Whether you’re cruising past the honky-tonks on Broadway Street in Nashville, or heading to Grizzly game day in downtown Memphis, you always want to drive with confidence in Tennessee. That’s where Lemonade Car insurance in Tennessee comes in.
We offer top-of-the-line coverage and trunkloads of discounts—plus opportunities to make the road (and the world around us) a better place.
The fine print
Read below to get the full scoop on the coverages offered and required in Tennessee, or you can just go ahead and apply with Lemonade Car. It’s fast, easy, and even kind of fun!
Each state has its own requirements and limitations when it comes to car insurance coverage, but don’t sweat it—when you apply with Lemonade, we’ll automatically get you hooked up with coverage based on where you live.
Just a refresher: A “limit” in regard to your car insurance policy refers to the maximum amount your insurer would pay out on a certain type of claim.
For example, for bodily injury liability coverage, Tennessee driver’s limits are written like so: $25,000/$50,000. These numbers reflect that you carry $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in a covered accident). When selecting your limits, you’ll want to keep your budget and your coverage needs in mind.
Required car insurance coverages in Tennessee
To comply with Tennessee’s car insurance coverage requirements, Tennessee drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Tennessee drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $25,000/50,000 |
| Property damage liability coverage | $15,000 |
Every state has different rules and regulations pertaining to auto insurance. In Tennessee, you’re required to carry the coverages we’ll discuss in more detail below (although in certain cases you can opt out of coverages if you really don’t want them).
Liability insurance coverage
If you’re a law-abiding driver, you’re required in every state to have at least some liability coverage to be on the road.
Liability insurance is broken down into two parts: bodily injury liability and property damage liability. You’ll notice that both parts apply to damage to other people and their vehicles, not to yourself or your own car.
- Bodily injury liability coverage. If you accidentally injure someone else who is not a passenger in your car, this type of coverage can help cover their medical bills
- Property damage liability coverage. If you damage someone’s car or personal property, this type of coverage can cover the cost to repair or replace what was damaged
Lemonade Car offers several options for bodily injury liability coverage: $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, $250,000/$500,000
Tennessee requires drivers to carry a minimum coverage amount of: $25,000/$50,000
For property damage liability coverage, Lemonade Car offers coverages of: $15,000, $25,000, $50,000, $100,000
Tennessee requires drivers to carry a minimum coverage amount of: $15,000
Uninsured motorist bodily injury coverage
As we said earlier, in order to be a law-abiding driver, you need to have some sort of liability coverage.
Not everyone follows the rules, or gets sufficient liability coverage to foot all of the medical expenses if they injure you in an accident. That’s where uninsured motorist coverage comes in.
Uninsured motorist/underinsured bodily injury coverage (UMBIC) will help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Lemonade offers several options for uninsured/underinsured motorist bodily injury coverage: $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, $250,000/$500,000.
We will automatically include UMBI at the same limits as your bodily injury liability coverage when you get a quote, but you can reject or lower the limits of this coverage if you want to.
However, the state of Tennessee allows you to lower or remove this coverage if you sign a certain form. Once you’ve set up your policy, you can reach out to our team to lower your UMBIC if you really want to.
Uninsured motorist property damage coverage
If you get into a car accident with an uninsured driver, or with a driver who doesn’t have enough property damage liability coverage, this type of coverage can cover the costs of repairing your vehicle.
Lemonade Car offers several options for uninsured motorist property damage coverage: $15,000, $25,000, $50,000, $100,000
We will automatically include UMPD at the same limits as your property damage liability coverage when you get a quote, but you can reject or lower the limits of this coverage if you want to.
However, the state of Tennessee allows you to lower or remove this coverage if you sign a certain form. Once you’ve set up your policy, you can reach out to our team to lower or remove your UMPDC if you really want to.
Great coverages to have in Tennessee
While Tennessee law doesn’t mandate the following coverage options, you’ll want to consider them if you truly want peace-of-mind while on the road.
Comprehensive coverage
If you lease or finance your car, comprehensive coverage will be required from your lender.
Also known as “act of god” coverage, comprehensive insurance coverage helps pay to fix damage to your car (or possibly replace the car entirely) following an incident that wasn’t a car accident.
That means if your car is stolen, vandalized, or has an unexpected rendezvous with an animal, for example, comprehensive coverage can kick in to repair or replace your car. It’ll also come in handy if a storm causes a tree to fall on your Tesla, for instance.
Lemonade car offers comprehensive coverage with deductibles of: $250, $500, $1,000, or $2,000
Lemonade will pay up to the actual cash value of your car following a covered incident.
Collision coverage
If you lease or finance your car, collision coverage will be required from your lender. Lemonade Car drivers who want collision coverage must also carry comprehensive coverage on their policy.
Collision coverage helps pay to repair or replace your own car if it’s damaged in a covered accident with another vehicle or object, especially if you’re the one who caused the accident.
If you’re technically at fault for the damages to your car, in the case of a covered accident, your collision coverage will kick in for repairs on covered claims, and get you back on the road.
Lemonade car offers collision coverage with deductibles of: $250, $500, $1,000, or $2,000
Lemonade will pay up to the actual cash value of your car following a covered incident.
Medical payments coverage (MedPay)
If you or other passengers in your car get hurt in a covered car accident, this coverage comes into play, regardless of who was at fault.
In Tennessee, you have the option to add medical payments (MedPay) coverage to your car insurance policy.
MedPay covers some medical expenses, including, but not limited to:
- Ambulance fees after an accident
- X-rays, surgeries, or prostheses
- Health insurance co-pays
- Doctors and hospital visits
- Nursing services
- Funeral services
Lemonade Car offers Tennessee drivers MedPay coverage with limits of: $1,000, $2,000, $5,000, or $10,000.
Lemonade Car extras that are great to have in Tennessee
Want to really be cruising with confidence? Fill out your Lemonade Car policy with some of the following coverages.
Temporary transportation coverage
If you need alternative transportation while your car is being repaired after a covered incident, most insurers only offer the option of a rental car.
But Lemonade works differently, and will cover almost any type of transportation for up to a month while you’re waiting for your car in the shop. This includes Uber, Lyft, rental car expenses, or even public transportation like buses or Citi Bikes, up to your daily limit.
If you have both collision and comprehensive coverage on your car, you’ll get the option of selecting temporary transportation coverage for your car as well.
With Lemonade Car, if you choose to get temporary transportation coverage, you can sign up for a: $40 daily limit, $50 daily limit, or a $60 daily limit (for up to 30 days).
Roadside assistance
Roadside assistance provides towing and other emergency roadside services like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, and winching and battery service if your car breaks down.
Lemonade Car includes roadside assistance as part of a car insurance policy when users drive with the Lemonade app (and when the policy includes comprehensive and collision coverages). It’s included for each car listed, and it’s free if you meet that criteria.
Other car insurance companies offer the option for a customer to purchase emergency roadside assistance as an endorsement or for a monthly or annual fee, but Lemonade is happy to get you out of a pickle, on us!
With Lemonade Car, you can call on roadside assistance up to three times per covered vehicle within a 6-month policy period.
Glass and windshield coverage
Extended glass coverage (as we call it here at Lemonade) can be purchased as a rider to your existing auto insurance, and will help cover the costs to repair or replace your windshield if it’s damaged.
When you build your Lemonade Car insurance quote, Tennessee drivers have the option to choose extended glass coverage that allows you to replace your windshield, your sunroof, and your backglass—with a low deductible.
Only Lemonade Car drivers who add comprehensive coverage to their policies are eligible for extended glass coverage in Tennessee.
Lemonade Car offers Tennessee drivers extended glass coverage with a deductible of $50, which is significantly lower than a collision deductible.
How much does Lemonade Car insurance cost in Tennessee?
Well, that depends.
When building your Lemonade Car quote, we tailor your car insurance premium price based on a number of factors, including the car you drive, your driving record, your driving habits, how much you drive, your coverage limits, and your deductible.
Lemonade offers car insurance you can customize, because you deserve a policy that feels just right—and fits your budget.
Learn more about the cost of Lemonade car insurance.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website. It’s fast, easy, and simple to compare.
Apply now to get car insurance quotes in Tennessee.
So, what’s the best car insurance in Tennessee?
We might be biased, but Lemonade Car was designed to really shine for low mileage, safe, and environmentally conscious drivers. That’s why we give discounts to EV and hybrid drivers and offer special coverages for charging units.
What’s more, Lemonade drivers get to assist in global reforestation efforts from behind the wheel. How? Well, when you drive with the Lemonade app, we’ll track your mileage and plant trees to help clean up the carbon generated from your car.
So what about low mileage drivers? We price your policy based on how you drive and how much you drive, so the less you drive, the more you save.
Fast facts about Tennessee
Every 20 seconds in Tennessee, a brand-new car rolls off the assembly line
Tennessee is home to three major auto manufacturing plants. There’s a GM plant in Spring Hill, the Volkswagen plant in Chattanooga, and a historic Nissan plant in Smyrna.
The Nissan plant was the first automobile manufacturing plant to arrive in the Volunteer State in 1983. The plant has an annual capacity of 640,000 vehicles—the highest in North America.
The engineers in Smyrna produce many of Nissan’s most popular models, including our personal favorite, the Nissan Leaf, the brand’s first and only electric car.
Tow to tow
Like Mountain Dew, cotton candy, and mini golf, Tennessee is also the birthplace of the tow truck!
In 1916, Ernest Holmes Sr. of Chattanooga helped his friend retrieve his car with the help of three poles, a pulley, and some chain. After patenting his invention, Holmes began manufacturing and selling his towing equipment to garages who might want to pick up wrecked or damaged cars.
If your car ever gets towed (and we hope it doesn’t!) at least you’ll know you’re a part of a long-held Tennessee tradition.
Limited edition
Trenton is a small town in western Tennessee with a quirky claim to fame.
If you pass through Trenton, you’ll notice that the speed limit throughout the town is 31 miles per hour. Legend says that this odd speed limit was established way back in the 1960s when Trenton city council members compromised on 31 miles per hour after being unable to agree on either 30 or 35.
Trenton also happens to be home to the world’s largest teapot collection. Next time you’re driving west, you might want to stop by for a quick cup (just keep a close eye on your speedometer).
Before we go…
Tennessee drivers, we’re excited for you to take Lemonade Car for a spin (we just hope you don’t get stuck in Nashville traffic.)
If you’re looking to dive deeper into Lemonade car insurance, go ahead and…
- Learn how location-based technology is changing Lemonade’s coverage game
- Get the basics and beyond of what car insurance covers
- Take a closer look at exactly what makes Lemonade Car different
- Check out our other insurance products like renters, homeowners, pet, and life
Happy driving!
FAQs
What is the minimum auto coverage required in Tennessee?
Tennessee mandates a minimum of $25,000/$50,000 for bodily injury liability and $15,000 for property damage liability. These coverages are required to legally get behind the wheel in “The Volunteer State”.
What happens if I don’t have the minimum coverage required by the state of Tennessee?
If you don’t have the minimum required coverage in Tennessee, you could face fines and risk losing your vehicle registration. Additionally, you may be held financially responsible for any damages or injuries you cause in an accident.
Is Tennessee a no-fault state?
No, Tennessee is not a no-fault state. This means that if you’re deemed “at-fault” in a car accident (aka you cause the accident), you’ll be responsible for covering the costs of the damages and injuries that result from the accident. For example, if you were not paying attention to the roads, and rear end another vehicle stopped at a red light, you would be the at-fault driver.
Are there any specific coverages recommended for Tennessee’s weather conditions?
Given Tennessee’s severe weather, including thunderstorms and floods, comprehensive coverage is a smart choice for Tennessee drivers. This coverage helps protect your vehicle against damage from natural events like hail, floods, and falling trees.
Do Tennessee drivers get benefits for driving electric or hybrid vehicles?
Yes, Lemonade offers extra discounts and insurance coverages—like for your home charging station and portable EV charger—for drivers of electric and hybrid vehicles.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
