In Tennessee you're financially responsible for the damage and injury you cause in an automobile accident. Liability protection insures you for these potential expenses, but is NOT compulsory in Tennessee.
Tennessee minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $10,000 for damage you cause to the other party's property. Non mandatory options (plan add ons) include medical payments, blanket umbrella, collision, comprehensive coverage. In Tennessee, 21 percent of all drivers are uninsured, so also consider uninsured (UI) and underinsured motorist (UIM) coverage.
If you are convicted of DUI in Tennessee (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the Tennessee Automobile Insurance Plan. It was created in 1949 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
Proof of insurance or financial responsibility is required if stopped by the police and is to be kept at all times in vehicle, especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. The penalty for driving without insurance in Tennessee is a $100 fine.
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