#1 Choice For Auto Insurance in Knoxville TN

Compare Rates From Multiple Companies To Find The Best Deal!


auto insurance knoxville tennessee

Auto Insurance Companies We Represent

IRM represents many different insurance companies for many different types of insurance including home, life, and auto insurance, among many others. In the automobile insurance category alone, we represent many different car insurance providers, such as Auto-Owners, Safeco, Travelers, State Auto, Harford Mutual, Hartford, West Bend Insurance, Progressive, Berkshire Hathaway, Guard, and Grange.

Since we represent numerous companies that offer different types of insurance, we offer the unique capability of being able to find the best price for each specific insurance, depending on your needs.

Minimum Auto Insurance Coverage Required by the State of Tennessee

If you own or drive a car in the state of Tennessee, you will be required to have at the very least, a minimal amount of car insurance coverage. Although it’s tempting to go with lower premiums to save a few dollars each month, sticking with the minimal amount of coverage may not be the best for you -- and adding coverage now can limit extra costs in the future.

Tennessee requires the following types of insurance:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

This can also be stated as a 25/50/15 policy. The first two numbers refer to the maximum amount per person, and per accident, respectively. The last number indicates the maximum your insurance company will pay for property damage.

If for instance, there are only two people injured in the accident and they both needed $25,000 each, the $50,000 maximum would cover all the bills; however, if four people are injured and they need $15,000 each, the insurance will not cover $10,000 of the cost and you will be required to pay out of pocket for the rest. It does not cost much to raise these limits, and the peace of mind from knowing you’re covered can be priceless.

Tennessee does not require PIP (personal injury protection) or uninsured/underinsured motorist protection; however, you can add these to your plan for additional coverage. If you don’t mind taking risks and feel as if you have enough assets in the bank to cover any future accidents, then do not take the extra insurance.

However, if you do not feel safe with the possibility of being sued and do not have a lot of extra money in savings, adding additional coverage may be the right option for you. Remember, saving money now may cost you more money in the future.


Deductibles for auto insurance policies are different than deductibles for health insurance policies. With health insurance, once you hit a certain amount of your deductible, you no longer have to pay a deductible for the rest of the year. This is not the case for auto insurance; if your deductible is $750, you will have to pay this deductible every time an accident occurs.

There are two instances in which you would not have to pay your deductible. The first is when another driver hits you and is at fault. The second instance is if you choose not to have your car fixed. However, if you are financing or leasing the car, the company you are financing or leasing from may require you to have the car repaired.

As you can see, buying auto insurance involves a lot of choices. Our experienced and knowledgeable agents can walk you through your options and help you choose the best coverage for your needs and budget. Contact us today for a car insurance quote.

Socialize With Us!

No More Sitting On The Fence