Hey folks,
Tennessee has specific minimum auto insurance requirements, but are they really enough for Nashville drivers? By law, you need at least $25,000 per person/$50,000 per accident for bodily injury and $15,000 for property damage. While that keeps you legal, it doesn’t always cover the full cost of a serious accident, especially with rising medical and repair bills in the city.
Many drivers in Nashville choose higher limits or add collision and comprehensive coverage for better protection. It might cost a bit more, but it can save you from paying out of pocket later.
When I was reviewing Nashville car insurance, I found some insurers that offer affordable upgrades beyond the state minimum, so you’re better protected without overspending.
Do you stick with the bare minimum, or do you carry extra coverage for peace of mind?
It’s always worth looking into Nashville policies that balance legal requirements with real-world protection.