SR-22 in Tennessee: What You Need to Know

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
Drivers in Tennessee who have been convicted of a severe driving offense, such as a DUI, might need to get SR-22 insurance.
An SR-22 is a certificate that your insurance company files with the DMV guaranteeing that you have purchased minimum coverage insurance.
If you need help finding an affordable car insurance policy and an insurer that will help you out with an SR-22 certificate, try Jerry. Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app! It takes less than a minute to sign up and you’ll be presented with competitive rates from up to 50 top providers.
Don’t lose coverage, find savings with Jerry.
Here’s what you need to know about SR-22 insurance in Tennessee.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

What is SR-22 insurance in Tennessee?

An SR-22 in Tennessee provides a driver with legal recognition that they carry the state’s minimum amount of liability insurance. Tennessee’s coverage minimums are the following: Property damage liability: $15,000 per accident Bodily injury liability: $25,000 per person / $50,000 per accident

Who needs it?

Drivers in Tennessee who have been convicted of a serious driving violation, such as a DUI, might need to get SR-22 insurance.
SR-22 certificates are required for Tennessee drivers who are high risk. Typically, they might have had their license suspended or revoked after a serious traffic violation. To get their license reinstated, high-risk drivers need to acquire an SR-22 certificate.
Key Takeaway You might need SR-22 insurance in Tennessee if you have been convicted of a serious traffic violation.

How to get it

You can get an SR-22 certificate in Tennessee by requesting it from your insurance company or purchasing a policy with a new insurer. Your insurance company will send your SR-22 documents to the Tennessee Department of Safety.
Most insurance companies operating in Tennessee will provide SR-22 insurance upon request. That being said, you might run into problems finding an insurer if your license has been suspended or revoked. We recommend that you try shopping around for car insurance with the Jerry app, as it is the easiest way to receive quotes from top insurance companies.
You will need to have an SR-22 in Tennessee for three to five years. You’ll need to maintain at least the minimum car insurance coverage required by Tennessee law for that period of time. If there is any gap in your coverage, the clock resets.
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 much does it cost?

The filing fee for an SR-22 certificate is a small, one-time fee, but it will usually be accompanied by an expensive hike in your insurance premium.
The increase in your coverage costs will depend on the violations on your record.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

How an SR-22 impacts your insurance in Tennessee

An SR-22 will impact both your car insurance rates and your choice of insurers.
If you have an SR-22, you will pay higher insurance premiums than a driver who has a clean record.
Also, not all insurance companies will insure drivers who need an SR-22 certificate, so you will be limited in your selection of insurers.

How to find cheap car insurance

If you have any serious offenses on your driving record, you will likely see your car insurance rates go up. But, shopping around will help you find the best and most affordable policy.
If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be. Jerry does all the paperwork for you. You’ll never have to print out anything, go to the post office, or get on the phone. Jerry handles it all. Really!
“Great app! Quick and easy, user-friendly, and makes insurance shopping super easy. Love the feature where we can talk to an agent about any questions we have. Will definitely recommend Jerry.” ー Jerry user
RECOMMENDED
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
avatar
Judith switched to Progressive
icon savingsSaved $725 annually
avatar
Alexander switched to Travelers
icon savingsSaved $834 annually
avatar
Annie switched to Nationwide
icon savingsSaved $668 annually

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free