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.
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.
