Tennessee Car Insurance
Enjoy worry-free driving with reliable car insurance
At Farm Bureau Insurance of Tennessee, we’re here to help you steer clear of any obstacles you may encounter on the road (or off). Explore our car insurance coverage options or speak with an agent today.
Explore the types of car insurance coverage we offer.
Drive protected with the right coverage for your vehicle and lifestyle. Discover a range of options from liability to comprehensive coverage, tailored to your unique needs.
Bodily Injury Liability Insurance
What’s covered?
This liability insurance covers claims and your defense costs if you are legally liable for a car accident that injures someone else.
Why do I need this?
Tennessee drivers are required to have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Collision Coverage
What’s covered?
Collision insurance covers the cost of damages to your vehicle in cases of accidents, such as collisions with other vehicles or objects like trees or median strips. When you’re choosing your collision insurance deductible, keep in mind that opting for a lower deductible means you’ll have to pay less upfront for repairs when needed, but your monthly premium will be higher. On the other hand, a higher deductible will lower your monthly premium but require you to cover more of the repair costs out-of-pocket.
Why do I need this?
Tennessee drivers who lease or finance a vehicle may be required to purchase collision insurance by their lender.
Property Damage Liability Insurance
What’s covered?
Property damage liability insurance covers claims and your defense costs if you are legally liable for an auto accident that damages the property of others.
Why do I need this?
The state of Tennessee requires that drivers have a minimum of $25,000 per accident in property damage liability insurance coverage.
Comprehensive Coverage
What’s covered?
Comprehensive insurance pays for damages to your vehicle caused by things other than collisions, such as fire, theft, flood, hail, vandalism, hitting a bird or animal, or glass breakage.
Why do I need this?
Tennessee drivers who lease or finance a vehicle may be required to purchase comprehensive insurance by their lender. Avoid unexpected expenses that can drain your finances with comprehensive insurance coverage for your vehicle.
Other Tennessee Car Insurance Coverages
Medical Payments Coverage
Pays medical expenses caused by an auto accident to you or others in your auto.
Road Side Assistance Reimbursement
Pays a fixed amount for towing to the nearest service station if your auto is mechanically or electrically disabled, mechanical first aid at the place of disablement, or locksmith service if the keys are locked in your auto.
Uninsured Bodily Injury Coverage
Pays damages if you or others in your vehicle are injured by an uninsured or underinsured motor vehicle.
Rental Car Reimbursement
Pays a certain amount per day for a rental car while your auto is being repaired or replaced because of a comprehensive or collision loss for up to 30 days.
Uninsured Property Damage Coverage
Covers the cost of damages to your auto and property in your auto if it is hit by an uninsured or underinsured motor vehicle.
Does my vehicle qualify for car insurance?
Our local insurance agents are here to help you determine the best options for insuring your specific ride.
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Common questions about auto insurance
Does Tennessee require auto insurance?
In Tennessee, drivers are required to provide proof of financial responsibility in the event of an auto accident, which most people do by purchasing liability automobile insurance.
What is the minimum auto insurance coverage in Tennessee?
The minimum auto insurance coverage in Tennessee includes $25,000 per person and $50,000 per accident for bodily injury liability, as well as $25,000 for property damage liability.
What auto insurance discounts are available?
Auto insurance discounts in Tennessee can differ between insurers, but they often include discounts for safe drivers, multi-car policies, and multi-policy discounts for bundling car, home, and life insurance.
What is considered full coverage for auto insurance in Tennessee?
"Full coverage" typically refers to a combination of liability, collision, and comprehensive coverage. It includes protection for damage to your vehicle, damage to others, and non-collision incidents like theft, vandalism, or natural disasters. Full coverage is not a specific policy but a term used to describe comprehensive protection.
Not sure what kind of coverage you need?
Speak with a local Farm Bureau Insurance agent today.
