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What is SR22
SR22 is a filing your insurer sends to Tennessee to prove financial responsibility on an active policy.
Who needs it
Often required after certain violations, an uninsured crash, or a license issue. Term length comes from your notice.
How we help
We match you with carriers that accept filings, bind coverage, and send the SR22 electronically to the state.
How long do I need SR22 in Tennessee?
Many cases require about three years. For context see our SR22 state guide.
Is SR22 a policy or a form?
It is a filing attached to an auto policy or a non owners policy.
Can I get SR22 without a car?
Yes. A non owners policy carries the filing so you can keep your license valid.
What minimum limits satisfy the filing?
State minimums satisfy the form, but many drivers select higher limits. See auto coverage basics.
What is the filing fee?
Carriers charge a small filing fee. Price mainly reflects your driving record and coverage choices.
How fast can you file?
In many cases we bind and file the same day and send proof to you by email.
Will the state know if I cancel?
Yes. The insurer notifies the state if the policy cancels. A lapse can restart your time.
Do I need FR44 in Tennessee?
Tennessee uses SR22 for most cases. See the state guide for differences.
Can I switch companies during the filing period?
Yes. We time the switch to avoid any gap in the filing and mail fresh ID cards.
Does SR22 require full coverage?
No. Liability meets the filing. Full coverage protects your own car. We quote both options.
How can I lower the cost?
Compare carriers, consider a higher deductible, and ask about telematics. See our auto guide.
Will telematics help with SR22?
Safe driving programs can help some profiles over time.
Can I bundle with home or renters?
Yes. Pair with homeowners or renters for package savings.
Do monthly payments cost more?
Paid in full often costs less. We show both so you choose what fits.
Do tickets fall off over time?
Older violations weigh less. We can requote when milestones pass.
Do you write high risk drivers?
Yes. We place many profiles with national and regional carriers.
Can I add drivers in my household?
Yes. We advise on permissive use and named driver rules.
Will an accident forgiveness feature help?
Some carriers offer it. Terms vary. We compare options line by line.
What if I move to another state?
Tell us before you move. We rewrite coverage and handle the new filing rules. See state guide.
Can I carry an umbrella policy?
Yes for some profiles. Underwriting rules apply. We can review fit and limits.
How do I show proof to a court or employer?
We send ID cards and a copy of the filing. Keep digital and printed copies.
Will I get a letter when the term ends?
The state record updates when the filing requirement ends. We can remind you when that date approaches.
What if I buy a car later?
Call us before you drive. We add the car and keep the filing active.
Can I drive for work while on SR22?
Yes if your policy allows business use. Commercial use may need a separate policy. See business insurance.
Is an ignition interlock included in SR22?
No. That is a separate court or state requirement. We still write the policy and file the form.
Carrier comparisons
See monthly options, paid in full savings, and telematics programs that may reduce costs over time. We list limits and fees line by line.
Service Area
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