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Home » TN Teen Driver Insurance: A Parent’s Guide
April 15, 2024

TN Teen Driver Insurance: A Parent’s Guide

Confused about TN teen driver insurance? Understanding the state’s requirements is crucial for ensuring your teen’s legal compliance and safety on the road. This guide will break down everything you need to know about TN teen driver insurance, from minimum coverage to additional options and cost-saving tips.

Understanding Your Teen Driver Insurance Requirements in Tennessee

Tennessee law mandates that all drivers, including teens, carry certain minimum levels of TN teen driver insurance. These requirements are designed to protect both the driver and others on the road in case of an accident. Here’s a breakdown of the minimums:

  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $15,000 for property damage per accident

Understanding Liability Coverage for Teen Drivers

Liability insurance covers the costs associated with injuries or damages to other people or property if the teen driver is at fault in an accident. It’s broken down into two main categories:

  • Bodily Injury Liability: Covers medical expenses, lost wages, and other damages resulting from injuries to other people in an accident where the teen driver is at fault.

  • Property Damage Liability: Covers the costs of repairing or replacing another person’s property, such as their vehicle or a fence, if the teen driver is responsible for the damage.

Going Beyond Minimums: Additional Coverage Options for TN Teen Drivers

While meeting the state’s minimums is essential, consider these additional TN teen driver insurance coverages for added protection:

  • Collision Coverage: Pays for damages to the teen driver’s vehicle in case of an accident, regardless of fault.

  • Comprehensive Coverage: Covers damages to the teen driver’s vehicle from non-collision events, such as theft, vandalism, or natural disasters.

  • Uninsured/Underinsured Motorist Coverage: Provides coverage if the teen driver is involved in an accident with a driver who does not have insurance or lacks sufficient coverage.

Complying with Tennessee’s Graduated Driver Licensing (GDL) Program

In addition to insurance requirements, teen drivers must comply with the GDL program. This program has specific stages with restrictions that ease as teen drivers gain experience:

  1. Learner’s Permit: Requires holding a permit for at least 180 days and completing 50 hours of supervised driving before advancing.
  2. Intermediate Restricted License: After meeting permit requirements, teens can apply for this stage with limitations on driving hours and passengers.
  3. Intermediate Unrestricted License: Available at 17 after holding an intermediate restricted license for at least a year with a clean record.
  4. Full Unrestricted License: Available at 18 after holding an intermediate unrestricted license for at least a year.

Saving Money with Discounts

Insurance companies often offer discounts to help reduce the cost of TN teen driver insurance. Some common ones include:

  • Good Student Discount: Offered to teen drivers maintaining a good GPA.
  • Driver Training Discount: Offered to teen drivers who complete a recognized driver education course.
  • Safe Driving Discounts: Available for teen drivers who complete defensive driving courses or have clean driving records.


Meeting Tennessee’s auto insurance requirements for teen drivers is crucial for legal compliance and safety. By understanding minimum coverage, exploring additional options, complying with the GDL program, and taking advantage of discounts, you can navigate this process with confidence. While insuring a teen driver may initially cost more, safe driving habits, the right coverage, and time can help strike a balance between protection and affordability. As teens embark on their driving journey, proper insurance coverage provides peace of mind for everyone. Safe driving to all the teen drivers out there!

Here When You Need Us

Whether you’re looking to update your policy, explore new coverage options, or simply have questions about car insurance, O’Neal & Associates Insurance is here to help! Contact us at 478-788-1104 or request an online quote today!

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Categories: Blog

Tags: Auto insurance requirements, Car insurance for young drivers, Graduated Driver Licensing program, Insurance discounts, Insurance for teens, Liability insurance, O'Neal & Associates Insurance, Teen driver safety, Teen drivers, Tennessee auto insurance

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