TENNESSEE AUTO INSURANCE GUIDE
Required Auto Insurance & Minimum Limits in Tennessee
Tennessee’s financial-responsibility law generally requires minimum automobile liability limits of $25,000 for injury or death to one person, $50,000 for total injury or death in one accident, and $25,000 for property damage.
- Confirm the declarations page, covered vehicle and actual liability limits.
- Tennessee automobile liability policies generally include UM coverage unless validly rejected or reduced in writing as permitted by statute.
- Investigate household, employer, commercial, umbrella and excess coverage when additional policies may apply.
Primary Tennessee Sources
Current-law review: September 17, 2026. Confirm the actual policy limits and any UM election or rejection.
VictimsGuide 