Licensed Tennessee agents comparing 40+ carriers for auto, home, and commercial coverage. Protecting Nashville, Memphis, Knoxville, and communities across the Volunteer State.
Tennessee has the 5th-highest uninsured driver rate in the nation at 21.3%. More than 1 in 5 Tennessee drivers carries no insurance, making UM/UIM coverage essential — even though the state does not require it.
Tennessee follows modified comparative negligence with a 50% bar. You can recover damages if you are less than 50% at fault, but your compensation is reduced by your fault percentage.
Tennessee has one of the lowest property damage minimums at just $15,000. A single accident can easily exceed this amount, leaving you personally liable for the difference. We recommend carrying at least $100,000 in property damage coverage.
With 21.3% of Tennessee drivers uninsured, UM/UIM coverage is not optional — it is essential. We recommend at least 100/300/100 liability with matching UM/UIM coverage. Tennessee's $15,000 PD minimum is dangerously low for modern vehicle values.
Tennessee sits at the crossroads of two significant natural hazards: Dixie Alley tornadoes and the New Madrid Seismic Zone. The state experiences more nighttime tornadoes than almost any other state, making them particularly dangerous because residents are asleep and less likely to receive warnings.
The March 2020 Nashville tornado outbreak underscored the destructive power of tornadoes in Middle Tennessee, causing over $1.5 billion in damage. Standard homeowners policies cover tornado damage under wind coverage, but deductible structures vary — some carriers impose percentage-based wind/hail deductibles that can cost thousands more out of pocket.
Tennessee is one of the few states with no FAIR Plan (insurer of last resort) for homeowners who cannot find coverage in the private market. This makes working with an independent agent who has access to multiple carriers especially important for Tennessee homeowners with challenging properties or claims history.
Tennessee employers who fail to carry required workers compensation face fines up to $5,000 and may be enjoined from operating until coverage is obtained. Officers may also face criminal penalties.
Tennessee requires workers compensation for employers with 5 or more employees. Construction employers must carry coverage regardless of employee count when working on state-funded projects. Coal mining employers also have mandatory coverage requirements.
Tennessee's automotive manufacturing corridor (Nissan, GM, Volkswagen), healthcare industry (Nashville is the healthcare capital of the US), and growing tech sector create diverse commercial insurance needs. From product liability for manufacturers to professional liability for healthcare providers, our agents structure comprehensive commercial programs.
Knowledge of Tennessee's 21.3% uninsured driver rate and how to structure policies that protect you from uninsured motorists.
Expertise with Tennessee's Dixie Alley tornado risk and wind/hail deductible structures that minimize out-of-pocket costs.
New Madrid Seismic Zone earthquake coverage options for West Tennessee homeowners.
Commercial insurance expertise for Tennessee's automotive, healthcare, and logistics industries.
We compare rates from these top-rated carriers — and more — to find the best coverage and price for Tennessee residents.
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Tennessee requires 25/50/15 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and just $15,000 property damage. UM/UIM coverage is not required but is strongly recommended given Tennessee's 21.3% uninsured driver rate.
At 21.3%, Tennessee has the 5th-highest uninsured driver rate in the nation. Contributing factors include lower average incomes in rural areas, limited public transportation alternatives, and enforcement challenges. This makes Uninsured/Underinsured Motorist coverage essential for every Tennessee driver.
Standard homeowners policies do not cover earthquake damage. Tennessee's western region sits on the New Madrid Seismic Zone, which produced some of the most powerful earthquakes in North American history. Earthquake coverage is available as a separate policy or endorsement and is recommended for homeowners in West Tennessee.
Yes. Tennessee employers with 5 or more employees must carry workers compensation insurance. Construction employers working on state-funded projects must carry coverage regardless of employee count. Penalties include fines up to $5,000 and potential injunctions against business operations.
Tennessee is in "Dixie Alley," a region that experiences more nighttime tornadoes than traditional Tornado Alley. The March 2020 Nashville tornado outbreak caused over $1.5 billion in damage. Standard homeowners policies cover tornado damage, but deductible structures vary significantly between carriers.
No. Tennessee is one of the few states without a FAIR Plan (insurer of last resort). If you have difficulty finding homeowners coverage due to claims history or property condition, working with an independent agent who accesses 40+ carriers gives you the best chance of finding coverage in the private market.
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