Tennessee Car and Motorcycle Insurance Law

Required Minimum Bodily Injury/Property Damage Coverage

  • In Tennessee, you can choose between a "split limit" or a "single limit" policy.
  • A split-limit policy with a limit of not less than twenty-five thousand dollars ($25,000) for bodily injury to or death of one (1) person, not less than fifty thousand dollars ($50,000) for bodily injury to or death of two (2) or more persons in any one (1) accident, and not less than fifteen thousand dollars ($15,000) for damage to property in any one (1) accident.
  • The single limit is $60,000 per accident for all damages.

Optional Insurance Coverage

  • Uninsured Motorist (UM) Coverage. In Tennessee, UM coverage includes underinsured motorist (UIM) coverage. UM must be at least the minimum amount of bodily injury coverage required. If an insured purchases more than the minimum amount of required bodily injury coverage, he or she can purchase lesser amounts of UM.

Special Laws for Motorcycles

  • The commissioner of commerce and insurance fixes and establishes premium charges for insurers to provide a ten percent (10%) reduction in premium rates for motorcycle liability insurance to qualified licensed motorcycle operators who provide proof of successful completion of a state-approved rider training course. The premium reduction remains in effect for the qualifying insured persons for a period of three (3) years from the date of successful completion of the approved course. However, the insurer may elect to apply the premium reduction beginning at the next renewal date of the policy and continuing for a period of three (3) years.

Need more information on state laws? Learn more about the laws where you live.

Note: Our attorneys are licensed to practice law in Pennsylvania, West Virginia, Ohio, Maryland, and Virginia. This information is not intended to solicit clients for matters outside of the states of Pennsylvania, Ohio, West Virginia, Maryland, and Virginia, although if you are injured in an accident, we have relationships with other personal injury attorneys and lawyers throughout the United States.

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