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Tennessee insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Tennessee. Updated Mar 31, 2026.
Department of Insurance
DepartmentTennessee Department of Commerce and Insurance
CommissionerCarter Lawrence
Rate Filing SystemPrior Approval
Regulatory CodeTenn. Code Ann. §§ 56-1-101 to 56-10-101
Overview
Tennessee's insurance regulatory environment is characterized by a prior approval system for rate changes, ensuring that insurers obtain approval from the Department of Commerce and Insurance before implementing new rates. The state emphasizes consumer protection and market stability.
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Health, life, workers comp, commercial lines, compliance penalties, rate filing requirements, and real-time DOI monitoring for all 51 jurisdictions.
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