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Tennessee Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Tennessee. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Tennessee.

TN Auto Insurance Laws and Regulations:

Consumer Insurance Services
500 James Robertson Parkway, 4th Floor
Nashville, TN 37243

Minimum Car Insurance Coverage in TN:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$15,000 for damage to property

TN Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


TN Uninsured Penalties:

A conviction for failure to provide evidence of financial responsibility will be a Class C misdemeanor punishable only by a fine of not more than one hundred dollars ($100.00). Also, once the State is notified of a conviction, the violator's drivers license will be suspended.

You can pay your reinstatement fees (typically $20) and reinstate your license online at Tennessee's government website.

Fines and costs for tickets must be paid to the court in the city, or county where issued. If you have a Tennessee driver license and are paying these fees late, then the court may have already notified our department to suspend your driving privileges for failure to pay or appear in court on the violation. In addition to paying the fines and costs, a reinstatement fee may be owed to our department. If you have a driver license issued from another state, and have received a notice of proposed suspension from your state's driver license office, you should contact the licensing authorities in your home state.

Failure to pay fines and costs or failure to appear in court on minor violations issued in Tennessee is automatically sent from the courts to the state issuing the driver license. Our department would not have the information.


TN Department of Insurance Contact Information:

1-615-741-2218 or
Toll Free: 1-800-342-4029

TN State Insurance Department Website:





Directory of Tennessee Auto Insurance Agents by County

Anderson
Bedford
Benton
Bledsoe
Blount
Bradley
Campbell
Cannon
Carroll
Carter
Cheatham
Chester
Claiborne
Clay
Cocke
Coffee
Crockett
Cumberland
Davidson
Decatur
Dekalb
Dickson
Dyer
Fayette
Fentress
Franklin
Gibson
Giles
Grainger
Greene
Grundy
Hamblen
Hamilton
Hancock
Hardeman
Hardin
Hawkins
Haywood
Henderson
Henry
Hickman
Houston
Humphreys
Jackson
Jefferson
Johnson
Knox
Lake
Lauderdale
Lawrence
Lewis
Lincoln
Loudon
Macon
Madison
Marion
Marshall
Maury
Mcminn
Mcnairy
Monroe
Montgomery
Moore
Morgan
Obion
Overton
Perry
Pickett
Polk
Putnam
Rhea
Roane
Robertson
Rutherford
Scott
Sequatchie
Sevier
Shelby
Smith
Stewart
Sullivan
Sumner
Tipton
Trousdale
Unicoi
Union
Van Buren
Warren
Washington
Wayne
Weakley
White
Williamson
Wilson

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