TN
Tennessee Vehicle Cost Guide 2026
Tennessee charges 7% state sales tax plus local taxes on vehicles. Annual registration includes a county fee. Tennessee wound down its last county emissions programs (Memphis ended 2022) and requires no periodic inspection; it is not a no-fault state. Minimum liability is 25/50/25.
State Sales Tax
7.00%
Vehicle purchases
Avg. Annual Insurance
$1,800
Full coverage
EV Tax Credit
Varies
State-level
Registration Fee
$27
Annual
DMV / Registration Fees
| Title Transfer | $11 |
| License Plate Fee | $10 |
| Registration (Base) | $27 |
Insurance Requirements
No-Fault State: No
Inspection Required: No
Minimum Coverage:
Bodily Injury: $25,000 per person / $50,000 per accident
Property Damage: $25,000
Uninsured Motorist: $25,000/$50,000
Calculate Your Costs
Use our auto loan calculator with Tennessee tax rates to estimate your total vehicle costs.
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