Tennessee has more than its share of uninsured drivers. A 2011 report from the Insurance Research Council (IRC) estimated that, in 2009, 24 percent of Tennessee drivers were uninsured. That's well above the national average of 13.8 percent, and tied for the third highest amount of uninsured drivers in the U.S.
Uninsured motorist coverage, which is optional in the Volunteer State, offers financial protection against the 1 in 4 drivers who lack insurance.
Failure to provide proof of insurance
If you can't prove you have car insurance, you could be fined up to $100 and your drivers license could be suspended. Keep your insurance ID card in the glove box to avoid these penalties.
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 (NICB) reported that the most stolen cars and trucks in Tennessee in 2012 were:
- 1994 Chevrolet Pickup (full size)
- 1997 Ford Pickup (full size)
- 1996 Honda Accord
- 1998 Chevrolet Pickup (small size)
- 1999 Toyota Camry
- 2001 Dodge Pickup (full size)
- 1998 Honda Civic
- 2008 Chevrolet Impala
- 1997 Ford Explorer
- 1996 Ford Pickup (small size)
Cities where cars are stolen
These cities reported the highest number of stolen cars in 2010:
- Memphis – 4,473
- Nashville – 2,983
- Knoxville – 1,955
- Chattanooga – 1,346
Comprehensive coverage, which is optional unless your loan or finance company requires it, offers financial protection in the event your car's stolen.