Tennessee (TN)

Approved Carriers

Notes about state

• AIG

• Cincinnati

• Encompass

• Openly

• Safeco

• Travelers

• USLI

Minimum Required Tennessee Car Insurance Coverage

Tennessee drivers must carry the following required minimum car insurance coverages and limits:

• Bodily injury liability: $25,000 per person and $50,000 per accident

• Property damage liability: $25,000 per accident

• Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident*

• Uninsured motorist property damage: $25,000 per accident*

*Uninsured motorist coverages can be rejected in writing.

Auto Insurance Compliance in Tennessee

Tennessee, like every other state, has its own set of regulations drivers must follow. It’s important to be aware of these rules to maintain compliance. Some pertinent regulations include:

Proof of Insurance: Tennessee drivers are required to always carry proof of insurance in their vehicle. This proof must be presented during traffic stops, at the scene of an accident, or when registering a vehicle.

Penalties for Non-Compliance: Driving without car insurance in Tennessee is a serious offense. Penalties for failing to maintain proper insurance can include:

• Substantial fines that can increase with repeated offenses

• Driver’s license suspension

• Vehicle registration suspension

Financial Responsibility Law: Beyond just carrying insurance, Tennessee's financial responsibility law requires that any person involved in a crash resulting in bodily injury or property damage must be able to demonstrate financial responsibility to cover potential costs incurred from the accident.

Electronic Verification System: Tennessee uses an electronic insurance verification system that allows the state to verify the insurance status of registered vehicles automatically. If the system cannot confirm that a vehicle has active insurance, the owner may be subject to penalties and the revocation of vehicle registration.