Tennessee · Auto · Limits
The legal floor is not the amount a crash costs
Tennessee’s financial-responsibility minimum is the smallest liability limit that keeps a driver legal. It pays other people, up to that floor, when you cause the injury or the property damage. It does not repair your car. This page does not lock in a dollar minimum, because that number is the state’s to publish and it can change. Read the current figure from the Tennessee Department of Commerce and Insurance, then read your declarations for what you actually bought.
Liability is what the other driver collects from you. Collision pays your car after a crash you cause, after your deductible. Comprehensive pays theft, hail, flood to the car, and similar non-crash damage, after its deductible. Uninsured and underinsured motorist coverage pays you when the other driver has no insurance or not enough. Whether Tennessee includes it automatically, and whether you can reject it in writing, is a rule to confirm on the state page and on your form. Do not assume the rejection you signed in another state still applies.
Start here for the state number: Tennessee Department of Commerce and Insurance. The Freedom hub: Tennessee car insurance. Liability, named: Tennessee liability. Floor versus the rest of the policy: liability versus full coverage in Tennessee and comprehensive versus collision. How other states print the same idea: liability requirements by state and how much car insurance in Missouri. The coverages, so the words stay precise: uninsured motorist, collision, comprehensive, medical payments. A discount changes price, not the limit: Tennessee car insurance discounts.
