Is state-minimum coverage a good choice for car insurance in Tennessee?

I live in Tennessee, and I have state-minimum liability insurance of 25/50 for bodily injury. Is this enough coverage?

Apr 22, 2021
Answer provided by
Eric Schad
Answered at Apr 22, 2021
“State-minimum car insurance is never a great idea. Typically, it won’t cover all medical expenses if you’re in a catastrophic accident. That means you would have to foot the bill.
As a rule of thumb, you should get enough liability insurance so you aren’t paying out of pocket after an accident. For most individuals, this is a 50/100 policy, though some get more peace of mind with a 100/300 policy. These numbers refer to:
  • $50,000 or $100,000 for bodily injury liability per person
  • $100,000 or $300,000 for bodily injury liability per accident
While you could get the minimum to save money, you’re putting yourself at risk of financial ruin. For a few extra bucks a month, moving your coverage limits higher is probably a good idea.”
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