Drivers in Tennessee are required to maintain liability insurance to cover them in the event that they get into an accident. Despite this fact, many people do not carry the required insurance.

Lawmakers in Tennessee have tried over the years to pass legislation to bring uninsured drivers into line. The requirement to maintain proof of auto insurance has been around since 1977, according to LocalMemphis.com. Beginning in 2017, drivers will not be able to renew their license plates if they do not have the proper insurance. Recent laws have also made it possible for law enforcement to tow a person’s car on the spot if he or she is not insured, and the fines for driving while uninsured have been increased to as much as $300.

However, Tennessee remains sixth in the nation when it comes to its percentage of uninsured drivers. Roughly 20 percent ofdrivers in Tennessee have no car insurance, reports CarInsurance.com. That is higher than the overall national average of uninsured drivers, which comes in at approximately 15 percent. That equates to nearly 30 million drivers across the United States who are uninsured. Tennessee also ranks in the top five when it comes to sheer numbers of uninsured drivers. It is estimated that 1.2 million drivers in Tennessee are without insurance.

The reasons people choose to forego insurance are not readily clear, although the inability to afford it likely plays a role for some people. Those people may be in for a rude awakening if they get into an accident and find themselves liable for costs above and beyond what an insurance premium would have cost them.


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