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Better rates for better drivers in Tennessee

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Get fair and affordable car insurance in Tennessee

From Nashville to Memphis and Jackson to Knoxville, Root offers safe drivers the high quality coverage and cheaper rates they deserve. Good drivers can save up to 52%. Download the app and find out if your driving can save you money.

How it works

Auto insurance rates are traditionally based on your demographics—things like age, credit score, marital status, and ZIP code. We don’t think that’s fair, so we base your rate primarily on your actual driving behavior.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements in Tennessee

Liability coverage

Tennessee law requires that you carry the state minimum amounts of Liability coverage. If you’re caught without it, you could be charged with a Class C misdemeanor—that comes with possible fines, suspension of your license, and a STOP on your car which prevents registration renewal. 

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what MedPay coverages are for). It also doesn’t cover your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid major expenses in the event of a large accident.

Minimum required Liability coverage in TN: 

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accidentmultiple people injured)

  • $15,000 Property Damage

What is SR-22 insurance?

An SR-22 is required to be filed after any conviction that leads to suspension of your driver’s license. The SR-22 is actually not insurance—it’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. 

In Tennessee, the SR-22 can be filed for a total of 5 years, but can be canceled after 3 years if you’ve had no other suspensions that required an SR-22. You can request an SR-22 directly in the Root app and we will file it at the TDOT.

What are the minimum auto insurance requirements in Tennessee?

It’s required in Tennessee to carry Liability insurance if you’re going to operate a vehicle. You could face fines and penalties if you’re found driving without it. 

You’re also required to show proof of insurance if you’re stopped by a police officer or if you’re part of a car accident that results in any injuries, death, or over $1,500 in property damages. Since Tennessee now accepts electronic proof of insurance, you’ll always have your insurance card in the Root app. It’s a legal proof of coverage that’s conveniently in your phone.

What other coverages does Root offer in Tennessee?

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Collision

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Rental Car coverage

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Personal Injury Protection

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Medical Payments

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Comprehensive

(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Tennessee?

The average driver in Tennessee pays $1,357[1] per year for their auto policy—but many people pay much more. Bad drivers often drive up prices for good drivers. Root doesn’t insure high-risk drivers, so Root customers save up to 52% on average—all while enjoying fair and simple car insurance.

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References

  1. Insure.com. Annual average rates were compiled in April 2020

Additional Resources

Car insurance FAQCar insurance coverageRenters insuranceClaimsTest driveReferralsAffiliatesContact

Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between September 2018 - August 2019; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.