Asshield™ agents are licensed and appointed to help with personal auto in Tennessee. We are an independent agency — not a captive — so product availability varies by ZIP and carrier, and we shop options that fit your situation.
Our brick-and-mortar offices are in Fort Walton Beach, FL and Lexington, KY — and we proudly serve Tennessee drivers across our 12 licensed states with the same real-agent support: phone, text, and online quote.
Call or text either office to shop personal auto options for your Tennessee ZIP:
- FL Gulf Coast — (850) 684-0164 · Text
- Lexington KY — (859) 368-0162 · Text
What we help with
- Liability, collision & comprehensive
- Multi-vehicle and bundling strategies
- Nonstandard / high-risk markets when needed
- SR-22 guidance where applicable
See auto coverages in Tennessee →
Related guides
Coverages, minimums, teens, and who must be listed — start here:
- Auto coverages explained
- State minimums aren’t a plan
- Young & teen drivers
- Unlisted / undisclosed drivers
Shop auto by state
Asshield is licensed across these 12 states. Pick yours for a dedicated auto page — same dual-office support everywhere we serve:
- FL Florida
- KY Kentucky
- AL Alabama
- TX Texas
- IN Indiana
- OH Ohio
- TN Tennessee
- NC North Carolina
- SC South Carolina
- GA Georgia
- AR Arkansas
- PA Pennsylvania
Educational only — not a quote or coverage guarantee. Product availability varies by ZIP, carrier, and underwriting. Talk with a licensed Asshield agent for options that fit your situation.
Get covered in Tennessee
Start a quote online, or call / text our FL or KY office — licensed Asshield agents help Tennessee drivers every day.
Online quote Contact formFL (850) 684-0164
KY (859) 368-0162
Auto coverages in Tennessee
Tennessee is a liability-focused tort state — no Florida-style mandatory PIP. Shop liability limits thoughtfully, then add MedPay, UM/UIM, and physical damage based on the car and your balance sheet.
Liability (BI / PD)
Tennessee requires bodily-injury and property-damage liability (figures are often cited around 25/50/15 or similar — confirm current minimums, because PD floors have varied in consumer summaries). Liability pays others when you are at fault.
MedPay
Optional medical payments coverage can help with your medical bills after a crash regardless of fault.
UM / UIM
Uninsured and underinsured motorist coverages are generally optional but important where uninsured-driver exposure is high. Match limits to your liability when you can.
UMPD
Tennessee does not typically require a separate named UMPD product statewide. Use collision (and any UM options on your quote) to repair your vehicle after an uninsured driver’s crash.
Collision & comprehensive
Collision helps repair your vehicle after a crash with another car or object (minus your deductible). Comprehensive leans toward non-crash events — theft, hail, vandalism, fire, flooding-type weather losses where covered, or hitting an animal. Lenders usually require both on a financed car; on an older paid-off vehicle, you may choose differently.
Tourist-season tap near downtown Nashville
Rideshare traffic and a short stop bend a bumper. Collision pays to fix your car, minus the deductible.
Hail or a stolen catalytic converter
Storm damage and parts theft are common comprehensive claims — subject to deductible.
Deductibles, rental & roadside
A deductible is what you pay first on collision or comprehensive claims — higher deductibles often lower the premium, but only if you could actually write that check. Rental reimbursement can help pay for a loaner while your car is in the shop after a covered claim; many people assume “full coverage” includes it, and it often does not. Roadside assistance covers convenience tows and jump-starts as a separate add-on.
State minimums — the legal floor
Whatever Tennessee requires to drive legally is a floor, not a financial plan. Minimums change over time; confirm current figures with a licensed agent or official state sources before you buy. Read Asshield™’s guide: state minimums aren’t a plan.
Educational only — not legal advice, not a quote, and not a coverage guarantee. Rules, offers, and product names vary by state, carrier, and underwriting. Talk with a licensed Asshield™ agent about what fits your situation.
Ready for a quote that makes sense?
Compare carriers online or reach an Asshield office for auto in Tennessee. Serving drivers in TN, FL, KY, and our other licensed states.