Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Tennessee

Insurance Requirements for Car Registration in Tennessee

All drivers in the state of Tennessee are required to carry liability insurance, or “financial responsibility,” on their vehicles in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for Tennessee drivers are as follow:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $15,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $65,000 to cover bodily injury or death, and property damage liability.

Tennessee Automobile Insurance Plan

Drivers who have multiple accidents or traffic violations in their driving history may find it difficult to obtain traditional insurance through an insurance provider. In the state of Tennessee, all insurance providers are legally allowed to deny coverage to high-risk drivers.

In order to ensure that all the drivers on the roads are maintaining the legally required insurance, Tennessee operates the Tennessee Automobile Insurance Plan, or TAIP. Through this program, a high-risk driver can apply to any car insurance company for coverage, even a company that previously rejected them due to their driving history. Under the program, all insurance providers share the risk that comes with covering a high-risk driver.

Proof of insurance

In the state of Tennessee, all drivers are required to show proof of insurance any time they are involved in a car accident that involves injury, death, or over $400 in property damage; or any time they are pulled over by a police officer for a traffic violation. You do not need to have proof of insurance in order to register a vehicle, or to obtain a driver’s license.

Acceptable forms of proof of insurance include:

  • An insurance ID card from an authorized insurance provider

  • An insurance policy binder

  • The declaration page of an insurance policy

Violation penalties

Driving without insurance in the state of Tennessee is a Class C misdemeanor. If a driver is found guilty of this crime, they face certain penalties that include:

  • Fines

  • Suspended driver’s license

  • The required filing of an SR-22 Proof of Financial Responsibility document. This document is an assurance to the government from your insurance provider that you will carry the minimum liability insurance required for at least five years. The filing can be lifted after three years if no other suspensions are accrued in that time.

  • The inability to renew vehicle registration in the future due to a “STOP” being placed on the vehicle.

A “STOP” is a mark against the vehicle in the Tennessee Department of Revenue system. In order to remove the STOP, you must do these things:

  • Reinstate your driver’s license

  • Show proof of insurance to the Department of Safety

For more information, or to renew your registration online, contact the Tennessee Department of Revenue through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Ask a Mechanic
(100% Free)

Have a car question? Get free advice from our top-rated mechanics.

Ask A Mechanic
Over 10,000 questions answered!

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.


Post a question and get free advice from our certified mechanics.


More related articles

How to Get a Louisiana Driver's Permit
s licensing program. The first step in this program is to obtain...
How to Avoid Back Pain in a Car
If you have back problems, sitting in a car for an extended period of time can be excruciating. Even without back problems, you could experience discomfort and soreness from...
P2422 OBD-II Trouble Code: Evaporative Emissions Control System (EVAP) Vent Valve Stuck Closed
Diagnostic Trouble Code (DTC): P2422 P2422 code definition Evaporative Emissions Control System (EVAP) Vent Valve Stuck Closed Related Trouble Codes: P2441: EVAP Vent Valve Stuck Open EVAP trouble...

Related questions

Q: Do I need gap insurance?

Gap insurance is designed to cover the difference between what is owed on the vehicle (your car loan) and what the insurance company may pay out in the event of an accident or loss. Any example might be a situation...

Q: Advice on buying a car with hail damage

Realize that hail damage is just pieces of ice falling down on the car and denting the heck out of everything. It may look horrible but the actual hail itself doesn't damage the car. So as long as it runs...

Q: Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...