Free checklist · Printable PDF
Tennessee Auto Insurance Review Checklist
A yearly auto insurance review takes about 20 minutes and can catch gaps before they matter. Grab your declarations page and work through this list. Every legal figure here links to an official Tennessee source.
- Veteran-owned (USMC)
- Independent agent: compares multiple carriers
- Free, no-obligation quotes
Quick takeaway
- Tennessee’s minimum liability limits are $25,000 per person, $50,000 per accident for injuries, and $25,000 for property damage, per the Department of Revenue.
- Tennessee policies include uninsured motorist coverage at your liability limits unless the named insured rejects it or lowers it in writing.
- Many drivers choose limits well above the minimum to protect their savings.
Your limits
- Compare your bodily injury and property damage limits to the Tennessee minimum of 25/50/25 (Tennessee Department of Revenue).
- Ask what higher limits would cost, and whether an umbrella makes sense.
- Check your uninsured and underinsured motorist limits. Under Tenn. Code § 56-7-1201, they match your liability limits unless rejected or lowered in writing.
- Ask whether you have uninsured motorist property damage coverage.
Your car and deductibles
- Confirm collision and comprehensive deductibles you could comfortably pay.
- If you have a loan or lease, check your lender’s requirements and whether gap coverage makes sense.
- Consider rental reimbursement and roadside assistance.
- Make sure every car you own is listed, with the right garaging address.
Drivers and use
- List every licensed driver in the household, including teens with a permit, as the carrier requires.
- Tell your agent about rideshare or delivery driving, which personal policies often exclude.
- Note any business use, like driving to job sites with tools.
- Keep proof of insurance in the car or on your phone.
Ways you may save
- Ask about bundling with home or renters insurance.
- Ask about safe driver, good student, multi-car, or paperless discounts, which vary by carrier.
- Ask whether a telematics (driving app) program is available and how it works.
Why the minimum may not be enough
A serious crash can cost far more than $25,000 per person. If your limits run out, you could be responsible for the rest. Read Tennessee minimums vs. the coverage you really need and how uninsured motorist coverage works in Tennessee.
Download, print, and share
Download the free Tennessee Auto Insurance Review Checklist (PDF). It’s a direct download, with no form to fill out. Print it, check things off, and bring it to your next coverage review.
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Frequently asked questions
What is the minimum car insurance in Tennessee?
The Tennessee Department of Revenue lists minimum liability limits of $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage.
Do I have to carry uninsured motorist coverage in Tennessee?
Tennessee policies include it at your bodily injury limits by default. The named insured can reject it or choose lower limits in writing, under Tenn. Code § 56-7-1201.
How often should I review my car insurance?
At least once a year, and any time you buy a car, move, add a driver, or change how you use your vehicle.
Want a second set of eyes?
Bring this checklist to a free coverage review. Eric can walk through it with you, explain what you have, and help you shop options from more than one carrier. Call or text 615-808-1105.
Coverage descriptions are general information only; your policy documents determine actual coverage. Availability varies by carrier.
Eric Henry, licensed insurance producer, NPN 3953606 · Affiliated with Hutsenpiller Insurance. Coverage subject to policy terms and carrier approval.