TDCI’s Auto Insurance 101 page states the minimum limits of liability required in Tennessee are 25/50/25. The same page points drivers to the Tennessee Department of Revenue’s Drive Insured Tennessee materials for more on state minimum requirements, and it links monthly auto rate tables, SERFF Filing Access, CLUE report guidance, and NAIC buying tips.
This article restates those published consumer-education points. It is informational only. It does not promise coverage, price, eligibility, or that the legal minimum is enough for every household.
By All Seasons Insurance Group
What are Tennessee’s minimum auto liability limits?
TDCI prints the minimum as 25/50/25 on its Auto Insurance 101 page. In the shorthand used on that page and across Tennessee consumer materials, that means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. Confirm the exact limits printed on your declarations page.
What does 25/50/25 mean in plain English?
| Figure | Common meaning |
|---|---|
| 25 | $25,000 bodily injury liability per person |
| 50 | $50,000 bodily injury liability per accident |
| 25 | $25,000 property damage liability per accident |
TDCI links the Department of Revenue Drive Insured Tennessee page for additional state-minimum context. Keep that Revenue page and your declarations page in the same folder.
Is the state minimum the same as enough coverage?
No. The legal minimum is the floor TDCI publishes. Assets, newer vehicles, multiple drivers, and uninsured/underinsured motorist questions sit above that floor. A free policy review can line those up without promising that any higher limit is required or adequate for every driver.
Where do Tennesseans look up auto rate filings?
TDCI’s Auto Insurance 101 page links Monthly Auto Policy Rate Changes and SERFF Filing Access for Tennessee. Our live SERFF how-to walks the public lookup. Rate tables are not personal quotes.
What is a CLUE report for auto and homeowners?
TDCI links CLUE (Comprehensive Loss Underwriting Exchange) materials so Tennesseans can learn how to obtain a free copy of their loss-history report. A CLUE report is not a policy and not a premium. It is a loss-history tool carriers and consumers both use.
How do teen drivers fit into Tennessee auto minimums?
State minimum liability still applies when a teen is listed on the policy. Listing the driver and disclosing college garaging are separate TDCI tips from the July 30, 2026 back-to-school release, covered in our live teen auto tip post. Do not confuse a listing question with the 25/50/25 floor.
What should a Tennessee driver do this week?
- Pull the current auto declarations page.
- Confirm the liability limits printed there against TDCI’s 25/50/25 minimum.
- Ask about uninsured/underinsured motorist and whether higher limits belong on the same review.
- If a teen or college garaging change is coming, read TDCI’s back-to-school tip sheet next.
- Bring the declarations page to a free policy review at All Seasons Insurance Group, 865-263-1400.
Does All Seasons promise a particular auto premium or eligibility?
No. This piece restates TDCI’s published minimum and the consumer-education links on Auto Insurance 101. A review is not a coverage, price, or eligibility promise.
Seasons change. So should your coverage.
All Seasons Insurance Group can sit a declarations page next to TDCI’s 25/50/25 floor without promising a premium. Call 865-263-1400 or request a review at https://asigtn.com/get-a-quote/.
This article is informational only. It does not promise coverage, price, eligibility, or that the legal minimum is enough for every household.
Source links
- Tennessee Auto Insurance 101 (TDCI)
- Drive Insured Tennessee — Why You Should Have Insurance (TDCI-linked Revenue page)
- SERFF Filing Access — Tennessee
- NAIC Best Practices for Buying Auto Insurance
- TDCI CLUE consumer resource
- TDCI’s July 30 back-to-school teen auto tips
- How Tennesseans look up insurance rate filings on SERFF
- Get a Quote — All Seasons Insurance Group
