Tennessee Car Insurance and Teen Drivers

Tennessee teens who are learning how to drive go through a system of graduated licensing. The process applies to young people under the age of 18 and includes a learner’s permit stage, as well as an intermediate restricted license and an intermediate unrestricted one.

A teen with a learner’s permit is barred from driving between 10 p.m. and 6 a.m., and a licensed driver must be in the vehicle as well. After six months, the young person can apply for an intermediate restricted driver’s license. They are restricted to having only one other person in the vehicle with them, unless the other occupant is a parent or guardian, or a licensed driver over the age of 21.

Teens with an intermediate restricted driver’s license cannot drive between 11 p.m. and 6 a.m. unless they are going to from work or a school-related function. Young people who are driving to or from a hunting or fishing trip may do so between the hours of 4 a.m. and 6 a.m. if they have a valid hunting or fishing license.

The Tennessee graduated licensing law helps to keep teens safe by restricting their time on the road until they can gain experience behind the wheel. It also helps to keep car insurance costs down by lowering a young driver’s risk of being involved in an accident.