Tennessee Auto Insurance for Drivers 75+
Tennessee requires 25/50/25 liability coverage and is an at-fault state.
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Tennessee at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
None
No age-based renewal rule and no vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Tennessee
Tennessee operates as a tort state, meaning the at-fault driver is financially responsible for accident damages. The state requires proof of financial responsibility through liability insurance or an alternative such as a certificate of deposit.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Tennessee
$139–$161/mo
Typical monthly rate in Tennessee, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+Mature-driver discount
Required by state law
Tenn. Code 56-7-1107 (55+, shall qualify for reduction, no fixed %)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
Can my insurance company non-renew my policy in Tennessee just because I turned 75?
Tennessee law allows carriers to non-renew policies based on age as long as they provide 60 days' written notice before the policy expiration date. Some carriers non-renew all policies at age 75, 78, or 80 regardless of claims history — the notice will state "underwriting guidelines" without specifying age, but this is the underlying reason for most senior non-renewals.
Which Tennessee insurance carriers are most likely to renew policies for drivers over 80?
Regional farm bureaus and member-owned carriers such as Tennessee Farmers Mutual and member co-ops typically maintain more flexible age policies than national carriers, though rates increase with age across all carriers. Drivers over 80 with clean records often find standard market coverage through these regional carriers, while drivers with recent claims or violations move to non-standard carriers or TAIP regardless of age.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Tennessee's 25/50/15 minimum is inadequate for drivers with assets — lawsuits exceeding policy limits attach to retirement accounts and home equity.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Pays medical bills and vehicle damage the at-fault driver cannot cover.
Comprehensive Coverage
Covers theft, vandalism, hail, flood, and animal strikes. Does not count as an at-fault claim, so no impact on future renewability for senior drivers.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection. Maximum financial protection but only cost-effective if vehicle value exceeds three years of premiums plus deductible.