Can you drive without insurance in Tennessee?

Tennessee wants all drivers to carry a minimum amount of car insurance. You could face serious consequences driving without it. According to Tennessee state law, you may have to pay fines, surrender your driver's license and registration, or even serve jail time if you're caught driving without insurance.

Is auto insurance mandatory in TN?

Tennessee's Financial Responsibility Law requires you to be financially responsible in the event of an automobile accident. Unless you qualify for an exemption, the easiest way to meet your financial responsibility requirement under state law is to get covered by an auto liability insurance policy.

What happens if you don’t have insurance in TN?

According to Tennessee state law, you may have to pay fines, surrender your driver's license and registration, or even serve jail time if you're caught driving without insurance. Your insurer will also need to file an SR-22 form on your behalf, which could cause your rates to increase.

What kind of car insurance do I need in Tennessee?

  • $25,000 for each injury or death per accident.
  • $50,000 for total injuries or deaths per accident.
  • $15,000 for property damage per accident.

What happens if you don’t have insurance on your car in Tennessee?

Driving without insurance in Tennessee is a Class C misdemeanor punishable by a penalty of $300. The state suspends your license and car registration until you provide proof of insurance or financial responsibility. If the police officer deems it necessary, they can tow your car to the station.

Can you drive around without insurance?

You cannot legally drive in any state without demonstrating financial responsibility for damages or liability in the event of an accident. In most states auto insurance is mandatory as proof of this responsibility.

Is insurance required by law in Tennessee?

Tennessee's Financial Responsibility Law requires you to be financially responsible in the event of an automobile accident. Unless you qualify for an exemption, the easiest way to meet your financial responsibility requirement under state law is to get covered by an auto liability insurance policy.

Is it illegal to not have car insurance in Tennessee?

Tennessee wants all drivers to carry a minimum amount of car insurance. You could face serious consequences driving without it. According to Tennessee state law, you may have to pay fines, surrender your driver's license and registration, or even serve jail time if you're caught driving without insurance.

When did car insurance become mandatory in Tennessee?

In 1977, Tennessee passed a law requiring mandatory proof of liability insurance. Liability insurance is required to cover any damages or injuries you may cause someone as a result of a car wreck. In Tennessee, the mandatory minimum limits for car insurance are: $25,000 for each injury or death per accident.

What happens if you don’t have insurance in TN?

According to Tennessee state law, you may have to pay fines, surrender your driver's license and registration, or even serve jail time if you're caught driving without insurance. Your insurer will also need to file an SR-22 form on your behalf, which could cause your rates to increase.

What happens if you don’t have insurance in TN?

According to Tennessee state law, you may have to pay fines, surrender your driver's license and registration, or even serve jail time if you're caught driving without insurance. Your insurer will also need to file an SR-22 form on your behalf, which could cause your rates to increase.

Is insurance required by law in Tennessee?

Tennessee's Financial Responsibility Law requires you to be financially responsible in the event of an automobile accident. Unless you qualify for an exemption, the easiest way to meet your financial responsibility requirement under state law is to get covered by an auto liability insurance policy.

Does Tennessee require full coverage insurance?

While liability coverage is the only insurance required by the state of Tennessee, a bank or lien holder could require you to carry extra coverage if your vehicle is being financed (usually comprehensive and collision).

What options should you choose for car insurance?

We suggest a policy with high amounts of liability coverage, plus comprehensive and collision coverage. You may also want to add extra coverage like rental car reimbursement and roadside assistance. As you choose from different insurance companies, be sure to find carriers that offer the coverage types you need.

Do I need uninsured motorist coverage in Tennessee?

The state of Tennessee does not require drivers to have coverage for uninsured motorist bodily injury, but it does need to be offered to drivers by your insurance company through any auto insurance quote they provide.

What is the best type of cover for car insurance?

A comprehensive insurance coverage will include all kinds of risk factors that are associated with your vehicle, driver, passengers, third-party vehicle, third-party driver, third-party vehicle passengers and third-party property. The insurance policy will also cover the following risk factors: Weather damage.

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