Tennessee's minimum car liability insurance requirements are about average. Drivers who have few assets may be adequately insured if they are at-fault in an accident. But homeowners and those with substantial savings should consider higher limits -- $100,000 per person bodily injury ($300,000 per accident) and $50,000 property damage are considered adequate for a typical family.
Uninsured motorist coverage is not required, but Tennessee has one of the highest rates of uninsured drivers in the country, according to the Insurance Research Council. If you are hit by an uninsured motorist, you would have to pay your own hospital bills unless you have health coverage of your own. And you would have to repair your own car unless you have bought collision coverage.
Tennessee's fine for driving without insurance is just $100, but a conviction also brings a driver's license suspension. And you can't renew your registration without proof of insurance.
Buy some walking shoes: Schools must notify the state when students 15 or older drop out, which automatically suspends the teen's driving privileges until age 18.
Got some ID? Tennessee lets drivers who stop driving apply for an identification-only license, useful for boarding planes and voting.