Tennessee Auto Insurance
Under Tennessee law, a motorist must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability (BIL) insurance, which helps pay medical or death expenses for the other driver when the
insured is at fault. Each motorist must also purchase at least $15,000 in Property Damage Liability (PDL)
insurance, which helps cover repairs to the other motor vehicle when the insured is responsible for the
accident. Neither BIL or PDL insurance covers the insured’s expenses, whether medical or vehicle-related.
Keep in mind that these are the state minimums, and it is smart to buy additional coverage. If BIL or PDL
insurance is inadequate to cover damages, the insured’s personal assets are at risk in a lawsuit.
Tennessee does not require drivers to purchase uninsured or underinsured motorist coverage, which protects the
insured if they get into an accident with an uninsured or underinsured driver. This coverage can help pay for
accident-related medical expenses, so it is another wise purchase.
While collision and comprehensive insurance are not required by the state if a vehicle is leased or financed the
lender almost certainly requires such coverage.
The Tennessee Department of Revenue (TDR) notes that as of 2017, failure to maintain auto insurance or show
another type of financial responsibility can result in fines and loss of driving privileges. Drivers who do not
want to carry Tennessee auto insurance can opt to either deposit $65,000 in cash or post a $65,000 bond with the
TDR in lieu of buying insurance.
SR-22 Insurance in Tennessee
SR-22 insurance is another form of financial responsibility filed by the driver’s insurance company with the
Tennessee Department of Safety and Homeland Security (TDSHS) . Filing of this form is necessary when a driver
has been convicted of a DUI or other serious motor vehicle offense and wants to restore driving privileges. The
minimum amount of coverage under SR-22 insurance in Tennessee is the same as the minimum for any driver, but
insurance companies charge higher premiums for drivers convicted of certain traffic violations. As per the
TDSHS,the SR-22 can be required for a total of five years from the date of the license suspension. If the SR-22
is filed for a total of three years within the five-year period, the SR-22 may be cancelled provided if it is
not required for any other suspension.
Tennessee Driver Statistics
With a population of approximately 6.7 million, Tennessee ranks 16th in the country in the number of residents.
Roughly 5.3 million Tennesseans have drivers’ licenses. It borders eight other states, so drivers are likely to
notice lots of out-of-state license plates on Tennessee highways. Major industries in the state include
agriculture, chemicals, food processing, lumber, textiles, furniture, and electrical machinery. While much of
the state is rural, the majority of people live in urban areas.
Tennessee’s capital, Nashville, also serves as country music’s capital. Besides Nashville’s sights and Elvis
Presley’s Graceland in Memphis, top tourist attractions in The Volunteer State include Great Smoky Mountains
National Park, Dollywood in Pigeon Forge, President Andrew Jackson’s home The Hermitage and the Oak Ridge
American Museum of Science and Energy.
Tennessee Auto Insurance & Accident Facts
In 2018, 1,047 people were killed in traffic accidents in Tennessee. That was a 2.2 increase over the previous
year. However, the number of people arrested for DUI in 2018 decreased by 6.9 percent compared to 2017, with a
total of 6,973 arrests made.
Of those killed, 42 percent were not wearing seatbelts at the time of their accidents. Besides lack of
seatbelts, major factors resulting in Tennessee traffic fatalities and crashes include speeding and distracted
driving, according to the Tennessee Highway Patrol.