Tennessee Minimum Auto Insurance Requirements

Tennessee drivers must carry auto insurance on their vehicle at all times in order to be a legal driver in the state. To meet the Financial Responsibility Act in the state of Tennessee, any registered car in the state must carry minimum amounts of auto insurance. The minimum requirements for the state is Liability insurance, with  25/50/10 coverage. 25/50/10 simply means the dollar amounts the auto insurance company is willing to pay out in the case of an auto accident.

25 means $25,000, and this is the amount the insurance company will pay for the person insured if they sustain bodily injury in an accident. 50 means $50,000, referring to the maximum amount the auto insurance company will pay for all injured parties involved in the accident. 10 is $10,000, and this is the amount the insurance company will pay for property damage in an accident. This amount is the maximum amount the auto insurance company will pay.

Collision and uninsured motorists auto insurance coverage is not required, but it is recommended to have in addition to the Liability insurance. Without collision, the person responsible for the accident will be responsible for all costs of repair to their own vehicle. This can add up to a hefty amount in even a minor accident. Collision insurance will pay up to the Kelley Blue Book value of the vehicle. Uninsured motorist coverage will help repair a vehicle caused by a person without the required auto insurance coverage on their vehicle. Collision and uninsured motorist coverage can be purchased in addition to Liability insurance for just a fraction more. Combining these policies may also earn you a multi-policy discount!

Remember that even if you choose not to add the additional coverage, Liability is a must if you will be driving an automobile in the state of Tennessee! It’s better to be safe than sorry, and if you are driving in Tennessee without auto insurance, you will be sorry. Results for failure to comply with the auto insurance laws could result in huge fines and penalities as well as the loss of your driving privileges. Lapses in coverage can also increase your auto insurance rates in the future or prevent you from being insured. Compare rates of several companies in your area in minutes with a site such as www.geico.com. Comparing rates will help you find the best, and most affordable, auto insurance coverage in the area to keep you legal in Tennessee!