Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Tennessee, as in most states, drivers are required to carry a minimum amount of auto insurance. This typically includes bodily injury liability coverage and property damage liability coverage. The minimum amounts required by Tennessee law are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident. These are often referred to as 25/50/15 coverage. The cost of auto insurance in Tennessee can be influenced by various factors, including the driver's record. Infractions such as speeding tickets can increase insurance premiums significantly, often by 25-30%. More severe offenses, such as DUI/DWI, street racing, or hit-and-run incidents, can lead to even higher increases, sometimes by 75% or more. Drivers in Tennessee who have received citations or have been involved in traffic violations that could impact their insurance rates may benefit from consulting with an attorney who specializes in traffic law to explore their options and potentially mitigate the consequences on their insurance costs.