Speeding ticket in Tennessee
A speeding ticket in Tennessee has its amount printed on your notice and carries 1–8 points. Insurance typically rises about 27% after one ticket.
FineOn your notice
Points1–8
Insurance over 3 years+$1,711+27% for about 3 years
Traffic school (court-ordered driver education)Yes
Add up my ticket All Tennessee rules
How many points is it?
- Speeding, 1–5 mph over1 pt[3]
- Speeding, 6–15 mph over3 pts[3]
- Speeding, 16–25 mph over4 pts[3]
- Speeding, 26–35 mph over5 pts[3]
- Speeding, 36–45 mph over6 pts[3]
- Speeding 46 mph or more over8 pts[3]
Will a speeding ticket raise your insurance?
Most likely. Insurers treat it as a speeding conviction. In Tennessee one speeding ticket raised a full-coverage premium by about 27% on average[1], or about $1,711 over three years on a typical $2,112 policy[1]. This is an average from ValuePenguin State of Auto Insurance in 2026, not a quote.
How long do you have to respond to a speeding ticket in Tennessee?
- Date on noticePay or respondset by the court[6]
Details
Pay, sign up for traffic school or ask for a hearing by the compliance or court date on your ticket. If you miss it: A default judgment raises what you owe and is reported to the Department of Safety, which can suspend your license.
- Date on noticeLast day to appealset by the court
Details
Appeal a general sessions judgment
Can you keep a speeding ticket off your Tennessee record?
Every way to handle a Tennessee ticket, from paying to contesting →
Speeding tickets in every state →
Got a different ticket in Tennessee?
What else do people ask?
How many points is a speeding ticket in Tennessee?
Speeding, 1–5 mph over: 1 point. Speeding, 6–15 mph over: 3 points. Speeding, 16–25 mph over: 4 points. Speeding, 26–35 mph over: 5 points. Speeding, 36–45 mph over: 6 points. Speeding 46 mph or more over: 8 points.
Will a speeding ticket raise my insurance in Tennessee?
A speeding ticket raised full-coverage premiums about 27% on average in Tennessee (ValuePenguin State of Auto Insurance in 2026).
Sources
Tennessee law and DMV sources (2)
- TDOSHS: Schedule of Points Values, Tennessee Department of Safety and Homeland Security.
- Davidson County Circuit Court Clerk: Traffic Violation Bureau, Davidson County Circuit Court Clerk.
Insurance sources (4)
- State of Auto Insurance in 2026, ValuePenguin (LendingTree).
- Car Insurance Rate Increases with a Speeding Ticket in 2026, ValuePenguin (LendingTree).
- How Does a DUI Affect Your Auto Insurance Rates in 2026?, ValuePenguin (LendingTree).
- How Much Will My Car Insurance Rates Go Up After a Crash in 2026?, ValuePenguin (LendingTree).