SR-22 Insurance in Tennessee

Find Cheap SR-22 Auto Insurance Quotes

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In Tennessee, drivers who have been convicted of certain serious violations such as a DUI or driving without insurance may be required to get SR-22 insurance. You can secure SR-22 insurance by requesting it from your insurer or starting a policy with a new insurer. Your insurer will submit the SR-22 certificates to the Tennessee Department of Safety (DOS) and prove you have auto insurance that can cover another driver's injuries or damages if you're at fault in an accident.

The SR-22 certificate isn't expensive, but insurance companies tend to charge much more for a driver who requires an SR-22, as it indicates you're risky to insure.

Which companies offer the cheapest SR-22 rates in Tennessee?

In general, SR-22 insurance in Tennessee is more expensive than standard car insurance policies. Although this increased cost is partly due to the form-filing fee, the main reason is that an increase in car insurance rates is a reflection of your higher risk to insurers.

SR-22 insurance rates in Tennessee vary substantially by insurer. The cheapest option is Progressive, which charges $451 per year on average, while the most expensive option is Nationwide, which costs $2,190 per year on average.

This graph ranks SR-22 insurance quotes for 30-year-olds across varying insurers.
This graph ranks SR-22 insurance quotes for 30-year-olds across varying insurers.

Find Cheap SR-22 Auto Insurance Quotes

Currently insured?
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Below is a table of quotes comparing a 30-year-old man with no SR-22 insurance against a 30-year-old man with a DUI and SR-22 insurance. The drastic difference in rates shows the importance of comparing auto insurance quotes from various insurers that works the best for you.

CompanyAnnual average premiumAnnual average premium with SR-22 and DUIPercent increase
Progressive$376$45119.95%
State Farm$402$67066.67%
USAA$372$801115.32%
Tennessee Farmers$479$83373.90%
Erie$402$986145.27%
Allstate$687$99444.69%
GEICO$492$1,398184.15%
Nationwide$1,116$2,19096.24%

It's important to compare SR-22 rates from multiple insurers because every company evaluates risk factors and drivers in different ways, so you must get several quotes to find the cheapest and most comprehensive option.

We also recommend you ask your current insurer if they offer discounts. Drivers can often find ways to save on Tennessee car insurance, depending on the vehicle you drive or steps you've taken to become a safer driver.

What is an SR-22 in Tennessee?

An SR-22 is a document issued directly from your insurance company to the state of Tennessee. The SR-22 certifies you have the state-required liability car insurance from that company, and the company is financially responsible in case of an accident in which you're at fault, up to your policy coverage limits. As such, it's sometimes also referred to as a certificate of future financial responsibility.

SR-22 forms are required for Tennessee drivers who have been designated as high-risk, typically after their licenses have been suspended after a conviction. In order to get your license reinstated, you'll need to show evidence that you've purchased SR-22 insurance that meets the state's minimum requirements.

The most common reasons for a driver's license to be suspended in Tennessee are: a DUI, driving without insurance, or being convicted of multiple smaller infractions, such as speeding tickets, over a short period of time.

Non-owner SR-22 insurance in Tennessee

You may need to file for an SR-22 in order to reinstate your driving privileges in Tennessee even if you don't own a vehicle or have one registered to you. This could happen if you get a DUI while driving a car that belonged to someone else, or you sold your car while your license was suspended. In order to legally drive a car while you're required to have an SR-22, you can buy a policy called nonowner SR-22 insurance. Quotes for nonowner SR-22 insurance coverage are often cheaper than purchasing a normal SR-22 policy, since it only protects you—the driver—and does not cover the car you are driving.

How do I get SR-22 insurance in Tennessee?

SR-22 forms are issued directly from your insurance company to the Tennessee DOS. You won't need to fill out the form yourself; simply notify your insurance company that you need one.

Most major car insurance companies in Tennessee offer SR-22 insurance policies. However, your insurance company may cancel your policy once your license is suspended, and it may not offer to reinstate your coverage now that you're considered a high-risk driver.

Even if your current insurer didn't cancel your policy when your license was suspended, you should be especially thorough and shop around to find the cheapest SR-22 insurance. You may find the best quote at an insurer that specializes in SR-22 policies, like Acceptance Auto Insurance, as opposed to a mainstream insurance company that also offers SR-22 coverage, like GEICO or Progressive.

No matter which insurer you choose, you are highly likely to pay more for auto insurance if you require an SR-22. We found that drivers in Tennessee pay 93% more for car insurance after getting a DUI, one of the most common reasons to need SR-22 insurance.

If you need an SR-22, you are held to the same insurance minimums as all other Tennessee drivers: $25,000 of bodily injury (BI) liability coverage per person, $50,000 of BI liability coverage per accident, and $15,000 in personal property liability coverage. However, we recommend drivers carry more than the minimum amount of coverage, especially if they are at a higher risk of an accident.

You must wait until the Tennessee DOS has received your SR-22 before you can apply to have your license reinstated and you can drive again. You can check the status of your SR-22, as well as your license reinstatement, at the Tennessee DOS website.

When can I remove my SR-22 in Tennessee?

SR-22 forms are required in Tennessee for up to five years after your license is suspended. However, if you have an SR-22 for a continuous three-year period, you can ask to have the SR-22 requirement removed. At this point, your insurance rates may decrease, although likely not to the same amount you were paying before your conviction.

Don't let your SR-22 insurance lapse. If your policy is canceled or lapses, your insurance company will notify the Tennessee DOS, your license will be suspended again and you will have to start the SR-22 process over.

Alternatively, you can choose to simply wait out Tennessee's five-year SR-22 requirement period by not reinstating your license, although you would not be able to legally drive a car during that time.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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