Tennessee Car Insurance Requirements (Updated for 2025)

Tennessee law mandates that all drivers maintain minimum liability insurance coverage. Failure to comply can result in fines, suspension of driving privileges, and other penalties. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.

📋 Minimum Required Coverage

As of 2025, the minimum required liability insurance limits in Tennessee are:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $15,000 per accident
• Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident (optional, but can be rejected in writing)
• Uninsured Motorist Property Damage: $15,000 per accident (optional, but can be rejected in writing)

Note: Tennessee is an at-fault state, meaning the at-fault driver is responsible for damages. Personal Injury Protection (PIP) is not required in Tennessee; however, drivers can opt for Medical Payments (MedPay) coverage, which helps cover medical expenses regardless of fault.

📄 Proof of Insurance

Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. This proof can be a physical card or an electronic version on a mobile device. Tennessee utilizes an electronic insurance verification system to confirm insurance status.

🚫 Penalties for Driving Without Insurance

Penalties for driving without insurance in Tennessee are as follows:

• First Offense: Fine up to $300, license suspension, and vehicle registration suspension with a $65 reinstatement fee.
• Subsequent Offenses: Increased fines, extended suspension periods, and potential jail time.
• Involvement in an Accident: If you are involved in an accident and do not have insurance, your driving privileges may be suspended until damages are paid and proof of insurance is provided.

🔄 SR-22 Requirement

If your driving privileges are suspended due to lack of insurance, you may be required to file an SR-22 form, which is a certificate of financial responsibility. This form must be maintained for the length of the suspension or revocation period. Once the SR-22 has been maintained for the required period, it may be canceled provided it is not required on any other suspension.

💡 Optional Coverages to Consider

While not required, you may consider the following optional coverages to enhance your protection:

• Collision Coverage: Pays for damages to your vehicle resulting from a collision.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
• Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
• Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.

📈 Average Insurance Rates

Insurance premiums can vary based on factors such as driving history, vehicle type, and location. It’s advisable to compare quotes from different insurers to find the best coverage at the most competitive rates.

📌 FAQs

Is Tennessee a no-fault state?

No, Tennessee is an at-fault state, meaning the at-fault driver is responsible for damages.

What is an SR-22 in Tennessee?

An SR-22 is a certificate of financial responsibility filed with the state, often required after certain violations like driving without insurance.

Can I drive without insurance if I pay out-of-pocket for damages?

No, Tennessee requires all drivers to carry minimum liability insurance regardless of ability to pay damages out-of-pocket.