Auto insurance in Tennessee – you are required to carry liability insurance to cover injuries or damages you may cause to someone after a car accident.  Not in Tennessee, click here.

Auto insurance in Tennessee

Auto Insurance in Tennessee

The required minimum limits of your liability car insurance are:

Optional Car Insurance

If you wish to protect yourself beyond the required auto insurance minimums, you might want to consider purchasing optional types of car insurance.

Most auto insurance in Tennessee offer the following coverage options:

NOTE: If you have a car loan or lease, your lender may require you to have collision and comprehensive coverage.

Proof of Insurance

In Tennessee, you must provide proof of insurance when you are:

You can report a car accident by completing the Owner/Driver Report (Form SF-0395) form and mailing it in to the Tennessee Department of Safety.

Legal proof of insurance includes:

You can obtain any of the above from your Tennessee car insurance provider. Remember to ask for new documents each time you renew your policy.

You do not need proof of insurance to register your car or to obtain your driver’s license.

Insurance Violation Penalties and Fines

If you are caught driving without auto insurance in Tennessee or evidence of financial responsibility, you face a Class C misdemeanor, which could include:

To have a STOP removed from your vehicle registration, you must:

By mail to:

Financial Responsibility Division
Tennessee Department of Safety
P.O. Box 945
Nashville, TN 37202

By fax to: (615) 253-2094.


After any conviction leading to a suspension of your driver’s license, you are required to file an SR-22 proof on insurance with the TN Department of Safety.

Your car insurance carrier must file this on your behalf.

If you have questions about auto insurance in Tennessee call AmeriAgency at 888-851-5572 or click below.