Collision in Tennessee

Collision insurance averages about $430 per year nationally. In Tennessee, the overall average car insurance premium is $1,640/yr ($86 below the national average). Actual collision costs vary based on your driving record, vehicle, and insurer.

Collision is not specifically mandated as a standalone requirement in Tennessee, though related coverage may be required. Tennessee requires: 25/50 / 15 liability.

Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders for financed vehicles. Typical limits are $500 or $1,000 deductible. This is a recommended coverage type.

Tennessee uses a at-fault (tort) insurance system. In at-fault states, the at-fault driver's insurance pays for damages. This can influence the importance and cost of collision coverage.

To save on collision in Tennessee: compare quotes from multiple insurers, ask about discounts (safe driver, bundling, low mileage), consider higher deductibles where applicable, and maintain a clean driving record. The cheapest insurer in Tennessee is GEICO, while Allstate tends to be the most expensive.