Home of "The Music City," Tennesse is known as the country music capital of the world. The Grand Ole Opry is the longest running live radio program in the world.
Tennessee: cheapest car insurance
Requirement : Yes
Car insurance is required in Tennessee . Drivers must have a minimum of liability coverage.
Minimum Coverage Car Insurance Requirements:
A minimum liability coverage is required:
Other Car Insurance Coverage Options:
Liability coverage is the only requirements for Tennessee motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of insurance and registration with your vehicle at all times. You don’t need proof of insurance to register your car or obtain a driver’s license.
Valid forms of proof of financial responsibility include:
Violations, Fines & Penalties:
A SR-22 may be required after a suspension in order to get your driver’s license reinstated. An SR-22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.
Credit Scores & Determining Your Insurance Premium :
All Tennessee drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Tennessee Automobile Insurance Plan (TAIP)
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Tennessee:
There is no ban on cellphone use while driving except drivers with learner’s permits or intermediate licenses are prohibited from cellphone use. All drivers are prohibited from texting while driving. Texting violations are considered primary offenses. Violators face up to a $50 fine, and court costs not to exceed $10. Novice drivers, however, are subjected to up to a $100 fine, and ineligibility to apply for an intermediate or unrestricted license for an extra 90 days.