Is auto insurance required in Tennessee?
Yes. Tennessee’s financial responsibility law requires drivers to carry auto liability insurance or another approved form of financial responsibility. Tennessee’s minimum liability limits are:
- $25,000 for injury or death to one person
- $50,000 for injury or death to more than one person
- $25,000 for property damage
Tennessee checks insurance electronically through its vehicle insurance verification program, so a lapse in coverage can be flagged even if you’re never pulled over.
What happens if you drive without insurance?
- Tickets and fines: driving without proof of insurance is a misdemeanor in Tennessee and can bring a fine.
- Registration suspension: if the state can’t verify your coverage, your vehicle registration can be suspended, and you’ll pay fees to reinstate it.
- After an accident: if you’re in a crash without insurance, your license and registration can be suspended until you show financial responsibility.
- Personal liability: if you cause an accident, you’re personally responsible for the other people’s medical bills and vehicle damage.
Not having auto insurance can cost you far more than having it!
Review your coverage as life changes
New drivers, a new car, a job change, or a move can affect your coverage and your rate. You don’t have to wait until your policy renews to review it. Contact us for a free quote and a free comparison with your current coverage.
Always talk to an insurance professional with experience insuring drivers in Tennessee to make sure you’re adequately covered and compliant with state law.
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