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Tennessee Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Tennessee. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Tennessee Car Insurance Laws

Tennessee operates under the tort system. Drivers must show proof of your financial responsibility. While you are not required to carry liability insurance in order to register your car or obtain a driver's license in Tennessee, it is strongly recommended that you purchase such coverage.

Bodily injury liability insurance protects you against claims for damage in an accident in which you were at fault while property damage liability insurance pays for any damages you cause to the property of others. Tennessee auto insurance liability minimums are 25/50/10: $25,000 per person for bodily injuries you cause to the other party; $50,000 for bodily injuries of two or more persons; and $10,000 for property damage you caused.

Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect from claims above the minimum amounts. As you raise your coverage, your premiums will increase. However, the extra cost of higher coverage tends to be relatively low. Tennessee auto insurance companies also offer optional coverage such as uninsured motorist coverage and under insured motorist coverage, collision, comprehensive and medical payments coverage.

Tennessee Motor Vehicles Services - Department of Safety

Now you can save time by visiting the Tennessee DMV website. You can now complete a wide range of motor vehicle services online including: driver license renewals, change address on driver license, make driver license inquiries, access the moving violation records, renew your boat registration and more. Driving students can read more about the TN graduated driver license, download the driver license handbook, and get the list of approved driving schools. Interested persons can get the daily traffic fatality report which is easy to read and kept up to date.

Tennessee Insurance Division - Department of Commerce & Insurance

The Tennessee Insurance Division is responsible for enforcing the state's insurance laws and supervising insurance companies authorized to do business in Tennessee. There are seven sections each committed to serving the public interest. Tennessee resident can access consumer resources, consumer insurance product guides, read insurance alerts that may affect you, or file an insurance complaint. Consumers can also read company actions of specific insurance companies and find contact phone numbers for assistance in any category. You can also go online to search for an agent's licenses by name or address. Agent forms, applications and instructions are available for downloading off the website.