Driving without insurance in Memphis, TN can offer up some serious penalties.
Having no auto insurance at the time you are stopped will result in a $2,300 fine, vehicle towing, and a suspended driver’s license and registration until you can provide proof of insurance. You may need to file SR-22 car insurance in order to get your license reinstated. In addition, you will receive a confirmation notice from Tennessee’s online insurance verification system, with fees increasing the longer you fail to respond to notices.
Fortunately, many cheap auto insurance policies in Memphis offer only the state minimum required coverage of $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability.
Factors Allowed in Memphis Car Insurance Rates
Your insurance company considers many factors in determining your premium, which is specific to you. Some of the items the insurer may consider include: