Get cheap SR-22 insurance in Tennessee | finder.com

Get cheap SR-22 insurance in Tennessee

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.

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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.

Get back on the road quickly

Enter your ZIP code below and click Compare now
to see the best SR-22 rates in your area.


Your information is secure.

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