Tennessee Auto Insurance Minimums: $25,000/$50,000/$25,000 in Liability Coverage
Tennessee's current auto liability minimums are $25,000/$50,000/$25,000. Those floors are the legal minimum, not a recommendation after a serious crash.
Tennessee
Insurance
Home, auto and health coverage notes for people in Tennessee, with the Tennessee Department of Commerce and Insurance as the regulator.
By type of coverage
The insurance posts, sorted by who they are written for.
- Medicare & retirement (0 articles). Medicare, long-term care and planning for retirement. RSS
- P&C (6 articles). Property and casualty: home, auto, flood and wind coverage. RSS
- Life & medical (0 articles). Life insurance and health coverage for individuals and families. RSS
Articles
Drive Insured Tennessee: How the State Verifies Auto Liability Coverage
Tennessee verifies auto liability coverage through a web-based program. Check status with a plate and VIN, and answer any Department of Revenue notice promptly.
Flood Insurance Is Not in a Tennessee Homeowners Policy, and NFIP Coverage Usually Has a 30-Day Wait
Standard homeowners and renters policies in Tennessee do not cover flood damage. NFIP flood insurance is sold separately and usually waits 30 days to take effect.
How to File an Insurance Complaint With the Tennessee Department of Commerce and Insurance
File a formal insurance complaint with Tennessee Consumer Insurance Services online. Call 615-741-2218 or 1-800-342-4029 for general questions first.
Tennessee Has No FAIR Plan: Surplus Lines Homeowners Coverage Requires Three Declinations
Tennessee has no FAIR Plan. Standard residential homeowners coverage placed in the surplus lines market requires three documented admitted-market declinations.
Tennessee Uninsured Motorist Coverage Matches Your Liability Limits Unless You Reject It in Writing
Tennessee auto policies must include uninsured motorist coverage at the same bodily injury limits unless a named insured rejects it in writing or chooses lower limits.
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