Tennessee Auto Insurance

The Volunteer State

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Tennessee Auto Insurance

There aren't very many states that can boast fantastic outdoor scenery, a historic music scene, and an affordable cost of living. That's why Tennessee is such an attractive place to live and work for millions of people. That said, navigating the state's roads can sometimes be challenging. From rural roads with questionable maintenance to foggy conditions in mountainous areas, to hail, rain, snow, and other hazardous precipitation events, it's important to be shielded for financial ruin that could stem from a traffic accident.

Auto insurance rates in Tennessee can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like, too.

Required Auto Insurance in Tennessee

Obviously, Tennessee drivers need to look out for each other. But in order to provide further protection, state legislators enacted laws which call for drivers to buy liability coverage before they take to the roads. The purpose of liability coverage is to reimburse other motorists for property damage or medical bills if they are victimized in an accident caused by an at-fault driver. A liability policy will pay out a claim up to the policy's predetermined limits.

State Minimum Liability Coverage in Tennessee:

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $15,000 per accident

To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Tennessee to Consider

The good news is that Tennessee only requires drivers to purchase liability auto insurance. The bad news is that this coverage alone may not be enough to protect them from all mishaps which befall their vehicles. For that reason, it may be wise to look into other types of auto insurance.

Below are some examples you may want to consider:

  • Collision Coverage - If yours is the only vehicle involved in a collision, then simple liability insurance will not pay you to get your car back into operating condition. Collision coverage is designed specifically for this scenario, as well as when you cause a collision with another vehicle. This type of policy will pay a repair shop whatever amount it takes to fix your vehicle (up to the coverage limits, of course).
  • Comprehensive Coverage - Tennessee weather can sometimes be unpredictable. Hail, ice, or flooding can often damage vehicles - even when they are just sitting in the driveway or next to a curb. Comprehensive coverage handles all damage to your car that doesn't occur as the result of a crash. This policy also pays you if your car is stolen or vandalized.
  • Uninsured Motorist Insurance - Sadly, there is a significant portion of drivers in Tennessee who choose to disobey the law by failing to buy auto insurance. Criminal penalties aside, if they collide with your vehicle, you don't have any recourse to get reimbursed for vehicle damage or medical bills - unless you have uninsured motorist coverage. This policy essentially insures you against financial losses suffered at the hands of uninsured drivers.
  • Higher Bodily Injury Limits - Imagine that you cause an accident that's quite a bit more serious than a minor fender bender. Lots of people could get injured, especially if the other vehicle has a family inside - and their total medical bills will add up quickly. In such a scenario, your minimum liability coverage limit would be exceeded quickly; and any difference would have to be made up out of your own pocket. With this in mind, you may want to consider purchasing a liability policy with higher bodily injury limits.
  • Higher Property Damage Limits - The minimum property damage coverage requirement in the state is only $15,000, which won't go very far if you happen to get into a wreck and total someone else's new vehicle.  The same holds true if you are responsible for a multi-vehicle collision. Increasing your property damage limits to $25,000, $50,000, or higher can protect you against being left with a huge bill from damaging an expensive vehicle.

Again, these are optional coverages that you may want to look into. You might be surprised at how little the additional cost is to adding one or more of these optional coverages to your liability insurance. If you are curious to see what effect they might have on your premium, check with an AIS agent today.

Tennessee Auto Insurance Discounts

Everybody loves a discount, and there are lots of them available to people who need auto insurance in Tennessee. You may even qualify for multiple discounts that can save you hundreds of dollars each year on your premiums!

Examples of discounts include:

  • Safe driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Anti-theft
  • Multi-policy
  • And more…

To learn more about specific discounts, visit our Discounts page.

Since the cost of living in Tennessee is so low, it's easier to acquire the auto insurance you need to keep you and your family protected from sudden financial problems. These policies can also help ensure that your vehicle is restored to its working condition as quickly after an accident as possible. To find out more about the policies you need contact the experts at Auto Insurance Specialists. For more than four decades, AIS has been helping people get the coverage they need at a price they can afford. Let AIS aid you in fulfilling all of your Tennessee auto insurance needs.

Start a Tennessee Insurance Quote Today: (888) 772-4247

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