Insurance requirement guides for Tennessee.
$25,000 / $50,000 / $25,000
Bodily injury per person / per accident / property damage, written 25/50/25
Set by T.C.A. § 55-12-102. Read off the statute on , and the figure every Tennessee guide on this site is checked against.
Compare it with every stateInsurance regulation
Licensing and insurance verification
Tennessee licenses contractors at $25,000+, with GL insurance scaling to $1M by monetary limit — plus a new bond alternative to the CPA statement.
Tennessee has no boat insurance mandate and does not title boats; marinas on TVA and Corps lakes set their own slip limits. A first BUI carries at least 48 hours in jail, and Kentucky Lake runs 184 miles.
Tennessee raised motorcycle property-damage liability to $25,000 in 2023 under the same law that covers cars, and enforces a universal helmet law for riders of every age.
Real estate agents need E&O and general liability insurance for licensing and brokerage contracts. Learn coverage requirements, typical costs, and state-by-state rules.
Tennessee's property-damage minimum rose to $25,000 in 2023, and contrary to a widely repeated claim the state requires no PIP at all — nothing covers your own injuries.
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Every guide on this page covers a Tennessee requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Tennessee guide on this site is checked against that same figure. The regulators linked above are where Tennessee publishes the rules, so they are the place to confirm anything before you rely on it.
