Auto Insurance In Tennessee: Knowing More
Tennessee is home to some of the most widely visited attractions in the United States. In fact, Great Smoky Mountains National Park in eastern Tennessee is America's most visited national park, but there are plenty more amazing places to visit in Tennessee. Hop in the car for a visit to Dollywood in Pigeon Forge or the Tennessee Aquarium in Chattanooga. Or if music is your passion, check out Graceland in Memphis or the Country Music Hall of Fame and the Ryman Auditorium (home of the Grand Ole Opry) in Nashville. But no matter where you live or travel in the Volunteer State, you’ll need the proper car insurance. Luckily for you, it’s quick and easy to get a Tennessee car insurance quote from GEICO.
Required Tennessee Auto Insurance Coverage
Tennessee drivers must carry the following required minimum car insurance coverages and limits:
Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $15,000 per accident
Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident*
Uninsured Motorist Property Damage: $15,000 per accident*
*Uninsured Motorist coverages can be rejected in writing.
Tennessee Graduated Licensing Program For Teen Drivers
There are three phases of the Tennessee Graduated Licensing Program: the Learner's Permit, the Intermediate Restricted License, and the Intermediate Unrestricted License.
The minimum age to apply for a Learner's Permit in Tennessee is 15. Applicants under 18 must bring a parent or guardian to sign an affidavit and a financial responsibility form. The applicant must also show proof of school attendance/progress and pass both the written and vision tests. Permit holders may only drive while accompanied by a licensed driver age 21 or older in the front seat. They may not drive between the hours of 10 p.m. and 6 a.m., and they must hold the permit for at least 180 days before being eligible for an Intermediate Restricted License.
The minimum age to apply for an Intermediate Restricted License is 16. Applicants must pass a road skills test and submit a form certifying they have at least 50 hours of driving experience, including at least 10 hours of nighttime driving. This form must be signed by a parent, guardian, or licensed instructor. Holders of an Intermediate Restricted License are not allowed to drive between the hours of 11:00 p.m. and 6:00 a.m. and are only allowed one passenger.
To be eligible for an Intermediate Unrestricted License, the applicant must be 17 years old and must have held an Intermediate Restricted License for at least one year. Like its name implies, the Unrestricted License imposes none of the above restrictions on the licensee, but it will state "Intermediate" to show that the holder is still under 18.
Drivers may be eligible for a Class D regular driver’s license when they reach age 18, or when they graduate high school or receive a GED, whichever happens sooner. This license will no longer state “Intermediate,” but it will indicate if the driver is under 21.
To Our Tennessee Policyholders - Payment Extension Option
If you are unable to pay your premium because of the recent catastrophic weather events, you may request an extension of time to pay your premium, up to 60 days from the date of loss.
The extension is not automatic – you must contact GEICO and explain your situation. To request an extension, call the Customer Service Center at 1-800-841-3000, or contact us by logging into your policy and selecting the "Contact Us" link located in the Resource Center.