
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