No, you do not need rental car insurance in Tennessee. As is the case in most states, rental car companies in Tennessee provide the minimum state-required liability insurance coverage as a part of their basic contract. Specifically, they provide $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $15,000 in property damage liability coverage per accident.
If you have an existing personal car insurance policy that includes other types of coverage, like collision or comprehensive, or liability limits that are higher than what your state requires, the extra protection will extend to your rental car. But if you don’t have auto insurance coverage of your own, it may be a good idea to purchase additional coverage from the rental company if you’re concerned about having enough protection in an accident.
For example, you can purchase a collision damage waiver, which provides coverage comparable to collision and comprehensive insurance. This type of coverage may even apply automatically if you pay for your rental with the right credit card. You can also purchase supplemental coverage that adds to the existing liability and medical payments limits from your personal policy.
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