Cheap Liability Car Insurance in Tennessee

Qualified drivers searching for cheap liability car insurance in Tennessee can get legal coverage for under $30 a month. These low rates are for safe drivers seeking a state minimum liability only policy in Tennessee. 

While a liability-only police in TN can be really cheap, it doesn’t mean it’s the best coverage for your specific situation. A “bare bones” policy could cause you major financial harm in the event you get into a serious at-fault accident. Also, if you own a vehicle that’s worth more than $9,000, you should most likely get greater coverage, like collision or comprehensive.  

Here are a few unique things about car insurance in Tennessee:

What Exactly Is Liability-Only Car Insurance?

Let’s start with the basics. Liability-only car insurance is designed to cover damages and injuries that you cause to other people and their property in an accident. This type of policy does not pay for your own vehicle’s repairs or replacement. If you rear-end someone or accidentally clip a mailbox, liability coverage steps in to cover their losses, not yours.

It typically includes two key parts:

• Bodily Injury Liability: This pays for medical bills, lost income, and legal expenses if you injure someone in an accident.
• Property Damage Liability: This covers damage you cause to someone else’s car or property, like a fence or building.

Liability-only insurance is the most basic and cost-effective coverage. It’s ideal if you have an older vehicle that isn’t worth repairing or replacing, or if you’re simply trying to meet state requirements while keeping your premiums super low.  

Tennessee’s Minimum Car Insurance Requirements

Every state sets its own minimum coverage standards, and Tennessee is no different. To legally drive a vehicle in the Volunteer State, your car insurance must include:

• $25,000 for bodily injury per person
• $50,000 for total bodily injury per accident
• $25,000 for property damage per accident

This is often referred to as 25/50/25 coverage. These limits are the lowest you can carry to legally operate a vehicle, but they might not be enough in a serious accident. Medical bills and car repairs can quickly exceed those figures, so consider buying higher limits if your budget allows.

Failing to carry at least the minimum liability coverage can lead to fines, a suspended license, and having your vehicle impounded. So even if you go with the cheapest liability insurance in Tennessee, make sure it meets these required limits.

The 5 Cheapest Liability-Only Car Insurance Quotes in Tennessee 

Now let’s get to the good stuff: real liability car insurance quotes in Tennessee. Based on data for a 35-year-old driver with a clean record, here are the five most affordable insurers for liability-only coverage in Tennessee:

1. Westfield – $23/month
2. USAA – $26/month (for military members and their families)
3. Tennessee Farm Bureau – $29/month
4. Erie Insurance – $39/month
5. State Farm – $43/month

These rates reflect minimum coverage and will vary based on location, credit score, age, and driving history. Use these numbers as a starting point when shopping around.

Cheapest Liability-Only Car Insurance Company in TN

Of all the providers listed, Westfield Insurance stands out as the cheapest liability car insurer in Tennessee in 2025. With an average rate of just $23 per month, it’s hard to beat for basic coverage.

While Westfield might not have the brand recognition of State Farm insurance or GEICO, it’s a reputable company known for responsive customer service and solid financial backing. For drivers looking for affordability without sacrificing reliability, Westfield is a compelling option.

Liability Insurance for Teen Drivers in Tennessee

Teen drivers face the highest car insurance premiums of any age group, and it’s no different in Tennessee. Due to inexperience and higher accident rates, insurers see teens as high risk.

But liability-only coverage can still be affordable with a few smart moves:

• Teens should be added to a parent’s policy rather than buying their own.
• Maintaining a “B” average or better can qualify them for good student discounts.
• Some insurers offer telematics apps that reward safe driving behavior.

These prices are far higher than for adult drivers, but can be reduced significantly with discounts and safe habits.

Liability Insurance for Seniors

Many senior drivers enjoy lower insurance rates due to years of experience and generally safer driving habits. In Tennessee, seniors over 65 may pay less for liability-only coverage—unless health concerns or slowed reaction times raise risk levels after age 75.

There are plenty of ways for older drivers to save:

• Taking a state-approved defensive driving course can lower your premium.
• Bundling auto and home policies often brings a sizable discount.
• Retired drivers who drive less can benefit from low-mileage discounts.

Sample senior rates (age 70, clean record):

• Westfield: $31/month
• State Farm: $34/month
• Erie: $35/month

Seniors should also review their coverage annually and ask insurers if any age-specific discounts are available.  

How Your Driving Record Affects Your Liability Rates in TN

Your driving history is one of the biggest factors insurers consider when pricing your policy. Even a single ticket or accident can spike your premiums dramatically.

• A speeding ticket could increase your rate by 15–25%.
• An at-fault accident might drive it up 30–50%.
• A DUI conviction? You could be looking at a 60%+ hike and the need for an SR-22 form.

The cleaner your driving record, the cheaper your insurance. That’s why it’s important to drive defensively, avoid distracted driving, and follow traffic laws at all times.

2 Pro Tips for Getting Cheaper Liability Car Insurance Rates

Pro Tip #1: Shop Annually
Auto insurance rates shift every year. Insurers tweak their pricing models constantly, so the cheapest option today may not be the best next year. Comparing quotes at each renewal can reveal big savings.

Pro Tip #2: Raise Your Deductible
If you still carry comprehensive or collision coverage alongside liability, raising your deductible from $250 to $500 or even $1,000 can significantly lower your monthly premiums. Just make sure you can afford that out-of-pocket amount if you ever file a claim.

6 Ways to Save Even More on Car Insurance in Tennessee

You don’t have to settle for high premiums. Here are some smart strategies to cut costs even further:

1. Bundle Policies: Insuring your car and home with the same company can save you up to 25%.
2. Use Telematics: Safe-driving apps monitor your behavior and reward you with lower rates.
3. Maintain Good Credit: Insurers in Tennessee consider your credit score when pricing policies.
4. Pay-in-Full: Avoid monthly fees by paying for six months or a year upfront.
5. Low Mileage: Drive less than 7,500 miles annually? You could be eligible for a discount.
6. Ask About Discounts: Whether you’re a veteran, student, senior, or safe driver, discounts can stack up.

Even if you already have a low rate, applying multiple discounts can shrink your bill even more.

Comparing Liability vs Full Coverage in Tennessee

Deciding between liability-only and full coverage? Here’s how to weigh your options.

Full coverage includes liability, plus protection for your own vehicle through comprehensive and collision insurance. That means if you crash your car, full coverage helps repair or replace it.

You should consider full coverage if:

• Your car is less than 8 years old
• You have a loan or lease
• You can’t afford to pay for major repairs out of pocket

For older, paid-off vehicles, liability-only is often the better financial move. Just remember, if your car is damaged and you’re at fault, you’re covering the repairs yourself.  

Regional Auto Insurance Price Differences Across Tennessee Cities

Where you live in Tennessee can dramatically impact your insurance rate. Cities with more traffic and higher accident rates generally come with higher premiums.

Here’s a quick look at average monthly liability-only premiums by city:

If you live in a metro area, shop around aggressively. Some companies weigh location more heavily than others.

How to Shop for the Best Liability-Only Car Insurance Quote in TN

Shopping smart can save you hundreds. Here’s how:

1. Gather personal info: driver’s license, vehicle VIN, and mileage.
2. Visit insurer websites or comparison tools to collect multiple quotes.
3. Look at more than price—consider claims service, coverage options, and online reviews.
4. Track your quotes in a spreadsheet to see which companies offer the best value.

Spending an hour comparing policies could save you hundreds over the next year.

The Final Word On Cheap Liability Car Insurance In TN 

Cheap liability car insurance in Tennessee is within reach if you take the time to compare quotes and understand your coverage needs. Providers like Westfield, USAA, and Farm Bureau offer competitive rates, often under $30 a month premiums for qualified drivers, and there are plenty of discounts available for those who know where to look.

Whether you’re a new teen driver, a senior looking to save, or someone just trying to stay on the road legally without breaking the bank, there’s a liability-only policy that fits your budget. Now that you know the cheapest liability-only car insurance companies in Tennessee, it’s time to compare quotes. Get covered for less today and secure quality car insurance in Tennessee from direct providers.