Car Insurance in Tennessee
Visiting the Country Music Hall of Fame in Nashville or tailgating at a Tennessee Titans game? Get covered with Lemonade car insurance in Tennessee—the smart choice for drivers in the Volunteer State.
How much does car insurance
cost in Tennessee?
The average estimated cost of Lemonade car insurance in Tennessee ranges from roughly $728 to $768 per year*, depending on factors like your age, driving history, car type, and location.
Here’s a look at rates in major Tennessee cities:
| City | Average monthly base premium* |
|---|---|
| Nashville | $70 to $79 |
| Memphis | $60 to $69 |
| Knoxville | $60 to $69 |
| Chattanooga | $70 to $79 |
How can I get cheaper car
insurance in Tennessee?
Lemonade offers Tennessee drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance in Tennessee?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Tennessee?
To meet Tennessee car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Tennessee drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $25,000 |
What additional car insurance coverages
does Lemonade offer in Tennessee?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreFind Lemonade car insurance near you
Tennessee car insurance FAQs
How can I lower my car insurance premium in Tennessee?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Tennessee that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Tennessee get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
What happens if I don’t have the minimum coverage required by the state of Tennessee?
Without the required coverage in Tennessee, you could face fines and risk losing your vehicle registration. Additionally, you may be held 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.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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