Requirements for Acquiring Auto Insurance

SafeAuto wants to help you get the lowest possible auto insurance rates. Being familiar with your state's financial responsibility requirements is an easy way to start. Here is the most recent information for Tennessee:

The minimum amount of liability insurance coverage required to satisfy Tennessee's Financial Responsibility law is 25,000/50,000/15,000. This means that your insurance policy must insure you against loss in an accident where you have been determined to be at-fault for a minimum of:

  • Twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person in any one (1) accident
  • Fifty thousand dollars ($50,000) because of bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the twenty-five thousand dollar ($25,000) per person limit
  • Fifteen thousand dollars ($15,000) because of injury to or destruction of property of others in an accident

Under Tennessee law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:

  • At the request of a law enforcement officer at the time of an accident or traffic stop
  • When registering a vehicle

Penalty for failure to comply with Tennessee's Financial Responsibility requirements:

Failure to maintain proper insurance could lead to the suspension of your driver's license and a $100 fine. If your driver's license is suspended, there may also be a STOP placed on your vehicle registration until you reinstate your license by showing evidence of Financial Responsibility and meeting all other requirements. If a STOP is in place, you may not be allowed to register or renew your vehicle.

Certificate of Financial Responsibility (SR-22):

An SR-22 is a certification of proof of future Financial Responsibility issued by your insurance company to the Tennessee Department of Safety providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:

  • To reinstate a license suspended after the person fails to pay an accident judgment
  • To reinstate a license suspended after the person fails to maintain proof of Financial Responsibility
  • To reinstate a license suspended for excessive points
  • To reinstate a license suspended for Driving Under the Influence (DUI)

If you are required to maintain a certificate of Financial Responsibility, your insurance company must provide the Department of Safety with at least ten (10) days advance notice before termination. SafeAuto will only issue a Tennessee SR-22 to Tennessee residents.

Link to Tennessee Department of Safety

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at