Tennessee Car Insurance
Auto Insurance Quotes in Tennessee
Navigating the roads of car insurance in Tennessee can be complex, but understanding your TN car insurance coverage options is crucial. The right auto insurance policy does more than just comply with state laws—it safeguards you against financial risks stemming from accidents, theft, and other unforeseen events. Whether you're a new resident adjusting to life in the Volunteer State or a long-time Tennessean looking for cheap car insurance that doesn't cut corners, you'll be glad you got a quote with GEICO.
Minimum Required Tennessee Car Insurance Coverage
Tennessee drivers must carry the following required minimum car insurance coverages and limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident*
- Uninsured motorist property damage: $25,000 per accident*
*Uninsured motorist coverages can be rejected in writing.
Car Insurance Discounts Available in Tennessee
In Tennessee, drivers can access a variety of car insurance discounts that help reduce the cost of their premiums. Here are some of the common discounts available with GEICO:
Multi-Policy Discount: In Tennessee, you could save when you combine your home and auto insurance policies. We'll help you get the right coverage for your homeowners insurance and car insurance at a great price. If you purchase your qualifying policy through GEICO, your Multi-Line Discount will be applied.
Good Driver Discount: Eligible Tennessee drivers who stay accident-free for at least 3 consecutive years may be eligible for discounted premiums.
Student Discount: Discounts for full-time students who maintain a "B" average or higher.
DriveEasy Discount: Download GEICO’s DriveEasy app to track your safe driving habits and save money on car insurance.
Military Discount: Service members may be eligible for special discounts on their GEICO car insurance policy.
Pay-in-Full: Many policies may be eligible for a discount when the premium for the entire term is paid-in-full on or prior to the due date.
Additional Car Insurance Coverages Available in Tennessee
Although Tennessee law requires drivers to carry minimum coverages, there are additional coverages you can purchase to ensure you’re fully covered, including:
Collision Coverage: Coverage that pays for damage to your vehicle in an accident, regardless of who is at fault. This coverage is particularly valuable if you have a newer or higher-value vehicle.
Comprehensive Coverage: Coverage that pays for damage to your vehicle caused by non-collision events, such as theft, fire, or natural disasters.
Uninsured and Underinsured Motorist Coverage: Coverage that protects you if you're involved in an accident with a driver who does not have any insurance or does not have insurance limits adequate enough to cover your damages. Coverage is available for both bodily injury and property damage.
Medical Payments: Coverage that pays for medical expenses incurred by you and your passengers, regardless of who is at fault in an accident.
Auto Insurance Compliance in Tennessee
Tennessee, like every other state, has its own set of regulations drivers must follow. It’s important to be aware of these rules to maintain compliance. Some pertinent regulations include:
Proof of Insurance: Tennessee drivers are required to always carry proof of insurance in their vehicle. This proof must be presented during traffic stops, at the scene of an accident, or when registering a vehicle.
Penalties for Non-Compliance: Driving without car insurance in Tennessee is a serious offense. Penalties for failing to maintain proper insurance can include:
- Substantial fines that can increase with repeated offenses
- Driver’s license suspension
- Vehicle registration suspension
Financial Responsibility Law: Beyond just carrying insurance, Tennessee's financial responsibility law requires that any person involved in a crash resulting in bodily injury or property damage must be able to demonstrate financial responsibility to cover potential costs incurred from the accident.
Electronic Verification System: Tennessee uses an electronic insurance verification system that allows the state to verify the insurance status of registered vehicles automatically. If the system cannot confirm that a vehicle has active insurance, the owner may be subject to penalties and the revocation of vehicle registration.
Partner Companies in Tennessee
| AIG | Foremost | PURE |
| American Modern | Homesite | Stillwater |
| Assurant | Liberty Mutual | Travelers |
To confirm eligibility for a Tennessee partner policy not purchased through GEICO, and have the discount applied, send a current copy of your property policy's declarations page to us one of the following ways:
- Fax: (866) 954-0966
- Email: Underwriting7@geico.com
- Mail: GEICO
ATTN: Region 7 Return Policy Work
PO Box 9520
Fredericksburg, VA 22403
Please include your auto policy number on any correspondence that you send us.
Get a Tennessee Car Insurance Quote From GEICO
Safe driving starts with great coverage—let GEICO give you peace of mind on Tennessee roads. Get a free car insurance quote online now to see how we can help!
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Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. Homeowners, renters, and condo coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. GEICO is a registered service mark of Government Employees Insurance Company, Washington, DC 20076, a Berkshire Hathaway Inc. subsidiary.
