Cheapest SR-22 Car Insurance in Tennessee (2024)

An SR-22 is a certificate of financial responsibility that you may be required to file after a moving violation. Your insurer files the SR-22 form to prove you have the required liability coverage. The form does not directly impact your rates, but violations that require SR-22 filing can increase your premiums significantly.

Tennessee Farm Bureau and State Farm are the top two companies for cheap insurance for SR-22 in Tennessee at an average of $428 and $469 per year, respectively. Both rates reflect state minimum coverage policies.

The two cheapest insurers for non-owner SR-22 insurance in Tennessee are Auto-Owners Insurance Co and State Farm, which charge $295 and $302 per year, respectively.

The cheapest companies for state minimum coverage SR-22 car insurance in Tennessee are:

• Tennessee Farm Bureau: $36 per month, $428 per year
• State Farm: $39 per month, $469 per year

The least expensive providers for full coverage SR-22 insurance in Tennessee are:

• State Farm: $104 per month, $1,252 per year
• Tennessee Farm Bureau: $113 per month, $1,361 per year

After a moving violation, expect to pay more for car insurance as you're now seen as a high-risk driver. Yet, affordable SR-22 car insurance is available. Comparing quotes from various insurers is key to finding the best rates for state minimum coverage and full coverage car insurance.

Securing the cheapest provider in Tennessee can make a big difference in your wallet. It's worth taking the time to shop around and compare rates.

The companies with the cheapest non-owner SR-22 insurance in Tennessee are:

• Auto-Owners Insurance Co: $25 per month, $295 per year
• State Farm: $25 per month, $302 per year

Non-owner car insurance can fulfill the minimum coverage auto insurance requirements for individuals who do not own a vehicle but need to file an SR-22 due to license suspension, revocation, or serious traffic violations.

An SR-22 is not insurance, but a certificate filed by your insurer or yourself with Tennessee's authorities, proving you have the minimum coverage auto insurance. It's often required after serious traffic violations like DUI, driving without insurance or repeat traffic offenses. Tennessee residents must maintain an SR-22 for 3 to 5 years. If your SR-22 is canceled or lapses, your insurance provider must inform the state's Department of Safety.

An SR-22 verifies you carry at least the minimum car insurance requirements, which in Tennessee are:

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

Even without a car, you'll need SR-22 non-owner car insurance. Carrying an insurance card is not enough; an SR-22 is a separate requirement.

If you've faced a DUI, been caught driving without insurance, or committed major traffic violations in Tennessee, you or your insurance company must file an SR-22. This form proves you have at least the state minimum coverage to keep your driver's license. Typically, you'll need to maintain this for 3 to 5 years. A list of specific convictions that trigger the SR-22 requirement is available, ensuring you know when this legal step is necessary.

Filing an SR-22 in Tennessee can lead to higher insurance rates and fewer options for minimum coverage. You might even face policy cancellation mid-term or be denied new coverage. Keeping your insurance active is key because if it lapses, your SR-22 requirement could start over. Residents need to maintain their SR-22 for a typical duration of three years.

Below are ways an SR-22 negatively impacts your car insurance:

The average annual cost of SR-22 car insurance in Tennessee for drivers with a DUI is $2,002 for full coverage and $820 for state minimum coverage. In comparison, drivers with a clean record pay $1,091 for full coverage and $431 for state minimum coverage. Drivers with a DUI face significantly higher premiums than those with a clean record.

The severity of your offense affects your premiums. It's the violations, such as a DUI, that raise your rates, not the SR-22 certificate itself. If you're a repeat offender or have a severe violation, your insurer might not renew your policy or could increase your rates at renewal.

An SR-22 certificate is typically required for 3 to 5 years. During this period, you must maintain the required coverage, which includes minimum liability coverage of 25/50/15. Failure to maintain this coverage can result in further penalties.

Filing an SR-22 in Tennessee is essential for drivers with serious offenses, like DUI. It's a non-negotiable proof of minimum coverage, and failure to file can result in severe penalties.

Here are the steps to secure an SR-22 in Tennessee:

If you're in Tennessee and your SR-22 lapses, expect your driving privileges to be re-suspended. You must have an SR-22 to show you carry the state minimum coverage for 3 to 5 years after certain violations like DUI. Your insurer will tell the state if your SR-22 ends. Visit Tennessee's Safety Department for more info.

Having a DUI on your record can bump up your car insurance costs. For instance, a 30- to 59-year-old driver in Tennessee might pay an annual premium of $425 for car insurance after a DUI with a clean record, while a DUI can raise this to $807. That's a difference between $35 and $67 in monthly payments.

If you're required to file an SR-22 due to a DUI or other major traffic violation, there are ways to to finding affordable SR-22.

Finding affordable SR-22 insurance in Tennessee can be tough. Get answers to your questions about securing low-cost SR-22 car insurance in the state.