There’s so much to admire as you drive through Tennessee. From the Great Smoky Mountains to the countless tourist attractions throughout the state, we can help keep you protected behind the wheel with Tennessee car insurance. The
AARP® Auto Insurance Program from The Hartford
1 has been protecting Tennessee AARP members and their families with Tennessee car insurance since 1984 and has earned a reputation for integrity and trust.
Music, history and natural beauty can be found in every corner of The Volunteer State. No matter where you’re traveling, the AARP Auto Insurance Program from The Hartford will keep you secure as you drive along Tennessee’s roadways.
What Are the Car Insurance Requirements in Tennessee?
Tennessee state law requires liability insurance at the following state minimum limits:2
Tennessee Uninsured Driver Facts
According to a 2021 Insurance Research Council report, 23.7% of drivers in Tennessee are uninsured. This is above the national average of 12.6%.3 Being involved in an accident with an underinsured or uninsured motorist could be financially devastating, even if you practice safe driving habits. Tennessee does not require drivers to carry this coverage, but The Hartford offers this valuable benefit to give you peace of mind. It is recommended so that drivers will not have the burden of financial responsibility even if they are in any not at-fault accidents.
Additional Tennessee Car Insurance Benefits and Coverages Available
For added protection, drivers in Tennessee may also be eligible for the following benefits and coverages when they carry Tennessee car insurance through the AARP Auto Insurance Program from The Hartford:
How Much Is Car Insurance Per Month in Tennessee?
The average auto insurance cost for drivers in Tennessee was $864 per year in 2019.4 Tennessee drivers paid less in insurance premiums than the national average, which was $1,070 in that same year.
Car Insurance Benefits Offered to Tennessee Drivers
Tennessee drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
- New Car Replacement§§
- Accident Forgiveness‡
- Disappearing Deductible‡
- 24/7 Claim Service
Digital Proof of Car Insurance in Tennessee
Tennessee law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident.
If you’re a licensed driver in the state of Tennessee, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Tennessee is also among several states that now accept electronic proof of car insurance. With The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Staying Safe on Tennessee Roads
As you travel through Tennessee, there are a number of safe driving laws meant to protect you on Tennessee’s highways and byways. Here are just a few you can follow to keep a clean driving record:5
Tennessee Seat Belt Laws:
Tennessee is one of 34 states that have a primary seat belt law – which means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
Tennessee Distracted Driving Laws:
Tennessee has a number of laws in place to discourage distracted driving:
- New and young drivers in Tennessee are not allowed to use hand-held cell phones.
- Texting while driving is banned in the State of Tennessee.
Tennessee Teen Driver Laws:
Getting a driver’s license is a rite of passage for teenagers, and Tennessee wants to be sure they stay safe in the process. Tennessee has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Get Free Car Insurance Quotes in Tennessee From The Hartford
Whether you’re looking for the minimum required liability coverage or full coverage car insurance in Tennessee, we know you have several car insurance companies to choose from. That’s why we make it easy to get a quote. Call us at
888-413-8970 or
get a quote online in just a few minutes. We have many insurance options and can help you decide how to get the best car insurance coverage in Tennessee for your needs.
Last Updated: July 7, 2022
2 Tennessee Department of Revenue, “Why You Should Have Auto Insurance”
3 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
4 Insurance Information Institute, “Facts + Statistics: Auto insurance”
5 Governors Highway Safety Association, “States”
