Is Tennessee a no-fault state?
No. Tennessee is an at-fault state. Drivers must be able to pay for crashes they cause, usually through liability insurance.
Last checked November 9, 2026 · Official sources (4)
How does Tennessee car insurance work?
“Tennessee's Financial Responsibility Law requires you to be financially responsible in the event of an automobile accident.”
Tennessee Department of Revenue
What is Tennessee's minimum car insurance?
| Coverage | What Tennessee requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Uninsured motorist coverage is included at your liability limits unless you reject it or pick lower limits in writing. |
Other at-fault states
Questions
How much insurance does Tennessee require?
At least $25,000 per person and $50,000 per crash for injuries, and $25,000 for property damage.
What if you were partly at fault in Tennessee?
You can recover only if you were less than 50% at fault, and your money is reduced by your share of fault.
Hurt in a crash in Tennessee? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Tennessee Department of Revenue, checked 2026-11-09. “Tennessee's Financial Responsibility Law requires you to be financially responsible in the event of an automobile accident.”
- Tennessee Department of Revenue, checked 2026-11-09. “The required minimum limits of your liability car insurance are: $25,000 for each injury or death per accident. $50,000 for total injuries or deaths per accident. $25,000 for property damage per accident.”
- Tenn. Code Ann. § 56-7-1201 (via Justia), checked 2026-11-09. “However, any named insured may reject in writing the uninsured motorist coverage completely or select lower limits of the coverage but not less than the minimum coverage limits in § 55-12-107.”
- Tennessee Department of Commerce and Insurance, Bulletin (June 29, 1993), checked 2026-11-09. “instituted a system of modified comparative negligence in Tennessee wherein a plaintiff must be less than 50% at fault in order to recover. Defendants are assessed liability according to their percentage of negligence.”