Insurance Requirements for Car Registration in Tennessee

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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.


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Eladio

8 years of experience
128 reviews
Eladio
8 years of experience
Honda Civic - Brake Pads Replacement (Rear) - Greensboro, North Carolina
Eladio arrived at the scheduled time and was great to work with. He was very professional and I am very satisfied with his work. This was my first time using YourMechanic and I am very pleased with how easy and convenient this service has been from start to finish. Definitely would recommend.
Nissan Altima - Brake Pads Replacement (Front) - Greensboro, North Carolina
Eladio was on time, expedient, and very professional. Very pleased with provided service (brake shoes replacement).

Chris

13 years of experience
107 reviews
Chris
13 years of experience
Hyundai Sonata - Brake Pads Replacement (Front, Rear) - Port Richey, Florida
CHRIS IS THE BEST MECHANIC I HAVE EVER MEET IN MY LIFE. HE IS HONEST AND HE KNOWS HIS STUFF. VERY PROFESSIONAL AND KNOWLEDGEABLE. THANK YOU CHRIS!!!

Pardeep

19 years of experience
587 reviews
Pardeep
19 years of experience
Dodge Caravan - Brake Pads Replacement (Rear) - Fremont, California
Pradeep was early to my appointment and during his work he showed me that I didn’t need rear brake shoes saving me money.He cleaned and serviced the existing shoes and he also adjusted my parking brake cable. Great job. I will always use Your mechanic for any car repairs.

Oreste

12 years of experience
117 reviews
Oreste
12 years of experience
Dodge Avenger - Brake Pads Replacement (Front) - Miami, Florida
Orestes is very professional. He explained what was done to my vehicle and suggested upcoming maintenance needed. Great person

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