Tennessee
25/50/25
$25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage.
Auto insurance
Car insurance in Tennessee, quoted by people you can call.
We compare auto rates from several carriers for drivers in Claiborne County, the rest of East Tennessee, and across the Kentucky and Virginia lines. You get one conversation and more than one price.
One quote request, several carriers.
A captive agent can only show you one company's price. As an independent agency, we send your drivers, vehicles, and history to the carriers we represent and lay the results side by side.
The cheapest policy on paper often carries state-minimum limits that a single serious crash can exhaust. We show you the price at the minimum and at limits that protect your savings and your home, so you choose with both numbers in front of you.
State minimums
What the law requires where you drive.
We write auto policies in all three states. The legal minimum is a floor, and most households we work with carry more.
Kentucky
25/50/25+ PIP
The same liability limits plus $10,000 of personal injury protection, which you can reject in writing.
Virginia
50/100/25
Raised on January 1, 2025, with uninsured and underinsured motorist coverage at matching limits.
Limits shown as bodily injury per person / per accident / property damage. Confirm current requirements with your state before you rely on them.
Coverage
The coverages on your policy.
A quote request does not bind, change, or cancel coverage. Campbell Insurance will confirm details in writing before any coverage action is taken.
Liability
Liability pays for injuries and damage you cause to other people. Tennessee's minimum stops at $25,000 per person, and hospital bills from one bad crash can pass that.
- Bodily injury per person
- Bodily injury per accident
- Property damage
- Combined single limit options
Comprehensive and collision
Collision repairs your car after a crash. Comprehensive covers deer strikes, hail, falling limbs, theft, and fire. Most lenders require both on financed and leased vehicles.
- Deer and animal strikes
- Hail and storm damage
- Theft and vandalism
- Deductible choices
Uninsured and underinsured motorist
This coverage pays you when the other driver has no insurance or too little. We review it on every quote because it protects your own household.
- Uninsured motorist bodily injury
- Underinsured motorist
- Uninsured property damage
- Limit choices
Drivers and household changes
Adding a teen driver, buying a truck, or moving across a state line changes your price. Tell us what changed and we re-shop the whole household.
- Teen and new drivers
- Added or sold vehicles
- Moves between TN, KY, and VA
- Claims and ticket history
Carriers
Some of the carriers we compare.
Carrier availability varies by applicant, location, coverage, underwriting, and market conditions.
Questions
Common questions.
What is the minimum car insurance in Tennessee?
Tennessee requires 25/50/25: $25,000 for one person's injuries, $50,000 for all injuries in one accident, and $25,000 for property damage. The property damage minimum rose from $15,000 to $25,000 in 2023.
How do I find cheap car insurance in Tennessee?
Compare more than one carrier, ask for every discount you qualify for, and set deductibles you could pay tomorrow. We run the comparison for you and show you which savings come from cutting coverage and which come from a better carrier fit.
Do you quote drivers in Kentucky and Virginia?
Yes. We write auto policies in Kentucky and Virginia as well as Tennessee. Kentucky adds personal injury protection to its minimums, and Virginia raised its minimum limits to 50/100/25 in 2025.
Will a quote change my current policy?
No. A quote request does not bind, change, or cancel coverage. Campbell Insurance confirms details in writing before any coverage action.
Ready to compare?
Tell us what you need to protect.
Start your quote online, or request follow-up from our team by phone or email.