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Cheapest Car Insurance in Tennessee for 2026

Top RV Insurance Companies USAA has the lowest average car insurance rate in Tennessee, according to our research. Progressive is the second-cheapest company in the state. Our rankings, ratings and product reviews are unbiased. We do not rank or rate…

Tennessee

Tennessee car insurance rates, laws and regulator news.

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Tennessee

Tennessee is an at-fault state requiring 25/50/25 liability. UM coverage is included unless rejected in writing, and injury suits have a one-year deadline.

Minimum liability25/50/25
Fault systemAt-fault — the driver who causes a crash is responsible for the other side's injuries and damage
PIP requiredNo
Uninsured motorist requiredNo — uninsured motorist coverage is included at your liability limits unless you reject it or choose lower limits in writing

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