Tennessee Car Insurance Coverage

Because there’s so much to see in Tennessee.

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Whether you’re cruising past the honky-tonks on Broadway Street in Nashville, or heading to Grizzly game day in downtown Memphis, you always want to drive with confidence in Tennessee. That’s where Lemonade Car insurance comes in. 

We offer top-of-the-line coverage and trunkloads of discounts—plus opportunities to make the road (and the world around us) a better place. 

Lemonade Car was designed to really shine for low mileage, safe, and environmentally conscious drivers. That’s why we give discounts to EV and hybrid drivers and offer special coverages for charging units. 

What’s more, Lemonade drivers get to assist in global reforestation efforts from behind the wheel. How? Well, when you drive with the Lemonade app, we’ll track your mileage and plant trees to help clean up the carbon generated from your car. 

So what about low mileage drivers? We price your policy based on how you drive and how much you drive, so the less you drive, the more you save. 

The fine print

Each state has its own requirements and limitations when it comes to car insurance coverage, but don’t sweat it—when you apply with Lemonade, we’ll automatically get you hooked up with coverage based on where you live. 

Just a refresher: A “limit” in regard to your car insurance policy refers to the maximum amount your insurer would pay out on a certain type of claim. 

For example, for bodily injury liability coverage, Tennessee driver’s limits are written like so: $25,000/$50,000. These numbers reflect that you carry $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in a covered accident). When selecting your limits, you’ll want to keep your budget and your coverage needs in mind. 

Read below to get the full scoop on the coverages offered and required in Tennessee, or you can just go ahead and apply with Lemonade Car. It’s fast, easy, and even kind of fun! 

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Here’s what we’ll be covering: 

Required Tennessee Coverages 

Every state has different rules and regulations pertaining to car insurance. In Tennessee, you’re required to carry the coverages we’ll discuss below (although in certain cases you can opt out of coverages if you really don’t want them). 

Liability coverage

If you’re a law-abiding driver (and we know you are), you’re required in every state to have at least some liability coverage to be on the road. 

Liability insurance is broken down into two parts: bodily injury liability and property damage liability. You’ll notice that both parts apply to damage to other people and their vehicles, not to yourself or your own car. 

  • Bodily injury liability coverage. If you accidentally injure someone else who is not a passenger in your car, this type of coverage can help cover their medical bills
  • Property damage liability coverage. If you damage someone’s car or personal property, this type of coverage can  cover the cost to repair or replace what was damaged

Lemonade Car offers several options for bodily injury liability coverage: $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, $250,000/$500,000

Tennessee requires drivers to carry a minimum coverage amount of: $25,000/$50,000

For property damage liability coverage, Lemonade Car offers coverages of: $15,000, $25,000, $50,000, $100,000

Tennessee requires drivers to carry a minimum coverage amount of: $15,000

Uninsured motorist bodily injury coverage 

As we said earlier, in order to be a law-abiding driver, you need to have some sort of liability coverage. 

Not everyone follows the rules, or gets sufficient liability coverage to foot all of the medical expenses if they injure you in an accident. That’s where uninsured motorist coverage comes in. 

Uninsured motorist/underinsured bodily injury coverage (UMBIC) will help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. 

Lemonade offers several options for uninsured/underinsured motorist bodily injury coverage: $25,000/$50,000, $50,000/$100,000, $100,000/$300,000, $250,000/$500,000. 

We will automatically include UMBI at the same limits as your bodily injury liability coverage when you get a quote, but you can reject or lower the limits of this coverage if you want to. 

However, the state of Tennessee allows you to lower or remove this coverage if you sign a certain form. Once you’ve set up your policy, you can reach out to our team to lower your UMBIC if you really want to. 

Uninsured motorist property damage coverage 

If you get into a car accident with an uninsured driver, or with a driver who doesn’t have enough property damage liability coverage, this type of coverage can cover the costs of repairing your vehicle. 

Lemonade Car offers several options for uninsured/underinsured motorist property damage coverage: $15,000, $25,000, $50,000, $100,000 

We will automatically include UMPD at the same limits as your property damage liability coverage when you get a quote, but you can reject or lower the limits of this coverage if you want to. 

However, the state of Tennessee allows you to lower or remove this coverage if you sign a certain form. Once you’ve set up your policy, you can reach out to our team to lower or remove your UMPDC if you really want to. 

Great coverages to have in Tennessee 

While Tennessee law doesn’t mandate the following coverages, you’ll want to consider them if you truly want peace-of-mind while on the road.

Comprehensive coverage

If you lease or finance your car, comprehensive coverage will be required from your lender. 

Also known as “act of god” coverage, comprehensive insurance coverage helps pay to fix damage to your car (or possibly replace the car entirely) following an incident that wasn’t a car accident.

That means if your car is stolen, vandalized, or has an unexpected rendezvous with an animal, for example, comprehensive coverage can kick in to repair or replace your car. It’ll also come in handy if a storm causes a tree to fall on your Tesla, for instance.

Lemonade car offers comprehensive coverage with deductibles of: $250, $500, $1,000, or $2,000

Lemonade will pay up to the actual cash value of your car following a covered incident.

Collision coverage 

If you lease or finance your car, collision coverage will be required from your lender. Lemonade Car drivers who want collision coverage must also carry comprehensive coverage on their policy. 

Collision coverage helps pay to repair or replace your own car if it’s damaged in a covered accident with another vehicle or object, especially if you’re the one who caused the accident. 

If you’re technically at fault for the damages to your car, in the case of a covered accident, your collision coverage will kick in for repairs on covered claims, and get you back on the road.

Lemonade car offers collision coverage with deductibles of: $250, $500, $1,000, or $2,000

Lemonade will pay up to the actual cash value of your car following a covered incident.

Medical payments coverage (MedPay)

If you or other passengers in your car get hurt in a covered car accident, this coverage comes into play, regardless of who was at fault. 

In Tennessee, you have the option to add medical payments (MedPay) coverage to your car insurance policy. 

MedPay covers some medical expenses, including, but not limited to:

  • Ambulance fees after an accident
  • X-rays, surgeries, or prostheses
  • Health insurance co-pays
  • Doctors and hospital visits
  • Nursing services
  • Funeral services

Lemonade Car offers Tennessee drivers MedPay coverage with limits of: $1,000, $2,000, $5,000, or $10,000.

Lemonade Car extras that are great to have 

Want to really be cruising with confidence? Fill out your Lemonade Car policy with some of the following coverages. 

Temporary transportation coverage

If you need alternative transportation while your car is being repaired after a covered incident, most insurers only offer the option of a rental car.

But Lemonade works differently, and will cover almost any type of transportation for up to a month while you’re waiting for your car in the shop. This includes Uber, Lyft, rental car expenses, or even public transportation like buses or Citi Bikes, up to your daily limit.

If you have both collision and comprehensive coverage on your car, you’ll get the option of selecting temporary transportation coverage for your car as well. 

With Lemonade Car, if you choose to get temporary transportation coverage, you can sign up for a: $40 daily limit, $50 daily limit, or a $60 daily limit (for up to 30 days).

Roadside assistance 

Roadside assistance provides towing and other emergency roadside services like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, and winching and battery service if your car breaks down. 

Lemonade Car includes roadside assistance as part of a car insurance policy when users drive with the Lemonade app (and when the policy includes comprehensive and collision coverages). It’s included for each car listed, and it’s free if you meet that criteria.

Other car insurance companies offer the option for a customer to purchase emergency roadside assistance as an endorsement or for a monthly or annual fee, but Lemonade is happy to get you out of a pickle, on us!

With Lemonade Car, you can call on roadside assistance up to three times per covered vehicle within a 6-month policy period.

Glass and windshield coverage

Extended glass coverage (as we call it here at Lemonade) can be purchased as a rider to your existing auto insurance, and will help cover the costs to repair or replace your windshield if it’s damaged. 

When you build your Lemonade Car insurance quote, Tennessee drivers have the option to choose extended glass coverage that allows you to replace your windshield, your sunroof, and your backglass—with a low deductible.

Only Lemonade Car drivers who add comprehensive coverage to their policies are eligible for extended glass coverage in Tennessee. 

Lemonade Car offers Tennessee drivers extended glass coverage with a deductible of $50, which is significantly lower than a collision deductible.

How much does Lemonade Car insurance cost in Tennessee?

Well, that depends. 

When building your Lemonade Car quote, we tailor your car insurance premium price based on a number of factors, including the car you drive, your driving record, your driving habits, how much you drive, your coverage limits, and your deductible. 

Lemonade offers car insurance you can customize, because you deserve a policy that feels just right—and fits your budget. 

Learn more about the cost of Lemonade car insurance

The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website. It’s fast, easy, and simple to compare.

Apply now to get car insurance quotes in Tennessee. 

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Fast facts about Tennessee 

Every 20 seconds in Tennessee, a brand-new car rolls off the assembly line

Tennessee is home to three major auto manufacturing plants. There’s a GM plant in Spring Hill, the Volkswagen plant in Chattanooga, and a historic Nissan plant in Smyrna.

The Nissan plant was the first automobile manufacturing plant to arrive in the Volunteer State in 1983. The plant has an annual capacity of 640,000 vehicles—the highest in North America. 

The engineers in Smyrna produce many of Nissan’s most popular models, including our personal favorite, the Nissan Leaf, the brand’s first and only electric car. 

Tow to tow

Like Mountain Dew, cotton candy, and mini golf, Tennessee is also the birthplace of the tow truck! 

In 1916, Ernest Holmes Sr. of Chattanooga helped his friend retrieve his car with the help of three poles, a pulley, and some chain. After patenting his invention, Holmes began manufacturing and selling his towing equipment to garages who might want to pick up wrecked or damaged cars. 

If your car ever gets towed (and we hope it doesn’t!) at least you’ll know you’re a part of a long-held Tennessee tradition. 

Limited edition 

Trenton is a small town in western Tennessee with a quirky claim to fame.

If you pass through Trenton, you’ll notice that the speed limit throughout the town is 31 miles per hour. Legend says that this odd speed limit was established way back in the 1960s when Trenton city council members compromised on 31 miles per hour after being unable to  agree on either 30 or 35. 

Trenton also happens to be home to the world’s largest teapot collection. Next time you’re driving west, you might want to stop by for a quick cup (just keep a close eye on your speedometer). 

Before we go… 

Tennessee drivers, we’re excited for you to take Lemonade Car for a spin (we just hope you don’t get stuck in Nashville traffic.)

If you’re looking to dive deeper into Lemonade car insurance, go ahead and…

  • Learn how location-based technology is changing Lemonade’s coverage game
  • Get the basics and beyond of how much car insurance you need
  • Take a closer look at exactly what makes Lemonade Car different

Happy driving! 

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Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!)
Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.
Lemonade Insurance Agency, LLC (LIA) is acting as the agent of Lemonade Insurance Company and Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance®. Both LIA and LLIA receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.
LLIA is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life insurance policies are issued on North American Company for Life and Health Insurance® policy form LS181 and LS182, or state version including all applicable endorsements and riders. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.