Car Insurance in Tennessee
Car Insurance Liability Requirements in Tennessee
Minimum Liability Limits in TN: 25/50/15 [ 4]
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]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Tennessee
Insurer Verification of Auto Insurance in TN [ 4]
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
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.
Number of Auto Insurance Policies in TN
Tennessee ranked 15th in the nation in auto insurance policies in 2011 with a total of 4,303,507.
Uninsured Motorist Rate in TN
The uninsured motorist rate in TN ranked 4th in the nation in 2009.
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
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.
Motorcycle Helmet Laws in TN
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in TN
Renewal cycle: 5 years
Tennessee Auto & Driver Facts
Tennessee Automotive Facts
Speed Limits in TN
Rural interstates: 70 mph
[ 7] Urban interstates: 70 mph
[ 7] Other roads: 65 mph
Motor Fuel Consumption in TN
Tennessee cities collectively ranked 15th in the nation in total motor fuel consumption in 2011.
Tennessee Licensed Drivers
Licensed Drivers in TN [ 10]
Total Drivers: 4,543,759
TN has the 17th most drivers in the U.S.
Minimum Driving Age in TN [ 5]
Tennessee has a minimum driving age of 15 years.
Tennessee Auto Registrations
Auto Registrations in TN [ 8]
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
Tennessee has a population of approximately 6,346,105, which ranks 17th in the U.S. among all states.
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.
Did you know?
As of August 2013, three states (
Idaho, Kansas and Minnesota) permit electronic delivery (e-Delivery) of insurance documents.
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