Tennessee Minimum Car Insurance Requirements
Tennessee requires at least $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. You must carry proof of insurance at all times while driving.
Driving without insurance in Tennessee can result in license suspension, fines up to $500, and vehicle impoundment. Even one uninsured accident can cost you thousands in legal liability.
Can Immigrants Get a License in Tennessee?
Tennessee does NOT currently issue driver licenses to undocumented immigrants without proof of legal residency or work authorization. You will need a Social Security number or ITIN to qualify.
If you have an ITIN from the IRS, you may be able to use it for license application. Check the Tennessee DMV website or call your local office for current requirements, as policies can change.
Best Insurance Options for Immigrants in Tennessee
Many major insurers in Tennessee accept ITIN numbers instead of SSN: State Farm, Allstate, Progressive, GEICO, and some regional carriers. Call ahead to confirm ITIN acceptance before applying.
You can get insured even with a foreign license while waiting for a Tennessee license, though some insurers may charge higher rates. Always get a written quote before committing.
Tips for Immigrant Drivers in Tennessee
Keep insurance documents and ID in your vehicle at all times. If stopped by police, remain calm and provide your documents clearly. Insurance companies are NOT immigration enforcement—buying insurance will not trigger ICE investigation.
Your insurance information is protected under the Gramm-Leach-Bliley Act and is confidential. Never hesitate to file a legitimate claim or report.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Required to drive legally |
| Bodily Injury (per accident) | $50,000 | Required to drive legally |
| Property Damage | $25,000 | Required to drive legally |
| Uninsured Motorist | Not required | Optional coverage |
| PIP/No-Fault | Not required | Tennessee is fault-based state |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Most insurers accept ITIN. Insurance companies do not report to ICE. Get ITIN at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Tennessee does not issue licenses to undocumented immigrants. Check your state DMV for alternatives or consider neighboring states with different rules.
Tennessee requires: 25/50/25 liability (25k bodily injury per person, 50k per accident, 25k property damage). Uninsured motorist coverage is also required.
State Farm, GEICO, Progressive, and Allstate accept ITIN and foreign licenses. Rates vary. Get quotes from multiple companies. Some specialize in high-risk drivers.
Yes, many insurers accept valid foreign licenses with ITIN. You may need an International Driving Permit (IDP). Check with each company first.