Personal auto insurance is essential for protecting yourself, your vehicle, and others on the road from the financial impact of accidents, and that’s especially true for drivers in Knoxville, TN. From heavy rainstorms and slick mountain roads to frequent traffic along I‑40 and I‑75, Knoxville drivers face a range of local risks that make reliable coverage a must.
GEICO is committed to offering affordable, dependable auto insurance tailored to Knoxville residents, with benefits like dedicated customer support, money-saving bundling opportunities, easy policy management through the GEICO App, and trusted nationwide coverage wherever you travel.
The state of Tennessee requires all drivers to carry a minimum level of liability coverage as part of their personal auto insurance. This liability protection is divided into two components—Bodily Injury and Property Damage, each with its own legally mandated minimum coverage limits.
| Coverage Type | Tennessee Minimum Limit |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Liability insurance is a solid starting point for any personal auto insurance policy, as it helps cover the costs of injuries or property damage you may cause to others in an accident. However, it’s important to remember that liability coverage only protects other drivers, not you or your vehicle.
To build a more complete and well-rounded policy, Tennessee drivers should consider adding optional coverages like collision, comprehensive, and uninsured/underinsured motorist protection. These additions help safeguard your interests as well, ensuring that you, your passengers, and others on the road are all covered in the event of the unexpected.
Liability coverage is a fundamental part of auto insurance that helps pay for injuries or damages you cause to others in an accident where you're at fault. It’s split into two key parts: Bodily Injury Liability, which covers medical expenses, lost wages, and legal fees for people injured in the accident, and Property Damage Liability, which pays for repairs or replacement of another person’s property, such as their car or fence.
In Tennessee, liability coverage is the only type of auto insurance required by law because it ensures that other drivers are financially protected if they’re harmed in an accident that wasn’t their fault.
Collision and comprehensive are optional coverages that many drivers add to their auto insurance policy to better protect their own vehicles. These add-ons are where most drivers begin building the part of their plan that prioritizes their own needs.
Collision coverage helps pay for repairs to your car if you're in an accident, regardless of who’s at fault, while comprehensive coverage covers non-collision events like theft, vandalism, or natural disasters. For example, in Knoxville, where severe thunderstorms and fallen tree limbs are common, comprehensive coverage can help pay for repairs if a storm causes a tree to fall on your parked car.
Medical Payments (MedPay) is an optional add-on that focus on protecting you and your passengers by helping cover medical expenses after an accident. MedPay typically covers medical bills, ambulance fees, and funeral costs.
Tennessee is an at-fault state, meaning drivers can pursue the at-fault party for damages—this makes MedPay more commonly chosen by Tennessee drivers.
Uninsured/Underinsured Motorist (UM/UIM) coverage is designed to protect you if you’re involved in an accident with a driver who either has no insurance or doesn’t carry enough to fully cover your damages.
While Tennessee doesn’t require drivers to carry UM/UIM coverage, many other states do, highlighting just how important it is for safeguarding your financial well-being after an accident. With nearly 24% of drivers in Tennessee reportedly uninsured, having this coverage can mean the difference between paying out-of-pocket for medical bills and vehicle repairs or having peace of mind knowing you’re protected against others’ lack of responsibility.
No matter how much coverage you choose to include in your personal auto insurance policy, taking advantage of available discounts is still the smartest way to lower your premium.
GEICO understands this better than anyone, which is why it offers one of the most extensive selections of savings opportunities in the industry. Whether you're bundling your coverage, maintaining a safe driving record, or simply paying your bill online, GEICO makes it easy for drivers in Tennessee to unlock valuable discounts:
Tennessee drivers generally pay less than the national average for personal auto insurance, thanks to relatively favorable factors like moderate traffic congestion, decent road infrastructure, and a cost of living that’s lower than many other states.
That said, what you’ll actually pay depends far more on personal factors, such as the make and model of your vehicle, your driving history, credit score, and the types and limits of coverage you choose. Still, no matter how your personal circumstances are currently affecting your premium, the most effective way to reduce your cost is by exploring all available discounts.
The optional coverages mentioned earlier are just a few of the many add-ons Tennessee drivers can choose from to personalize their auto insurance policies. When you choose GEICO, you’ll also have access to additional coverage options—like rental car reimbursement and emergency roadside service—that can extend your protection even further.
These extras are perfect for policyholders with unique needs or those looking for extra peace of mind on the road:
With GEICO, taking the first step toward securing the right personal auto coverage is simple and hassle-free. Getting your free quote only takes a few minutes and can be done easily either online or by phone. Don’t wait—every moment without the right coverage is a moment when you remain vulnerable to significant financial risk.
Disclaimer:
*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.
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