(800) 253-1482Liability Car Insurance in Tennessee
Summary: In Tennessee, all drivers need liability car insurance by law, but additional coverage might be a better fit for your needs. Drivers need to assess their risks and compare coverages to find the right level of protection for their needs and budget. If you lease or finance your vehicle, you may be required to have full coverage as a condition of your contract. Always compare quotes from top-rated auto insurance providers to find the coverage you need at the lowest rates and maintain at least the minimum amount of protection required to avoid legal issues. Estimated Read Time: 2 mins
Keeping liability car insurance in Tennessee is mandatory but how much you pay is another story. If you’re looking to save you’re going to need to shop among multiple carriers, compare coverages, and assess the type of protection you need. Get auto insurance quotes from top-rated carriers by using our free, no-obligation tool below.
Liability Car Insurance Is Required in Tennessee
Liability car insurance is required by all drivers under state law Tennessee Code Annotated (TCA) 55-12-102(12)(D).
If you cause an accident, your liability coverage will cover the cost of medical expenses and property damage to affected parties.
In TN, this breaks down to maintaining a minimum coverage of $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage.
Failing to meet these minimums can lead to legal issues, including fines, as well as lawsuits.
The Pros and Cons of Minimum Liability Coverage in Tennessee
In Tennessee, auto liability insurance covers damages you cause to others in an accident, but it won’t cover your own vehicle’s damages.
For example, if your car is damaged in a crash, you’ll need collision insurance to pay for repairs.
Likewise, liability coverage doesn’t cover weather-related damage like hail or flooding—you’d need comprehensive coverage for that.
Full coverage, which usually includes liability, comprehensive, and collision policies, offers more protection and can qualify you for multi-policy discounts.
Although Tennessee law doesn’t require full coverage, your lease or loan terms might.
Consider liability-only coverage if you have a good driving record, don’t drive often, or have an older vehicle and you want to save on premiums.
On the other hand, full coverage might be better if you live in an area prone to severe weather, can’t afford to repair your car after a major loss, or want protection from high medical expenses after an accident.
Liability vs Full Coverage Deductibles
When choosing between liability and full coverage, remember that full coverage requires paying a deductible for comprehensive or collision claims, while liability coverage does not.
Higher deductibles can lower your premiums, but you'll need to pay more out of pocket if you file a claim.
Drivers should remember these factors when searching for coverage and budgeting their premiums.
It's important to find protection that meets your driving needs and your budget.
How To Find Cheap Liability Car Insurance in Tennessee
Finding affordable liability car insurance in Tennessee is easy with Freedom Insurance Group.
We compare rates from top-rated carriers to help you save—customers save an average of 40% when switching.
Our team continues to find savings by comparing future policies, applying discounts, and identifying the best bundles, so you keep saving for years to come.
Ask an agent or get an auto insurance quote in just a few clicks.
