Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Tennessee apart
At-fault; below-average rates but climbing with Nashville growth.
Minimum vs. full coverage in Tennessee
What each coverage level costs on the Tennessee average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $540 | $45 |
| Liability Only | $870 | $72 |
| Full | $1,580 | $132 |
| Full Low Deductible | $1,930 | $161 |
Minimum coverage saves about $1,042/yr vs full — but caps protection at 25/50/15. One at-fault crash above those limits and the gap is yours.
Tennessee car insurance FAQ
- What's the minimum car insurance required in Tennessee?
- Tennessee's state minimum is 25/50/15 — $25k bodily injury per person, $50k per accident, $15k property damage. Minimum-only runs about $540/yr but leaves you exposed above those caps.
- How much is full coverage in Tennessee?
- Representative full coverage averages $1,582/yr (about $132/mo), ranking Tennessee #13 of 51 states for cost.
- Why is Tennessee car insurance priced the way it is?
- At-fault; below-average rates but climbing with Nashville growth.