Tennessee Car Insurance Coverage


Meet the Car Insurance for Generation Now.

Whether you’re whipping around the legendary hair-raising curves of Tail of the Dragon, blasting some country music while you enjoy the wide-open country night sky, or taking a leisurely jaunt across the state to determine who has the best BBQ, hot fried chicken, and biscuits (for educational purposes, of course!) — Tennesseans want and deserve car insurance that makes sense for them.


If you buy the minimum auto insurance coverage required in Tennessee, you can expect to pay an average annual premium of $504. But even a minimum insurance rate can skyrocket across the state if you’re a young driver, have an infraction, have a lower credit tier, and/or live in a more expensive city.   Of course, many drivers also prefer to have insurance with more coverage in case of an accident; the average annual premium across the state is about $1,018 — which is about 28.5 percent lower than the national average. Insurers charge an average of $2,555 per year for policies that include a young driver.  Tennessee has its own unique rules of the road, including TCA 70-4-115. This allows wild game animals (excluding federally protected wildlife species and non-game animals) that are accidentally killed by a motor vehicle to be gathered and possessed for personal use and consumption.  Don’t be clingy! TCA 55-8-174 warns that it’s a Class C misdemeanor to attach yourself to a streetcar or vehicle while riding on roller skates, any bicycle, or toy vehicle. Clearly, that kind of behavior is beyond dangerous.  Nashville, aka NashVegas, has become one of the premier destinations for bachelorette parties, as well as bachelor parties and even divorce parties. On any given weekend, there might be about 150 groups partying in Music City. This means extra party buses, party tractors, and even pedal taverns on the roads.   From music lovers to nature enthusiasts to history buffs, Tennessee has so many iconic destinations — but the state also has an impressive collection of quirky roadside attractions that include the Drinking Elephant in Cross Plains, a life-size replica/museum of the RMS Titanic in Pigeon Forge (bonus points if you find Jack Dawson lingering around there), and the gravesite of Jack Daniels in Lynchburg.  

Required Tennessee vehicle insurance coverages: 

Each state has its own requirements and limitations when it comes to car insurance coverage. In the Volunteer State, it’s mandatory for all drivers to carry liability insurance.  

Minimum Tennessee auto insurance requirements include these liability coverage limits, which are often written as 25/50/15:

  • Bodily injury liability coverage for each person: $25,000

  • Bodily injury liability coverage for the entire accident: $50,000

  • Property damage liability coverage for the entire accident: $15,000


Some of the discounts we offer in Tennessee: 

Online Quote Discount

Not only is receiving your quote online easy, but policies that originated from an internet quote are granted our online quote discount.

Multi‐Car Discount

A multi-car indicator applies if there is more than one motor vehicle on the policy.

Paperless Discount

Be an environmental do-gooder while also saving green for your wallet. Instead of receiving paper mailings, you can make the switch to receive all policy documents electronically.

Homeowner Discount

This applies if the named insured or resident spouse’s primary residence is a house or condominium or mobile home owned by the named insured or resident spouse.  The Company may take reasonable steps to verify this information. 

Smart Technology Discount

When safety meets technology, we all benefit. Novo is passing some extra benefits on to you for driving a car that helps keep you safe. A vehicle is eligible for a Smart Technology Discount if the vehicle is equipped with any of the following factory-installed features:

  • Automatic emergency braking

  • Blind spot warning

Paid in Full Discount

A policy is deemed to be Paid in Full (PIF) if the named insured chooses a 1-pay bill plan. Instead of making monthly payments, you can pay your entire premium all at once. Sometimes it’s beneficial to your wallet to do today what you could otherwise wait to pay off tomorrow. And as an extra bonus, you could save money on potential fees you might incur if you forget to pay your bills on time (you know if this applies to you). To learn about all our discounts (including student discounts and other great money-saving offers), call our Customer Service Team at 866-862-7757