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Tennessee Teen Auto Insurance

Like many other states, Tennessee has adopted a Graduated Driver Licensing (GDL) system. This is intended to reduce the number of accidents caused inexperienced teenage drivers. The system is designed to gradually introduce inexperienced drivers to more and more driving privileges as they gain behind-the-wheel experience culminating in an official Tennessee driver license.

Tennessee Graduated Driver License Requirements
The GDL is intended for aspiring drivers at least 15 years old. The Tennessee GDL has three steps: Learner’s Permit, Intermediate Restricted License, and Intermediate Unrestricted License.

Learner’s Permit requirements:

  • Must be at least 15 years old
  • Pass a vision and written tests
  • Provide proof of school attendance
  • Provide proof residency, citizenship, and identity
  • Provide Social Security card
  • Teenage affidavit/financial responsibility

Teens under 18 who apply for a permit must have a parent or guardian with them at all times and complete at least 50 hours of behind-the-wheel training.

Intermediate Restricted License requirements:
  • Must be at least 16 years old
  • Must have had learner’s permit for 6 months
  • Provide 50-hour certificate signed by parent or legal guardian
  • Pass road skills and vision tests
  • Provide documents listed above

Once these requirements have been met, the teen can apply for an Intermediate Unrestricted License.

Tennessee Teen Driver Restrictions
  • Learner’s permit holders can only drive when they are accompanied by a licensed driver, 21 years or older, who must be seated in the front passenger seat.
  • Permit holders may not drive between 11 pm and 6 am unless accompanied by parent, legal guardian, or licensed driver, at least 21 years of older.
  • Intermediate Restricted license holders may not have more than passenger, unless at least one passenger is at least 21 years and older
  • Seatbelts must be worn by anyone 17 years and younger; approved restraint devices must be used by children 8 years and younger; this includes Intermediate Unrestricted license holders as well.
  • Violating these conditions could delay licensing from 90 days to 1 year. Serious offenses could result in revocation until the teen turns 18 years old.