Cheapest SR-22 Car Insurance in Tennessee

Progressive offers the cheapest SR-22 insurance in Tennessee at $39 monthly for minimum coverage, 46% lower than the state average of $72. State Farm is the most affordable for full coverage at $105.

Auto-Owners offers Tennessee's cheapest non-owner SR-22 insurance at $25 monthly or $295 annually. If you have an SR-22 filing but no car, non-owner insurance helps you meet state minimum coverage requirements. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Tennessee for drivers with an SR-22 is $860 annually for minimum coverage, an 89% increase compared to the $455 paid by drivers with clean records.

For full coverage, SR-22 drivers pay an average of $2,056, while clean-record drivers pay about $1,129, marking an 82% increase for those with an SR-22.

Having an SR-22 form doesn't raise your insurance rate by itself. Instead, the type of violation affects the cost. The table below compares SR-22 insurance prices in Tennessee for common violations across age groups.

An SR-22 is a form proving your insurance meets Tennessee's minimum coverage requirements. It's necessary for drivers with certain violations to get their licenses back. Insurers see these drivers as high-risk, which means higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It’s a certification your insurer files to confirm that you have enough insurance that complies with Tennessee's Financial Responsibility law for reinstating driving privileges.

Drivers must have an SR-22 for three to five years after serious traffic violations. This form confirms you meet Tennessee's minimum coverage requirements. To comply with SR-22 laws, you must carry these liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In Tennessee, SR-22 certificates are usually required for three years. The period can extend to five years depending on the violation.

Along with using an SR-22 for three to five years to comply with Tennessee's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three to five-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Tennessee during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three to five-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tougher than for drivers with clean records, as insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Tennessee might find fewer companies providing coverage, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner car insurance covers drivers who frequently drive but don’t own a vehicle. It protects you when driving someone else’s car and is ideal for frequent car renters or rideshare drivers, covering third-party injuries or property damage in accidents.

These policies are often more affordable than standard insurance. Compare quotes from different insurers to find the best rates. Once you buy a non-owner policy, your insurer can file an SR-22 form to ensure compliance with state law, allowing your license to be reinstated after three to five years.

If you’ve had a serious driving offense in Tennessee, you’ll need an SR-22 to prove you meet state minimum coverage. For major or repeated offenses, you must keep this form for three to five years, depending on the violation. SR-22 insurance costs more, but cheap car insurance providers in Tennessee can help.

Below are frequently asked questions about SR-22 certifications in Tennessee:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Tennessee drivers with various profiles and needs.

Tennessee Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Tennessee's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.