Tennessee auto insurance built for you

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When it comes to quality coverage you can afford, Grange offers Tennessee auto insurance tailored to you by an independent agent. Independent agents offer expertise and guidance to keep you in control of your coverage.

Common Tennessee auto insurance questions


Yes, Tennessee began requiring auto insurance in 1977 and it is illegal to drive in the state without it. There are minimum limits of liability insurance required


Tennessee auto insurance laws require these legal minimums: 



Bodily injury

$25,000 per person; $50,000 per incident 

Property damage

$25,000 per incident




No, Tennessee is an at-fault state. This means that if you are injured in an accident and the other party involved is at-fault, you may be able to work with their insurance to cover expenses related to your injuries


If you are in an accident and have questions about how Tennessee’s at-fault status impacts your coverage, your independent insurance agent or claim representative can walk you through your unique situation.


A policy with property damage liability, bodily injury liability, comprehensive and collision coverage is considered “full coverage” in Tennessee. The best way to ensure you have the right policy to protect you on the road is by working with an independent agent. 


Tennessee requires insured drivers be aged 15 years or older. 

Get a quote

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Many ways to save

Save money with a variety of discounts.

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A customized policy made for you

Learn about coverages most important to you.

See all coverages


Read customer reviews

We are committed to using feedback to improve our customer service. Here’s what Tennessee auto insurance customers have to say about Grange Insurance.

Five star rating

John G. 

Grange is phenomenal. Your customer service is great. When I first moved from Pennsylvania to Tennessee, you guys helped me out immensely. Thank you for doing such a good job.

Rockie G.

Grange has great customer service in service of claims and any other needs. Communication is simple and I would recommend them over any other insurance provider.  

Ray M. 

I have had great customer service with this account. When making a claim, I was taken care of in one easy call. The best bang for the buck in insurance.

Jim S. 

I have been a customer of Grange Insurance for almost 40 years. I have my house and automobiles insured through Grange. All claims I have had with Grange were handled professionally and quickly. They are always there ready and willing to assist your needs.

Why independent agents?

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They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent car insurance agents consider your needs and driving habits to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options.

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It's easier to comparison shop

Unlike shopping for car insurance online, working with an independent agent makes it easy to compare auto policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions.

Find an agency

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.