Tennessee Auto Insurance Requirements

Beene Insurance Agency

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

  • Pulled over by a police officer.
  • Involved in a car accident you are required to report. You must report accidents that involve:
    • Any injuries.
    • Death.
    • Over $1500 in property damages.

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:

  • Your insurance ID card.
  • Insurance binder.
  • Policy declaration page.

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 car insurance or evidence of financial responsibility, you face a Class C misdemeanor, which could include:

  • Fines.
  • Suspension of your driver's license.
  • A STOP on your car, keeping you from renewing your registration.

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

  • Have your driver's license reinstated.
  • If you have had your case dismissed by showing your proof of insurance before your court date, you must also send your proof of insurance to the DOS .

There is no need to risk driving without car insurance. Call or contact us NOW!

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Chattanooga
Tallan Financial Center
200 W MLK Blvd
Ste 1000
Chattanooga,TN 37402

423-877-3816
10AM - 5PM Mon - Fri