Drivers in Tennessee are not required by law to have liability insurance in order to register a vehicle or obtain a drivers license; however, all drivers are subject to the state's Financial Responsibility Law.
Financial Responsibility Law is from 1977 and requires a driver to provide evidence of complying with the law by either documentation of an insurance card, binder or declaration page of a policy from an insurance company that is authorized to do business in Tennessee.
If the driver does not show proof of insurance, they can show a certificate from the Department of Safety stating that a cash deposit or bond has been posted in the amount required of them. Or the driver must show evidence that they are qualified as a self-insurer.
Most people comply with the Financial Responsibility Law of 1977 by purchasing an insurance policy with the minimum liability limits of 25/50/10, which were set by the state.
You can get more information about this state's Financial Responsibility Law by contacting the Tennessee Department of Safety or their Department of Insurance. If you are in need of Tennessee auto insurance, you can get an affordable car insurance quote starting now.