Travelers provides the cheapest SR-22 insurance in Tennessee at $73 monthly for minimum coverage and $153 for full coverage, about 38% below the state's average rates. Keep in mind these rates reflect costs for 40-year-old drivers with a DUI. Farm Bureau, Farmers, State Farm and Progressive might offer better rates for your specific situation.
Cheapest SR-22 Car Insurance in Tennessee
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers provides the most affordable SR-22 insurance in Tennessee, with premiums averaging $73 per month or $872 per year.
For Tennessee drivers needing SR-22 filing, Tennessee car insurance costs average $111 monthly for minimum coverage and $216 per month for full coverage.
Tennessee requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $15,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Tennessee
| Farm Bureau | $70 | $182 | -31% |
| Travelers | $73 | $153 | -38% |
| Farmers | $99 | $195 | -19% |
| State Farm | $99 | $201 | -18% |
| Progressive | $126 | $214 | -7% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Tennessee by Category
Travelers leads Tennessee's SR-22 market by offering the lowest rates in four out of seven categories, including coverage for most drivers and young drivers. Farm Bureau provides the cheapest rates for senior drivers and those with multiple speeding tickets, while Auto-Owners wins for other violations.
| Most Drivers Needing a SR-22 | Travelers | $73 | $153 |
| Young Drivers With a Suspension | Travelers | $76 | $167 |
| Senior Drivers With a Suspension | Farm Bureau | $67 | $160 |
| Drivers With Multiple Speeding Tickets | Farm Bureau | $53 | $137 |
| Drivers With Racing Violation | Travelers | $71 | $151 |
| Drivers With Hit-And-Run Accident | Travelers | $72 | $152 |
| Drivers With Other Violations | Auto Owners | $58 | $124 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Tennessee
Our research identifies the best overall insurance providers, but your ideal match depends on personal factors. The table below ranks the five most affordable providers based on your age, gender, coverage needs, credit score and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Travelers | $318 | $3,821 | -22% |
| Farmers | $349 | $4,183 | -14% |
| Nationwide | $359 | $4,304 | -12% |
| Allstate | $378 | $4,539 | -7% |
| GEICO | $388 | $4,654 | -5% |
Cheapest SR-22 Car Insurance in Tennessee by City
Travelers offers the most affordable SR-22 car insurance in Tennessee, with rates starting at $57 per month in some cities. Below, you can review its rates for major cities in Tennessee.
| Antioch | Travelers | $75 |
| Burns | Travelers | $66 |
| Chattanooga | Travelers | $64 |
| Clarksville | Travelers | $70 |
| Fayetteville | Farm Bureau | $52 |
| Goodlettsville | Travelers | $73 |
| Hendersonville | Travelers | $74 |
| Hermitage | Travelers | $74 |
| Knoxville | Travelers | $73 |
| Memphis | Travelers | $91 |
| Murfreesboro | Travelers | $69 |
| Pulaski | Travelers | $57 |
| Spring Hill | Farm Bureau | $53 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Tennessee
Travelers stands as the best car insurance provider for SR-22 filing in Tennessee, offering the strongest combination of affordable rates, quality customer service and useful coverage options with the highest overall MoneyGeek score. Consider Farm Bureau, Farmers, Progressive and State Farm in your search as well.
| Travelers | 4.77 | 1 | 3 | 5 |
| Farm Bureau | 4.35 | 2 | 5 | 8 |
| Farmers | 4.23 | 3 | 10 | 1 |
| Progressive | 4.23 | 5 | 4 | 2 |
| State Farm | 4.16 | 4 | 6 | 7 |
Travelers
Best Overall for SR-22 Insurance in Tennessee
5/5Affordability
4.6/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$153For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$73For minimum state coverage for drivers filing an SR-22Best For
Most Drivers Needing a SR-22
How Much Is SR-22 Car Insurance in Tennessee?
Tennessee SR-22 insurance costs $1,335 annually for minimum coverage and $2,592 per year for full coverage policies. Tennessee ranks as the 14th most affordable for minimum coverage and 12th for full coverage insurance. Monthly rates can vary from $66 to $689 based on individual driver profiles.
| Minimum Coverage | $111 | $1,335 | -37% |
| Full Coverage | $216 | $2,592 | -35% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Tennessee City
Our analysis of Tennessee SR-22 insurance shows Pulaski has the lowest average rates at $91 monthly, while Memphis costs the most at $143 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Antioch | $121 | $1,452 |
| Burns | $94 | $1,130 |
| Chattanooga | $109 | $1,310 |
| Clarksville | $107 | $1,281 |
| Fayetteville | $95 | $1,143 |
| Goodlettsville | $113 | $1,361 |
| Hendersonville | $106 | $1,274 |
| Hermitage | $119 | $1,423 |
| Knoxville | $102 | $1,221 |
| Memphis | $143 | $1,714 |
| Murfreesboro | $106 | $1,269 |
| Pulaski | $91 | $1,094 |
| Spring Hill | $99 | $1,188 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Tennessee SR-22 Insurance Requirements
To comply with Tennessee laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $15,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. Depending on the severity of the violation, noncompliance with requirements, or repeated offenses, this period can extend to five years or longer.
TYPES OF SR-22 FILINGS
Tennessee offers an SR-22 Operators-Owner Certificate for drivers needing more comprehensive coverage. This joint filing combines the benefits of traditional and non-owner policies, providing coverage whether you're driving your own car or someone else's vehicle.
Other Tennessee SR-22 Insurance Laws and Regulations
Tennessee drivers must understand various insurance laws and regulations beyond just filing an SR-22 form to meet the state's minimum coverage requirements.
- First offense: requires one year of SR-22 coverage
- Second offense within five years: results in a two-year license suspension with continued SR-22 requirement
- Third offense within five years: leads to a five-year license suspension with ongoing SR-22 requirement
SR-22 Filing and Reinstatement Fees
The SR-22 filing fee ranges from $15 to $25 while license reinstatement fees range from $65 to $300, depending on the violation type. Tennessee offers payment plans for fees exceeding $200.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Tennessee Department of Safety and Homeland Security immediately. Your license will be suspended again until you file a new SR-22 and pay reinstatement fees.
SR-22 Requirement Duration
The standard SR-22 requirement lasts three years, but extends to five years for serious violations involving injuries, death, or major property damage. For non-driving violations:
SR-22 Filing Process
Contact an insurance company licensed in Tennessee to buy a policy meeting state minimum requirements. The insurer files the SR-22 electronically with the Tennessee Department of Safety. Most filings process within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Tennessee does not operate a state-managed high-risk insurance program. Drivers in Tennessee who need SR-22 insurance can find coverage through private insurers that specialize in high-risk policies. If one company denies coverage, drivers should compare quotes from multiple insurance providers.
Cheap SR-22 Insurance in Tennessee: Bottom Line
In Tennessee, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Tennessee: FAQ
Below are frequently asked questions about SR-22 certifications in Tennessee:
What are the cheapest SR-22 car insurance options in Tennessee?
Farm Bureau provides Tennessee's cheapest SR-22 car insurance at $70 per month for minimum coverage. Travelers and State Farm follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Tennessee?
Filing an SR-22 increases car insurance rates in Tennessee by 37% compared to drivers with clean records.
How long do you need to have an SR-22 in Tennessee?
In Tennessee, you must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse restarts the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Tennessee
MoneyGeek analyzed hundreds of thousands of quotes across Tennessee to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Tennessee SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
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
- $15,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.