Is Tennessee an at-fault or no-fault state?

Tennessee is an at-fault at-fault state for car insurance claims.

Field report · TN

Car insurance in Tennessee

Tennessee is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristNot required

RegulatorVehicle registration/titling: Tennessee Department of Revenue, Vehicle Services Division; driver licenses: Tennessee Department of Safety and Homeland Security

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage, reflecting a 2023 increase (property damage minimum rose from $15,000). UNCERTAIN: a small number of sources still reference the older 25/50/15 figure - this should be confirmed against the Tennessee Department of Commerce & Insurance directly before publishing as settled fact.

Not mandatory; insurers must offer UM/UIM, and drivers can decline.

Estimated cost

Illustrative estimate: roughly $500-$600/year for minimum coverage.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI/DWI, driving without insurance, an at-fault accident while uninsured, or reckless driving, commonly for about 3 years.

Local conditions worth knowing

Tennessee sits partly within the shifting 'Dixie Alley' severe-weather/tornado zone, a well-documented and growing driver of comprehensive claims in the region.

Frequently asked

What is the minimum car insurance requirement in Tennessee?: Tennessee requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage, reflecting a 2023 increase (property damage minimum rose from $15,000). UNCERTAIN: a small number of sources still reference the older 25/50/15 figure - this should be confirmed against the Tennessee Department of Commerce & Insurance directly before publishing as settled fact.
Is Tennessee an at-fault or no-fault state?: Tennessee is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Tennessee?: Typically required after a DUI/DWI, driving without insurance, an at-fault accident while uninsured, or reckless driving, commonly for about 3 years.
Is uninsured motorist coverage required in Tennessee?: Not mandatory; insurers must offer UM/UIM, and drivers can decline.

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