Tennessee

Auto Insurance Minimum Requirements

25/50/15

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$15,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2009-01-01

Important Notes

Enforces compliance using the electronic tracking platform, the Tennessee Insurance Verification System (TIVS).

Uninsured / Underinsured Motorist

Must be offered; policyholder can decline in writing via a standard waiver form.

SR-22 Filings

Required for 3 continuous years following specific moving violations or lack of active coverage.

Alternatives to Insurance

A cash deposit or corporate surety bond of $65,000 filed with the Department of Safety.

Official Source

Tennessee Department of Revenue

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.