Buy Cheap Tennessee Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$15,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Tennessee Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers with a Leaner or Intermediate License cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Tennessee, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Tennessee Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.2
There's an increased penalty for drivers with a BAC of 0.2 or above.
1st offense Suspension:
None
None in Tennessee.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Tennessee made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.
Open Container Law:
None
None in Tennessee.
Graduated Drivers License
Buy Cheap Tennessee Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: 11pm-6am
Passenger Restriction: No more than 1 passenger
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 6am and cannot drive with more than one passenger.
Full Privilege Age:
Age: 17
(Full driver's license): At the age of 17, Tennessee drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Urban Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
70 MPH
Page Source: ghsa.org
Buy Cheap Tennessee Auto Insurance in 2024
Department of Insurance
Website: https://www.tn.gov/commerce/insurance-division.html
Address: 500 James Robertson Pkwy., Nashville, Tennessee 37243-0565
Phone: 615-741-2241
Buy Cheap Tennessee Auto Insurance in 2024
DMV Information
Website: www.tn.gov/revenue/vehicle/
Phone: 888-871-3171 or 615-741-3101
Call Center Hours:
Monday-Friday, 7 a.m. - 5 p.m. (CT), excluding state holidays.