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Tennessee
Dragon Insurance Services is licensed in Tennessee. We provide independent guidance for auto, home, business, and specialty coverage. Our advisors focus on families and small businesses in Nashville, Memphis, Knoxville, and Chattanooga and can help you compare rates, coverage, and carrier options across 30+ carriers.
Minimum Requirements
Tennessee requires minimum auto liability of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Tennessee is an at-fault state, meaning your liability coverage pays the other party's costs if you cause an accident. These minimums remain low compared to many other states, so we recommend higher limits given Tennessee's high uninsured motorist rate.
Regional Risk Factors
Carrier Availability
Tennessee has one of the highest uninsured motorist rates in the US, around 20 percent of drivers. Uninsured motorist coverage is not required in Tennessee, but insurers must offer it and drivers may reject it in writing. Carrier availability varies by storm exposure zone, roof age, and proximity to flood-prone areas along the Cumberland, Tennessee, and Mississippi river systems.
Coverage Available in Tennessee
Compare carriers and find your best rate.
Dragon Insurance is an independent agency in Camp Hill, PA we shop 30+ carriers to find the right coverage at the right price.
Common Questions About Insurance in Tennessee
Tennessee requires minimum liability of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Tennessee is an at-fault state, meaning your liability coverage pays the other party's costs if you cause an accident. These minimums are still low by national standards. Tennessee also has one of the highest uninsured motorist rates in the country (approximately 20 percent), making uninsured motorist coverage a smart add-on even though it is not required.
According to Bankrate's 2026 rate analysis, Tennessee drivers pay an average of $43 per month for minimum coverages and $167 per month for full coverage. Full coverage adds collision coverage and comprehensive coverage on top of your liability limits. Your rate depends on your driving record, vehicle, ZIP code, and credit. Full coverage also typically includes medical payments coverage for medical expenses after an accident. The best way to find your real price is to compare auto insurance quotes across carriers. Dragon compares 30+ carriers so Tennessee drivers see the lowest rate for their profile in one call.
Yes. We are licensed in Tennessee and work with clients across the state: Nashville and the surrounding metro, Memphis, Knoxville, Chattanooga, Murfreesboro, and Franklin. We compare 30+ carriers for auto, home, renters, and business insurance throughout Tennessee.
No. Standard homeowners policies exclude flood damage. Tennessee experiences significant flooding along the Cumberland River in Nashville, the Tennessee River system, and the Mississippi River floodplains in the western part of the state. Homeowners in low-lying or river-adjacent areas should consider a separate NFIP or private flood policy. We help you evaluate flood risk for your specific address and compare flood insurance options.
Yes. Tennessee sits in a severe weather corridor that produces frequent tornadoes, large hail events, and straight-line windstorms, particularly in the spring months. The Nashville area sees some of the highest tornado frequency in the Southeast. Hail damage is a leading cause of home and auto claims in Middle and West Tennessee. We compare carriers that write competitively in Tennessee storm-risk zones and have strong claims performance records.
Tennessee law requires carriers to include uninsured motorist (UM) coverage in every auto policy, but drivers may reject it in writing under T.C.A. § 56-7-1201. We strongly recommend keeping it. Approximately 20 percent of Tennessee drivers are uninsured, one of the highest rates in the country, which means the risk of being hit by an uninsured driver is real. Without UM coverage, you pay out of pocket for your own injuries and vehicle damage. The cost to keep it is modest.
Yes. We are licensed in Tennessee for both personal and commercial lines. Small businesses in Nashville, Memphis, Knoxville, and across Tennessee can get quotes for general liability, Business Owner's Policy (BOP), commercial auto, workers compensation, and professional liability. We compare 30+ carriers to find competitive options for your industry and business size.