Tennessee

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State Coverage Requirements

Coverage Type

State Coverage Requirements

Bodily Injury Liability

$25,000 limit per person / $50,000 limit per accident

Property Damage Liability

$15,000 limit

Collision

Not required, but recommended

Comprehensive

Not required, but recommended

Medical Expenses

Not required, but recommended

Personal Injury Protection (PIP)

Not required

Uninsured Motorist

Not required, but recommended

Underinsured Motorist

Not required, but recommended

Property Protection (PPI)

Not required

Average rates vs National Average

National AVG.

Tennessee AVG.

source: www.iii.org

Cellphone/Texting

Explained

Hand-Held Cell Phone Ban:

There is no ban.

All Cell Phone Use Ban for Novice Drivers:

Drivers with a Leaner or Intermediate License cannot use a cell phone at all while driving.

Texting Ban:

In Tennessee, text messaging is banned for all drivers.

DUI Laws

Explained

The legal limit for a blood alcohol concentration (BAC):

The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.

Increased penalty for high BAC:

There's an increased penalty for drivers with a BAC of 0.2 or above.

1st offense Suspension:

None in Tennessee.

Ignition Interlocks:

These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Tennessee made the installation of ignition interlocks mandatory for all offenders.

Repeat Offenders:

Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.

Open Container Law:

None in Tennessee.

Graduated Drivers License

Explained

Learner Stage:

(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night.

Intermediate Stage:

Min. Age: 16
Night Driving Restriction: 11pm-6am
Passenger Restriction: No more than 1 passenger

(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 6am and cannot drive with more than one passenger.

Full Privilege Age:

Age: 17

(Full driver's license): At the age of 17, Tennessee drivers can now get a standard driver's license without any restrictions.

Speed Limit

Car

Truck

Rural Interstates:

SPEED LIMIT
70 MPH
SPEED LIMIT
70 MPH

Urban Interstates:

SPEED LIMIT
70 MPH
SPEED LIMIT
70 MPH

Other Limited Access Roads:

SPEED LIMIT
70 MPH
SPEED LIMIT
70 MPH

Page Source: ghsa.org

Tennessee
Department of Insurance

Website: https://www.tn.gov/commerce/insurance-division.html
Address:  500 James Robertson Pkwy., Nashville, Tennessee 37243-0565
Phone:  615-741-2241

Tennessee
DMV Information

Website:  www.tn.gov/revenue/vehicle/
Phone:  888-871-3171 or 615-741-3101
Call Center Hours:
 Monday-Friday, 7 a.m. - 5 p.m. (CT), excluding state holidays.

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