Tennessee has more than its share of uninsured drivers. A report from the Insurance Research Council estimated that, in 2012, about 20 percent of Tennessee drivers were uninsured. That was well above the national average of 12.6 percent.
Uninsured motorist coverage, which is optional in the Volunteer State, can offer financial protection against the roughly 1 in 5 drivers who lack insurance.
Failure to provide proof of insurance
If you can't prove you have car insurance in Tennessee, you face a Class C misdemeanor which could include repercussions such as a $100 fine, suspension of your drivers license, and the inability to renew your vehicle's registration until you meet certain requirements. Keep a current auto policy and your insurance ID card in the glove box to avoid these penalties.
Better yet, just keep your smartphone handy. Now, state law allows digital proof of insurance in Tennessee, meaning you can pull up your ID cards on your phone if you ever get pulled over.
Plus, Esurance customers in your state can download our easy-to-use mobile app, access proof of auto coverage any time, and even save ID cards to their phones so they're available offline too.
The state may require you to file an SR-22, otherwise known as a certificate of financial responsibility, if you're convicted of driving without car insurance, a DUI, or multiple traffic violations. Depending on the offense, you might have to file this document with the state (through your insurer) for up to 5 years.
Stolen cars in Tennessee
The National Insurance Crime Bureau reported that the most stolen cars and trucks in Tennessee in 2013 were:
- 1994 Chevrolet Pickup (full size)
- 1997 Ford Pickup (full size)
- 1996 Honda Accord
- 1998 Honda Civic
- 1999 Dodge Pickup (full size)
- 1998 Chevrolet Pickup (small size)
- 2006 Chevrolet Impala
- 2013 Toyota Camry
- 1994 GMC Pickup (full size)
- 1998 Jeep Cherokee/Grand Cherokee
Comprehensive coverage, which is optional unless your loan or finance company requires it, offers financial protection in the event your car's stolen.