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Tennessee Car Insurance Resources

Tennessee Car Insurance

Car Insurance Rates in TN

^ From 2006 to 2010, Tennessee cities had the 39th highest auto insurance rates in the nation. [2]

Car Insurance in TN by City

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Cars Insured in TN

^ Tennessee ranked 15th of all U.S. states in total auto insurance policies in 2011. [1]

TN Car Insurance

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

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

Tennessee Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in TN
    • 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
    • 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
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in TN
    • Renewal cycle: 5 years [7]

Tennessee Auto & Driver Facts

Tennessee Automotive Facts

Tennessee Auto & Driver Facts
  • Speed Limits in TN
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in TN
    • Tennessee cities collectively ranked 15th in the nation in total motor fuel consumption in 2011. [9]

Tennessee Licensed Drivers

  • Licensed Drivers in TN [10]
    • 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]
    • 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

About Tennessee

Tennessee has a population of approximately 6,346,105, which ranks 17th in the U.S. among all states. [6]

TN Car Insurance

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?

Of all U.S. states, Mississippi had the highest uninsured motorist rate (28 percent) when last measured.

References

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

Tennessee Cities