Cheap SR-22 Insurance in Tennessee

Drivers in Tennessee who have been convicted of a serious driving violation, such as a DUI, might need to get SR-22 insurance.
Written by Claire Beaney
Edited by R.E. Fulton
background
Drivers in Tennessee who have been convicted of a severe driving offense, such as a DUI, might need to file an
SR-22 insurance
form through their
Tennessee car insurance
provider to continue driving legally.
  • An SR-22 is a certificate that your insurance company files with your state’s DMV guaranteeing that you have purchased minimum coverage insurance.
  • Tennessee SR-22 insurance is most often required for high-risk drivers who have had their driver’s license suspended or revoked.
  • Tennessee drivers with an SR-22 requirement face higher insurance rates and may have trouble finding an insurer.

Finding cheap SR-22 insurance in Tennessee

Comparing
car insurance quotes
from multiple providers is the best way to make sure you find the cheapest SR-22 insurance available for your driving profile. Some of the most popular insurance providers offering affordable SR-22 coverage in Tennessee include:
What to do: Compare free quotes from three to five insurance providers to find the cheapest rate. 
Take a look at the following tables to see actual quotes that
Jerry
, the independent insurance agency and broker app, found for Tennessee drivers who needed an SR-22:

SR-22 insurance quotes for Tennessee drivers with DUIs

CustomerMonthly rateViolationLocationInsurer
Charles, 37
$68
DUI
Cookeville, TNProgressive
Quoted 5/13/24
Amelia, 28
$85
DUI
Chattanooga, TNSafeco
Quoted 5/2/24
Nell, 32
$90
DUI
Seymour, TNNational General
Quoted 5/7/24
Robert, 29
$97
DUI
Chattanooga, TNInfinity
Quoted 5/12/24
Bill, 32
$299
DUI
Clarksville, TNBristol West
Quoted 5/10/24
coverageLast Updated May 13, 2024

SR-22 insurance quotes for Tennessee drivers with license suspensions

CustomerMonthly rateViolationLocationInsurer
Tommy, 25
$359
Suspension
Lebanon, TNProgressive
Quoted 5/8/24
Francis, 28
$68
Suspension
Knoxville, TNAllstate
Quoted 5/3/24
Jared, 48
$66
Suspension
Knoxville, TNSafeco
Quoted 5/14/24
Hester, 24
$234
Suspension
Memphis, TNNational General
Quoted 5/6/24
Jerome, 28
$236
Suspension
Clarksville, TNBristol West
Quoted 5/16/24
coverageLast Updated May 16, 2024

How to file an SR-22 in Tennessee

You can get Tennessee SR-22 insurance by requesting it from your current insurance company or when purchasing a new auto insurance policy with a different provider. Ask your insurance agent to file your SR-22 documents with the Tennessee Department of Safety on your behalf.
Worst case scenario: Most insurance companies operating in the state of Tennessee will provide SR-22 insurance upon request. However, not every provider will insure a driver with an SR-22 requirement, so you may need to
switch insurance providers
to get this coverage.
You will need to maintain your SR-22 insurance policy in Tennessee for three to five years. If there is any gap in your coverage during this time, your SR-22 requirement will reset.

What if I don’t own a car?

If you need an SR-22 to
reinstate a suspended license
, you must have one even if you do not own a car. In this instance, you must obtain
non-owner car insurance
. This is car insurance that covers drivers who drive frequently but do not own their vehicles.
Inquire with your current provider about
non-owner SR-22 insurance in Tennessee
. If they don’t offer it, start contacting local agencies to see who might.
Key Takeaway If your license has been suspended or revoked, you might struggle to find an insurer, and if you cannot find an insurer, you cannot request an SR-22 certificate.

How SR-22 Insurance works in Tennessee

An SR-22 form in Tennessee provides a driver with proof of insurance that meets the state’s minimum liability insurance requirements. The SR-22 form is filed by the driver’s car insurance company, ensuring that the Tennessee DMV will be notified if the driver drops this necessary legal coverage.

Do I need Tennessee SR-22 insurance?

Drivers in Tennessee who have been convicted of a serious driving violation, such as a
DUI/DWI
or
reckless driving
, might be required to get SR-22 coverage to maintain their driving privileges.
SR-22 filing is most common for
high-risk drivers
facing a license suspension or revocation after a serious traffic violation. High-risk drivers need to acquire an SR-22 certificate to fulfill Tennessee’s license reinstatement requirements.
Key Takeaway You might face an SR-22 requirement in Tennessee if you have been convicted of a serious traffic violation, such as driving under the influence or reckless driving.

SR-22 insurance cost in Tennessee

Filing an SR-22 certificate typically involves a small, one-time fee ranging between $15 to $25 in Tennessee. 
However, it will usually be accompanied by an expensive
hike in your insurance premium
, depending on the violations on your driving record.
Even though rates will be higher no matter who you choose, that doesn't mean you have to pay the most. Ask your present insurance company about discounts. Some companies offer discounts for having more than one car insured, having insurance for a long time, and having more than one policy.

How an SR-22 impacts your insurance in Tennessee

Tennessee drivers with SR-22 requirements face the following setbacks:
  • More expensive car insurance: Drivers with an SR-22 requirement will pay higher insurance premiums than a driver who has a clean
    Tennessee driving record
    .
  • Limited insurance provider options: Not all insurance companies will insure drivers who need an SR-22 certificate, so you will be limited in your selection of insurers.
“I recently started looking for insurance. With my past ticket, I got rejected from several companies while others charged me extreme prices. My friend referred me to
Jerry
and their amazing customer service helped me get the lowest insurance rate.” —Christina H.
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