Get fair and affordable car insurance in Tennessee
State requirements for car insurance in Tennessee
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 accident—multiple 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 is the average cost of Tennessee auto insurance?
The average Tennessean pays $1,357  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 could save up to $900 a year—all while enjoying fair and simple car insurance in Tennessee.