Tennessee
- ~$40–$55
- ~$115–$140
- $25K/$50K/$15K
Tennessee experiences moderate to high car insurance premiums influenced by its mix of urban centers like Nashville and Memphis, and rural highways. The state operates a fault-based liability insurance system with minimum mandatory coverage.
Find a local Auto Insurance agents in your town:
Tennessee Auto Insurance Facts *
Drivers
- ~4.7–4.9 million licensed drivers as of 2023.
- ~89% household vehicle ownership.
- High prevalence of pickups and SUVs.
- Uninsured motorist rate around 13%.
- Public transit limited outside urban areas.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~22,000 | ~6,100 | 410 |
| 2019 | ~22,500 | ~6,300 | 425 |
| 2020 | ~20,000 | ~5,700 | 390 |
| 2021 | ~21,200 | ~6,000 | 405 |
| 2022 | ~21,800 | ~6,100 | 400 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
