Whether you're looking to start new coverage or switch to SafeAuto, you'll want to make sure you have the minimum auto insurance coverage that Tennessee law requires. SafeAuto can help you get cheap car insurance rates that meet Tennessee's state minimum requirements. Get a free car insurance quote online today!

Required Coverages

Tennessee's Financial Responsibility law requires you to maintain liability limits of at least:

  • $25,000 because of bodily injury to or death of one (1) person in any one (1) accident
  • $50,000 because of bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit
  • $15,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/15 or 25,000/50,000/15,000

Proof Of Financial Responsibility & Penalties

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.

Looking For Cheap Tennessee Auto Insurance?

You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have. 

SafeAuto offers cheap car insurance throughout the entire state of Tennessee! If you are looking for more information about car insurance in a specific city in Tennessee, additional material can be found below: 

Related Links:

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 CSD@safeauto.com.