Minimum Car Insurance in Tennessee
The liability limits Tennessee requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Tennessee's Financial Responsibility Law requires minimum liability limits of 25/50/25: $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident, and $25,000 for property damage per accident. Tennessee Department of Revenue, Financial Responsibility Law (Drive Insured Tennessee)
| Minimum coverage required | Tennessee's Financial Responsibility Law requires minimum liability limits of 25/50/25: $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident, and $25,000 for property damage per accident. Vehicles with commercial plates must be covered by a commercial auto policy. Owners may instead qualify for an exemption, such as approved self-insurance. Tenn. Code Ann. § 55-12-102(12) also allows a single-limit policy, cash deposit or bond. |
|---|---|
| At-fault or no-fault | Tennessee uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Tennessee among the "Tort States." |
More Tennessee car insurance & vehicle laws
- Driving Without Insurance in Tennessee
- SR-22 Insurance in Tennessee
- When a Car Is a Total Loss in Tennessee
- Transferring a Car Title in Tennessee
- All Tennessee car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Tennessee?
Tennessee's Financial Responsibility Law requires minimum liability limits of 25/50/25: $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident, and $25,000 for property damage per accident. Vehicles with commercial plates must be covered by a commercial auto policy. Owners may instead qualify for an exemption, such as approved self-insurance.
Is Tennessee a no-fault car insurance state?
Tennessee uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Tennessee among the "Tort States."
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.