Tennessee Insurance
Licensed Tennessee agents comparing 40+ carriers for auto, home, and commercial coverage. Protecting Nashville, Memphis, Knoxville, and communities across the Volunteer State.
Select Insurance Group offers auto, home, motorcycle, RV, and commercial insurance to Tennessee residents and businesses. As an independent agency serving Tennessee statewide, we compare rates from more than 40 carriers — including Progressive, Travelers, Safeco, and National General — to find competitive coverage. Tennessee drivers must carry at least the state-minimum liability limits under its At-Fault (Modified Comparative Negligence) system, and our licensed agents help you decide when higher limits or optional coverages like uninsured-motorist protection make sense. Call (980) 237-4297 for a free, no-obligation quote, or start one online in minutes. Se habla español.
Last updated: May 30, 2026
Tennessee Auto Insurance Requirements & Minimums
| Coverage | TN Requirement |
|---|---|
| Fault System | At-Fault (Modified Comparative Negligence) |
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $15,000 |
Tennessee has one of the highest uninsured driver rates in the nation — about 21% of drivers carry no insurance (Source: Insurance Information Institute). That makes UM/UIM coverage essential — even though the state does not require it.
Tennessee follows modified comparative negligence with a 50% bar. You can recover damages if you are less than 50% at fault, but your compensation is reduced by your fault percentage.
Tennessee has one of the lowest property damage minimums at just $15,000. A single accident can easily exceed this amount, leaving you personally liable for the difference. We recommend carrying at least $100,000 in property damage coverage.
With about 1 in 5 Tennessee drivers uninsured, UM/UIM coverage is not optional — it is essential. We recommend at least 100/300/100 liability with matching UM/UIM coverage. Tennessee's $15,000 PD minimum is dangerously low for modern vehicle values.
Tennessee Home Insurance: Dixie Alley & Seismic Risk
Tennessee sits at the crossroads of two significant natural hazards: Dixie Alley tornadoes and the New Madrid Seismic Zone. The state experiences more nighttime tornadoes than almost any other state, making them particularly dangerous because residents are asleep and less likely to receive warnings.
The March 2020 Nashville tornado outbreak underscored the destructive power of tornadoes in Middle Tennessee, causing over $1.5 billion in damage. Standard homeowners policies cover tornado damage under wind coverage, but deductible structures vary — some carriers impose percentage-based wind/hail deductibles that can cost thousands more out of pocket.
Tennessee is one of the few states with no FAIR Plan (insurer of last resort) for homeowners who cannot find coverage in the private market. This makes working with an independent agent who has access to multiple carriers especially important for Tennessee homeowners with challenging properties or claims history.
Tennessee Workers Compensation & Business Coverage
Tennessee employers who fail to carry required workers compensation face fines up to $5,000 and may be enjoined from operating until coverage is obtained. Officers may also face criminal penalties.
Tennessee requires workers compensation for employers with 5 or more employees. Construction employers must carry coverage regardless of employee count when working on state-funded projects. Coal mining employers also have mandatory coverage requirements.
Tennessee's automotive manufacturing corridor (Nissan, GM, Volkswagen), healthcare industry (Nashville is the healthcare capital of the US), and growing tech sector create diverse commercial insurance needs. From product liability for manufacturers to professional liability for healthcare providers, our agents structure comprehensive commercial programs.
Why Choose Select Insurance Group
in Tennessee?
Knowledge of Tennessee's high uninsured driver rate (about 1 in 5) and how to structure policies that protect you from uninsured motorists.
Expertise with Tennessee's Dixie Alley tornado risk and wind/hail deductible structures that minimize out-of-pocket costs.
New Madrid Seismic Zone earthquake coverage options for West Tennessee homeowners.
Commercial insurance expertise for Tennessee's automotive, healthcare, and logistics industries.
Tennessee Insurance Carrier Partners
We compare rates from these top-rated carriers — and more — to find the best coverage and price for Tennessee residents.
| Carrier | File a Claim |
|---|---|
| Dairyland | Start a claim · 800-334-0090 |
| Progressive | Start a claim · 1-800-776-4737 |
| Travelers | Start a claim · 1-800-238-6225 |
| National General | Start a claim · 1-800-468-3466 |
We also place coverage with Safeco, Bristol West, Foremost, Kemper, Stillwater, Encompass, Olympus, and other top-rated carriers.
Need to file a claim with one of our carriers? Report a Claim
Tennessee Office Locations & Cities We Serve
Cities We Serve in Tennessee
Don't see your city? We serve all of Tennessee. Call (980) 237-4297
Tennessee Insurance Frequently Asked Questions
What are Tennessee's minimum auto insurance requirements?
Tennessee requires 25/50/15 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and just $15,000 property damage. UM/UIM coverage is not required but is strongly recommended given that about 1 in 5 Tennessee drivers is uninsured.
Why is Tennessee's uninsured driver rate so high?
At roughly 21%, Tennessee has one of the highest uninsured driver rates in the nation (Insurance Information Institute). Contributing factors include lower average incomes in rural areas, limited public transportation alternatives, and enforcement challenges. This makes Uninsured/Underinsured Motorist coverage essential for every Tennessee driver.
Does Tennessee have earthquake insurance?
Standard homeowners policies do not cover earthquake damage. Tennessee's western region sits on the New Madrid Seismic Zone, which produced some of the most powerful earthquakes in North American history. Earthquake coverage is available as a separate policy or endorsement and is recommended for homeowners in West Tennessee.
Does Tennessee require workers compensation insurance?
Yes. Tennessee employers with 5 or more employees must carry workers compensation insurance. Construction employers working on state-funded projects must carry coverage regardless of employee count. Penalties include fines up to $5,000 and potential injunctions against business operations.
Is Tennessee in Tornado Alley?
Tennessee is in "Dixie Alley," a region that experiences more nighttime tornadoes than traditional Tornado Alley. The March 2020 Nashville tornado outbreak caused over $1.5 billion in damage. Standard homeowners policies cover tornado damage, but deductible structures vary significantly between carriers.
Does Tennessee have a FAIR Plan for hard-to-insure homes?
No. Tennessee is one of the few states without a FAIR Plan (insurer of last resort). If you have difficulty finding homeowners coverage due to claims history or property condition, working with an independent agent who accesses 40+ carriers gives you the best chance of finding coverage in the private market.
Get Protected in Tennessee
Compare quotes from 40+ carriers. Free, no-obligation — just the right coverage for Tennessee residents.