According to the Tennessee Department of Safety, failure to show proof of financial responsibility is a Class C misdemeanor. This type of offense comes with a penalty of a fine of not more than $100. Once the state is notified of a conviction for this offense the Department of Safety notes that the violator's driver's license will be suspended.
Also, a stop will be placed against the uninsured vehicle's registration. The driver's license can also be suspended.
As you should be aware. Tennessee state law requires minimum bodily injury liability insurance limits of $25,000 per injured person up to a total of $50,000 per accident, and property damage liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 25/50/15 coverage.
If your license is suspended due to driving without insurance in Tennessee you can be required to file a SR-22. A SR-22 form is proof of future financial responsibility as required under Tennessee Code Annotated 55-12-114. The form must be filed by a state car insurance company, one licensed through the Tennessee Department of Commerce and Insurance to issue motor vehicle liability insurance coverage in Tennessee.
An SR-22 can be required for a total of five years from your date of suspension. If the SR-22 is filed for a total of three years (36 months) within the five year period, the SR-22 may be cancelled provided it is not required on any other suspension. If five years pass from the date of suspension before you reinstate your privileges, then the SR-22 would not be required. If the SR-22 is cancelled before the required time and a new form is not filed, your driving privileges will be suspended.
Compare to other states, Tennessee has fairly lenient penalties for driving without insurance. Instead of operating a vehicle without insurance, compare insurance companies rates and find a policy that you can afford.