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:
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
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.
. 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.
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.
, 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
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.
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