Tennessee Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Tennessee is $25,000 for injury, $50,000 for all injuries, and $15,000 in property damage. Commonly referred to as 25/50/15 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
  • Policy Declaration Page
  • The actual liability insurance policy issued for the vehicle
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage
Failure to provide proof of insurance results in a $100 fine. If convicted of driving without insurance, the driver’s license will be suspended.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

Below is a list of violations and their corresponding point values:


  • 1-5 mph over – 1 point
  • 6-15 mph over – 3 points
  • 16-25 mph over – 4 points
  • 26-35 mph over – 5 points
  • 36-45 mph over – 6 points
  • 46 mph over – 8 points

Additional violations/infractions:

  • Reckless Driving – 6 points
  • Signs and control devices – Failing to obey traffic instructions – 4 points
  • Improper passing – passing where prohibited – 4 points
  • Wrong way, side or direction – 4 points
  • Following improperly – 3 points
  • Failing to yield the right-of-way – 4 points
  • Making improper turn – 4 points
  • Violation of driver license or certificate restrictions – 6 points
  • Reckless endangerment by vehicle, misdemeanor – 8 points
  • Miscellaneous traffic violations failing to maintain control, improper control, etc., or any offense involving the operation of a motor vehicle not herein specified – 3 points
  • Leaving the scene of an accident (property damage only) – 5 points
  • Failure to report an accident (property damage only) – 4 points
  • Failure to yield to emergency vehicles – 6 points
  • Failure to stop at railroad crossing – 6 points
In the state of Tennessee when a driver accumulates 12 points within a 1 year period, their license will be suspended for a period of 6 months up to 1 year. A hearing may be held if requested within thirty days to evaluate the driving record and terms of suspension.


AutoCricket.com is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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