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 could save hundreds. Download the app and find out if your driving can save you money on Tennessee auto insurance.
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.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance 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 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 other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of Tennessee auto insurance?
The average Tennessean 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 could save up to $900 a year—all while enjoying fair and simple car insurance in Tennessee.
Start saving on car insurance in TN
Get an auto insurance quote based primarily on how you drive. You could save hundreds.
References
Insure.com. Annual average rates were compiled in April 2020
Additional Resources
Tennessee Car Insurance (Not a government agency)