Tennessee Auto Insurance Minimums

 Tennessee’s minimum requirements for motor vehicle liability insurance of $25,000 for bodily injuries for one person injured in an accident, $50,000 for all bodily injuries in one accident, and $10,000 for property damage liability in one accident.

Drivers in Tennessee are not required by law to have liability insurance in order to register a vehicle or obtain a driver license. However, all drivers are subject to the state's Financial Responsibility Law. The purpose of this law is to protect you and the public from financially irresponsible drivers who become involved in a crash, as well as from drivers who have repeated violations and disregard the law. The best way to protect yourself and your driver license if you are involved in a crash or charged with a moving violation is to have adequate Tennessee car insurance that covers death, bodily injury, and property damage.

Evidence needed to comply with the law includes documentation such as an insurance card, binder or declaration page of a policy from an insurance company authorized to do business in Tennessee, stating that a policy of insurance meeting the requirements of the Tennessee Financial Responsibility Law of 1977 has been issued;
or a certificate from the Department of Safety noting that a cash deposit or bond has been posted in the amount required by the Tennessee Financial Responsibility Law of 1977, or that a person has qualified as a self-insurer under Section 55-12-111,
or the motor vehicle being operated at the time of the violation was owned by a carrier subject to the jurisdiction of the Department of Safety or the Interstate Commerce Commission, or was owned by the United States, this state or any political subdivision thereof, and that such motor vehicle was being operated with the owner's consent.

A brief guide to Tennessee's Financial Responsibility Law--

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      Liability insurance provides coverage for damages you cause to other persons.
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      Collision insurance provides coverage for damages sustained to your own vehicle.
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      Uninsured motorist insurance provides for coverage for damages uninsured persons cause you.

Collision insurance is not addressed by the Financial Responsibility Law. However, Car owners should carry liability insurance because driving privileges can be suspended if there is no liability insurance policy in effect at the time of the following:

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      Involved in a crash resulting in injury, death, or property damage in the amount of $50.00 or more.
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      Charged with a moving violation.