Car Insurance in Tennessee
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Car Insurance Liability Requirements in Tennessee
- Minimum Liability Limits in TN: 25/50/15 [4]
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- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 15 Required coverage up to $15,000 for property damage in an accident
- Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
- Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Required Car Insurance Coverage in Tennessee
- Auto Insurance Coverage Requirements in TN [4]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Tennessee
- Insurer Verification of Auto Insurance in TN [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Tennessee Car Insurance Facts, Estimates & Related Laws
Tennessee Car Insurance Facts
- Average Car Insurance Rates in TN
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- Tennessee had the 38th highest auto insurance rates in the nation in 2010. [2]
- Rates in TN ranked 39th in the nation in 2009. [2]
- In 2008, TN had the 39th highest rates in the country. [2]
- Number of Auto Insurance Policies in TN
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- Tennessee ranked 15th in the nation in auto insurance policies in 2011 with a total of 4,303,507. [1]
- Uninsured Motorist Rate in TN
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- The uninsured motorist rate in TN ranked 4th in the nation in 2009. [3]
Tennessee Distracted Driving Laws
- Hand-held phone ban? No
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for all drivers. [7]
- Young drivers cell phone ban? Yes
- Ban applies to learner's permit and intermediate license holders. [7]
- Bus driver cell phone ban? Yes
- Ban applies to school bus drivers. [7]
- Enforcement of laws:
- Primary enforcement in effect. [7]
- With primary enforcement, a police officer can pull over a driver for that specific offense.
- Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Tennessee Automotive Laws
- Safety Belt Laws in TN
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- Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in front seat. [7]
- Child restraint law in place for younger than 1 year or 20 pounds or less in a rear-facing infant seat; 1 - 3 years and 20+ pounds in a forward-facing infant seat; 4 - 8 years and less than 4-feet-9-inches in booster. [7]
- Motorcycle Helmet Laws in TN
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- Motorcycle helmets required for all riders. [7]
- Driver's License Renewal Cycle in TN
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- Renewal cycle: 5 years [7]
Tennessee Auto & Driver Facts
Tennessee Automotive Facts
- Speed Limits in TN
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- Rural interstates: 70 mph [7]
- Urban interstates: 70 mph [7]
- Other roads: 65 mph [7]
- Motor Fuel Consumption in TN
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- Tennessee cities collectively ranked 15th in the nation in total motor fuel consumption in 2011. [9]
Tennessee Licensed Drivers
- Licensed Drivers in TN [10]
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- Total Drivers: 4,543,759
- Female: 2,353,546
- Male: 2,190,213
- TN has the 17th most drivers in the U.S.
- Minimum Driving Age in TN [5]
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- Tennessee has a minimum driving age of 15 years.
Tennessee Auto Registrations
- Auto Registrations in TN [8]
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- Registered Cars: 2,637,423
- Registered Trucks: 2,483,721
- Registered Motorcycles: 168,420
- Total Registrations: 5,302,335
- Rank: Tennessee ranked 16th in the United States in total auto registrations in 2011.
Additional information about Tennessee
About Tennessee
Tennessee has a population of approximately 6,346,105, which ranks 17th in the U.S. among all states. [6]
More about Tennessee auto insurance
For more information about auto insurance in TN, or for additional resources regarding Tennessee car insurance, visit the Tennessee Department of Insurance.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration
