Learn about Tennessee SR-22s
If your Tennessee driver’s license has been suspended, you might be required to file an SR-22 before you can get your license back.
An SR-22 is proof of future financial responsibility and shows that you have liability car insurance that meets Tennessee’s minimum requirements.
Here’s a look at how to get and maintain an SR-22 in the Volunteer State.
Why do I have to file an SR-22 in Tennessee?
Tennessee law may require you to file an SR-22 if:
- You’ve been charged with DUI or reckless driving
- You’ve been involved in multiple accidents
- You’ve been issued multiple speeding tickets
What if I don’t have a car or a license?
In most states, you’ll still be required to file an SR-22 to get your license back, even if you don’t own a car. To get behind the wheel in Tennessee, look into non-owner car insurance.
What if I’m from another state?
If you have an SR-22 from another state, you must maintain it while driving in Tennessee. Your SR-22 is likely sufficient in Tennessee, but it’s best to verify coverage with your county Driver Services Center and insurer.
How do I file an SR-22 in Tennessee?
1. Find an insurer. Ask your insurer if it’s authorized to issue SR-22s in the state of Tennessee. If not, find a provider that is.
2. Pay the SR-22 fee. Your insurer will charge you a processing fee to file the SR-22.
3. Verify minimum liability coverage. The minimum limits of liability insurance in Tennessee are 25/50/15. If you’re already insured, make sure your policy includes at least:
$25,000 for injury or death of one person
$50,000 for injury or death of more than one person
$15,000 for property damage
4. Submit your SR-22. In Tennessee, your insurance provider will electronically file the SR-22 on your behalf. Always verify that it’s been sent.
5. Wait for confirmation. You’ll receive a letter from your insurer and the Tennessee Secretary of State that your SR-22 is accepted.
How much does an SR-22 cost?
Once you purchased or renewed an insurance plan, most providers charged a fee of $20 to $50 for filing an SR-22. But it’s not the filing fee that’s expensive when you’re required to file an SR-22 — you’ll see higher premiums than you’re used to.
The impact of an SR-22 on your car insurance rates
SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction, you’re considered a “high risk” driver by Tennessee and most providers — which typically results in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase. Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.
How long does Tennessee require an SR-22 for?
In Tennessee, you may be required to keep an SR-22 on file for up to five years from the date your license was suspended.