Tennessee insurance shopping
Did your Tennessee car insurance go up? Check the rate change before you cut coverage.
Tennessee publishes insurer rate-change information, which gives shoppers useful context when a renewal increases. Your own premium is still personal, but the increase may not be caused by anything you did.
Rate changes
Can I see if Tennessee insurers are raising rates?
Yes. The Tennessee Department of Commerce and Insurance publishes monthly auto policy rate-change information based on insurer filings.
The table does not tell you exactly what your personal premium should be, but it can show whether a company changed rates for a larger group of customers.
Tennessee auto rules
What is Tennessee’s minimum car insurance?
$25,000
Injury or death to one person.
$50,000
Total injuries or deaths in one accident.
$25,000
Property damage per accident.
If you finance or lease a vehicle, the lender or lease company may also require collision and comprehensive.
Before you shop
What should I check on my renewal?
- The old premium and the new premium.
- Drivers and vehicles.
- Address and annual mileage.
- Liability limits.
- Collision and comprehensive deductibles.
- Discounts that may have changed.
- Rental, roadside and other optional coverage.
If you still cannot see why the price changed, ask the insurer. Then use the current policy as your baseline when you compare other options.
Changing coverage
Should I lower coverage to get my old payment back?
Only after you see the trade-off. A higher deductible may lower the premium, but it also means you pay more after a covered loss. Lower liability limits can reduce the price, but they also reduce the amount the policy can pay for damage you cause.
Ask for the exact savings before you change anything. A small premium reduction may not be worth a large increase in what you would have to pay yourself.
Switching
How do I switch Tennessee car insurance without a gap?
Confirm the new policy, effective date and payment first. Then cancel the old policy after the replacement coverage starts. A quote alone does not mean you are insured.
Primary sources
Tennessee sources
Tennessee Department of Commerce and Insurance: Monthly Auto Policy Rates
Tennessee Department of Revenue: Financial Responsibility Law
Related questions
What should you look at next?
Shopping next step
Ready to compare your options?
You now know what to look for before you focus on price. Ensurance helps people shop for better insurance prices and coverage options through one protected request, so you can keep the important details together instead of starting over again and again.
Start a Tennessee auto request
Updated September 18, 2026. Ensurance is a U.S. insurance-shopping company. This page is educational. Insurance prices, availability, eligibility and policy terms vary. Licensed insurance professionals handle policy-specific advice and available options.