Updated November 30, 2018

Twenty percent of motorists in Tennessee are driving without insurance, and that's against the law. The state ranks number five in the nation for most uninsured drivers, according to a study by the Insurance Research Council. 

Tennessee drivers are required to at least carry liability insurance. Last year the penalties went up for those who don't. You could lose your vehicle registration and be subject to misdemeanor charges, not to mention what happens if you get in a wreck if you aren’t insured, and if someone you hit is seriously injured and requires a hospital stay.

If you get pulled over and don't have insurance, police officers do have the authority to have your car towed.