Auto Insurance Tennessee: All You Need to Know

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Auto insurance is mandatory in Tennessee. But, with so many options out there, it can be hard to choose the right one. This guide will give you all the information you need to know about auto insurance in Tennessee, from the types and cost of coverage to the minimum requirements and FAQs.

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Types of Auto Insurance Coverage in Tennessee

Auto insurance typically offers three types of coverage. These are:

Insurance Type
Description
Liability Coverage
Covers damages to other people’s property and medical expenses if you’re at fault in an accident.
Collision Coverage
Covers damages to your car if you’re at fault in an accident or if your car is hit by an object.
Comprehensive Coverage
Covers damages to your car that are not caused by an accident, such as theft, fire or natural disasters.

Most insurance providers also offer additional coverage options, such as uninsured/underinsured motorist coverage, personal injury protection and roadside assistance.

It’s important to note that while liability coverage is mandatory in Tennessee, collision and comprehensive coverage are optional. However, it’s always a good idea to have complete protection for your car.

What Affects the Cost of Auto Insurance in Tennessee?

The cost of auto insurance in Tennessee varies depending on several factors. These include:

Factor
Description
Your Driving Record
The better your driving record, the lower your insurance rates will be.
Your Age
Younger drivers typically pay higher insurance rates, while older drivers with more experience pay less.
Your Car
The make, model and year of your car can affect your insurance rates.
Your Location
Insurance rates are typically higher in urban areas with more traffic and accidents.

Other factors that may affect your insurance rates include your credit score, marital status and annual mileage.

Minimum Auto Insurance Requirements in Tennessee

As mentioned earlier, liability coverage is mandatory in Tennessee. The minimum liability coverage required is:

Coverage
Minimum Amount Required
Bodily Injury Liability
$25,000 per person, $50,000 per accident
Property Damage Liability
$15,000 per accident

Make sure to carry proof of insurance in your car at all times or face penalties and fines.

Frequently Asked Questions About Auto Insurance in Tennessee

1. How do I get the best auto insurance rates in Tennessee?

To get the best rates, compare quotes from multiple insurance providers and choose the one that offers the best coverage for the price. Also, maintain a clean driving record and choose a car that is safe and affordable.

2. Can I get auto insurance with a DUI on my record?

Yes, you can get auto insurance with a DUI on your record, but expect to pay higher rates. You may also need to file an SR-22 form with the state.

3. What should I do if I’m involved in a car accident in Tennessee?

If you’re involved in an accident, make sure to exchange contact and insurance information with the other driver. Then, report the accident to your insurance provider and the police.

4. Can I choose which auto repair shop to take my car to?

Most insurance providers have preferred repair shops, but you can choose to take your car to any repair shop you prefer. However, you may need to pay extra for non-preferred shops.

5. What should I do if I can’t afford auto insurance?

If you can’t afford auto insurance, you may be eligible for the Tennessee Automobile Insurance Plan (TAIP). This plan helps high-risk drivers get insurance at affordable rates.

By following the guidelines in this guide, you can make an informed decision about auto insurance coverage in Tennessee. Drive safely and choose the right coverage for your needs.

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