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In the US State of Tennessee, drivers can get penalty points or a demerit point where their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Tennessee State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Tennessee?
Tennesse driver’sr’s license points affect insurance premium costs. Based on our case study, Tennessee’s average car insurance premium is $1,115 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 21%, which will be $1,577 on average. Racing or reckless driving points can grow up to 60% of your insurance premium policy, so these offenses generate an average insurance cost of $1,903 in Tennessee.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for the same fault accident in Tennessee, Nationwide insurance company can increase 10% the insurance policy while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Tennessee?
Drivers in Tennessee start with 0 points on their license and receive 1 point for minor and 8 points for major violations. Your Tennessdriver’sr’s license will be suspended if you accumulate 12 points in 12 months.
How much do 2 points affect insurance in Tennessee?
On average, two penalty points in Tennessee will affect a 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 70%.
How much do 3 points affect insurance in Tennessee?
In Tennessee, on average, 3 penalty points will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 71%.
How much do 4 points affect insurance in Tennessee?
In Tennessee, 4 penalty points will affect an average 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Tennessee?
In Tennessee, five penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 6 points affect insurance in Tennessee?
In Tennessee, six penalty points will affect an average 10% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in Tennessee?
In Tennessee, seven penalty points will affect a 24% premium insurance increase on average. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Tennessee?
In Tennessee, 8 penalty points will affect an average 41% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
The length of a suspension period for any Tennessee license holder
Your Tennessdriver’sr’s license will be suspended if you are found guilty of driving under the influence of alcohol or drugs. The length of the suspension will be between 1 year for a 1st offense, two years for a 2nd offense, 3 to 10 years for a 3rd conviction, and possibly permanently for a 4th conviction.
Offense and driving points record in Tennessee
| Violation | Number of Points Assigned |
| Speeding 1-5 miles per hour over the limit | 1 |
| Speeding 6-15 miles per hour over the limit | 3 |
| Speeding 16-25 miles per hour over the limit | 4 |
| Failing to obey traffic instructions | 4 |
| Failing to yield the right-of-way | 4 |
| Making an improper turn | 4 |
| Failure to report a crash | 4 |
| Speeding 26-35 miles per hour over the limit | 5 |
| Leaving the scene of a crash | 5 |
| Speeding 36-45 miles per hour over the limit | 6 |
| Reckless driving | 6 |
| Violation of license or certificate restrictions | 6 |
| Failure to yield to emergency vehicles | 6 |
| Reckless endangerment by vehicle | 8 |
| Passing a stopped school bus, church, or youth bus taking on or discharging passengers | 8 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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