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Tennessee Auto Insurance

Acceptance has become a leader in Tennessee auto insurance because we know what our customers want in an insurance policy - the best value and service for the money. Our range of insurance products includes policies such as the following:

State Requirements

  • The State of Tennessee requires that drivers have bodily injury liability coverage of at least $25,000 for each person and $50,000 for each total accident, and property damage liability coverage of at least $15,000 per accident.
  • The State of Tennessee requires that drivers carry uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident, and uninsured motorist property damage coverage of at least $15,000 per accident. (Even though this is required coverage, the state does allow you to opt out and reject the coverage but you must do so in writing.)


Basic Liability Coverage

Liability insurance will cover the costs of the other party's medical bills and repairs to their damaged property if you are at fault for an accident. This is the most basic level of Tennessee auto insurance to legally drive in this state. Many drivers choose to get more than the minimum required coverage, since vehicle repairs and medical bills can often far exceed these amounts. 


Comprehensive and Collision Coverage

If you want your own repair costs and rental car covered after an accident, you will need comprehensive and collision coverage. While collision coverage will take care of the damage to your vehicle and after an accident, comprehensive policies also cover related costs incurred from fire, theft, vandalism or damage to the windshield from rocks and other debris. Acceptance offers flexible monthly payment options for comprehensive and collision coverage based on the deductible you choose.


Uninsured Motorist Coverage

This is an important type of insurance to have whether it's required or not, because not all drivers on the road are carrying insurance, or many have insufficient coverage. With uninsured motorist insurance, you can be sure you're covered.