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The game begins in Miami, where undercover police officer Tanner, along with partner Tobias Jones, must infiltrate a crime ring specializing in stolen vehicles. A ruthless woman named Calita runs the Crime Ring, and there is a weapons specialist Lomaz, and Bad Hand. Tanner convinces them to give him a shot to work for them. Once he is accepted by the group, Tanner begins conducting various jobs for them, in pursuit of a total 40 stolen high performance vehicles.

The Outfit end up having a falling out with a local crime lord named "The Gator", which ends up with Tanner shooting him into the sea when Calita sends him and Lomaz to kill The Gator. The Outfit then moves their operations to Nice, France, and Tanner relocates as well. However, Interpol agents (Henri Vauban and Didier Dubois) have their own plans to take down the crime ring and are at odds with Tanner. Tanner decides to work the job his own way, which, in several cases, leads him into direct conflict with the Interpol agents.

In Istanbul, Turkey, Tanner is now working as a rogue agent. However, Tanner and Jones are able to find a number of contacts who lead them to the crime ring and its true leader Jericho (voiced by Mickey Rourke), a former hitman and minor character in Driver 2. Jericho once appeared at a warehouse while Didier Dubois was using a laptop, first stunning Tanner, who drops his gun, then confronts Tanner and shoots Dubois. A cutsecene later shows Dubois's partner Vauban tell Tanner "Dubois is in a body bag and the bullets are yours." Tanner then walks away and that ended his cooperation with the police force, forcing Tanner to escape to the nearest warehouse. A cutscene earlier in the game showed that Jericho had turned on his boss Solomon Caine and assassinated him in a hotel elevator, probably in retaliation for forming an alliance with his rival Vasquez at the end of Driver 2. Once it is evident that Tanner has found a way to stop the gang from selling the stolen vehicles, he is brought back onto the force and aids in stopping the sale. Following a car chase between Jericho's Crew and the Turkish Police, Tanner faces crime lord Jericho in a final showdown. After the long lasting chase between Tanner and Jericho. Tanner, who gains the upper hand, single handedly takes down Jericho. However, just as Tanner is about to finish him off, he walks away. Tanner, not realizing that he is caught off-guard, is surprisingly crashed by Jericho, who he tells Tanner that he has made a "mistake," before leaving both men critically injured and the ending of the game shows one of them flatlining. In the mobile phone game, Driver: Vegas, it is revealed that both men survived, and Tanner seeks revenge on Jericho.

Besides that, there is a reference to Tanner's survival in the following game. On a wall of TK's apartment in 2006, the player can notice graffiti that reads "Tanner Lives." Tanner may also have joined the NYPD Police Force in 2006 (Parallel Lines) as there is a photo of Tanner in one of the offices in the mission Bear Cage.