Home / Minimum Car Insurance Requirements by State / Tennessee
Tennessee Minimum Car Insurance Requirements
The short answer
Tennessee requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
Tennessee at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | No other coverage is required besides liability. State law requires that uninsured motorist coverage be offered to you. |
| First offense for driving uninsured | Not confirmed on a state source; ask the agency |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | A registration suspended through the insurance verification program is restored after you pay $125 in coverage failure fees ($25 initial plus $100 continued) and show proof of insurance. A 2026 law raises these fees starting July 1, 2027. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Tennessee?
Tennessee requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
What happens if you drive without insurance in Tennessee?
Tennessee sets penalties in state law; we could not confirm them on a state source, so check with the state agency.