Tennessee has 7,066,383 residents. We list 100 agencies for atv insurance in Tennessee. Here is what the local numbers say about the cover people here need.

Tennessee at a glance

100atv insurance agencies listed
33.1%of households rentRenters insurance
$286,700median home valueHome insurance
1987median year homes were builtRebuild cost calculator
5.2%of households have no carAuto insurance
8.1%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Tennessee

How many of Tennessee’s 95 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Lightning19 of 95 counties
Very High in Knox County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Tennessee
Strong wind15 of 95 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Tennessee
Ice storm13 of 95 counties
Tornado12 of 95 counties
Very High in Shelby County.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Tennessee
Winter weather7 of 95 counties
Very High in Rutherford County.
Inland flooding4 of 95 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Tennessee

Tennessee requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Tennessee How much liability cover do you need?

Source: tn.gov. Checked 2026-10-24.

Insurance companies Tennessee agencies work with

Of the 100 Tennessee agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Progressive53 agencies
Travelers50 agencies
Liberty Mutual44 agencies
American Modern42 agencies
Liberty Mutual (Safeco)37 agencies
Safeco37 agencies
Foremost33 agencies
Nationwide32 agencies
Markel31 agencies
Chubb28 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

ATV insurance in Tennessee

All insurance agencies in Tennessee · ATV insurance in every state

Where can I find atv insurance in Tennessee?

Pick your city in the list on this page to see every agency there that offers atv insurance, or search by name or ZIP code.

What does atv insurance cover?

Covers quads and off-road vehicles, which auto policies exclude.

Which insurance companies do Tennessee agencies work with?

Among the 100 Tennessee agencies whose appointments we hold, the companies they are most often appointed with are Progressive (53), Travelers (50), Liberty Mutual (44), American Modern (42), Liberty Mutual (Safeco) (37). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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