Lilah Butler, Car Insurance Writer
@lilah_c
Points stay on your license for 2 years in Tennessee. After 2 years, points will fall off your driver’s license and will no longer factor into your insurance rates or count toward a license suspension.
Key Things to Know About Points on Your License in Tennessee
- Accumulating 12 points in 1 year will result in a license suspension in Tennessee. Drivers might also be classified as high-risk to insure and be required to file an SR-22.
- Tennessee's point system is designed to penalize drivers for unsafe behavior, and different moving violations will result in a different number of points. For example, driving 1-5 miles per hour over the speed limit will result in one point, while passing a stopped school bus will result in eight points.
- In Tennessee, even when the points for a violation expire after a certain period of time, the violation itself may remain on your driving record for longer.
Driver’s license points are important because insurance companies check driving records to determine how much risk a driver presents. Customers with more violations on their record will be charged a higher premium since they are considered more likely to file a claim. But it’s important to remember that insurance companies typically have a look-back period of just 3-5 years, meaning past mistakes will only factor into your insurance rates temporarily.
To learn more, check out WalletHub’s guide to points on your driver’s license.
People also ask
How do you check how many points are on your license in Tennessee?
You can check how many points are on your license in Tennessee by going to the Tennessee Department of Safety and Homeland Security website. Checking your license points in Tennessee will cost you $5, since you will need to pay for a copy of your driving record.
Tennessee uses driver’s license points to track violations. Accumulating 12 points in 12 months will result in a suspended license. Insurance companies also check customers’ driving records...
read full answerWhat are car insurance points?
Car insurance points are how insurance companies grade each customer’s risk as a driver. Major auto insurance companies assign points based on certain behaviors by the driver, like filing accident claims or getting a speeding ticket. The points, in turn, help the insurance companies decide how much to charge drivers for a policy. The more points a driver has, the more they are likely to cost the insurance company, and the more they will have...
read full answerWhat is SR-22 insurance in Tennessee?
An SR-22 in Tennessee is a certificate proving that a high-risk driver has the legal requirements for car insurance in Tennessee. So-called SR-22 insurance raises annual car insurance premiums by roughly $50 Tennessee, compared to standard rates. In addition, there’s usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with Tennessee’s licensing agency for 3-5 years, according to Tennessee...
read full answerDid we answer your question?