Best SR22 Insurance Providers in Tennessee: Compare Rates and Coverage

If you need SR22 insurance in Tennessee, finding the best provider is key to securing affordable coverage while meeting state requirements. Not all insurance companies offer SR22 filings, but several well-known providers specialize in high-risk insurance policies.

Top SR22 Insurance Companies in Tennessee

At A Plus Insurance, we work with some of the best SR22 insurance providers, including:

• Progressive – Competitive rates for high-risk drivers
• The General – Specialized SR22 coverage with flexible payment plans
• National General – Reliable coverage for drivers with past violations

Who Needs SR22 Insurance?

You may need SR22 insurance in Tennessee if you have:

• A DUI or DWI conviction
• Multiple at-fault accidents or serious traffic violations
• A license suspension or revocation
• Lapsed insurance coverage
• A requirement from the Tennessee DMV to prove financial responsibility

How to Find the Cheapest SR22 Insurance in Tennessee

• Compare multiple providers – Rates vary by company, so getting multiple quotes is essential.
• Maintain continuous coverage – Lapses in insurance can lead to higher premiums.
• Improve your driving record – Keeping a clean driving history can help lower your SR22 rates over time.

Get a Fast & Free SR22 Quote

If your current insurer doesn’t offer SR22 insurance, we can help. Contact us today to compare Tennessee’s cheapest SR22 insurance rates and find a provider that fits your budget.

Below is a comparison table of insurance companies that offer SR22 filings in Tennessee versus those that do not.

SR22 Insurance in Tennessee: Child Support Compliance & License Reinstatement

If your driver’s license was suspended due to unpaid child support in Tennessee, you may be required to file SR22 insurance to regain your driving privileges. SR22 is not an insurance policy, but rather a certificate of financial responsibility proving that you meet Tennessee’s minimum auto insurance requirements.

Why Is SR22 Required for Child Support Violations?

Tennessee enforces strict penalties for unpaid child support, including:

• Driver’s license suspension
• Vehicle registration suspension
• Possible wage garnishment

To reinstate your license, the state may require you to:

1. Catch up on overdue child support payments
2. File an SR22 form with the Tennessee DMV
3. Maintain continuous SR22 coverage for a specified period

Finding Affordable SR22 Insurance in Tennessee

Many insurers offer SR22 coverage for drivers in this situation. At A Plus Insurance, we partner with top SR22 insurance providers in Tennessee, including:

• Progressive – Competitive SR22 rates with flexible payment options
• The General – Specializes in high-risk insurance policies
• Dairyland – Affordable SR22 insurance for drivers with suspended licenses

How to Get Cheap SR22 Insurance for Child Support Compliance

• Compare multiple providers – Rates vary by insurer, so shopping around can save you money.
• Avoid policy lapses – A lapse in coverage can result in additional penalties or license suspension.
• Ask about discounts – Some companies offer discounts for safe driving courses or bundling auto and home insurance.

Get Back on the Road with SR22 Insurance

If you need SR22 insurance in Tennessee due to child support-related license suspension, we can help. Contact us today for a free, fast quote and find the most affordable SR22 coverage to meet your needs.

Each provider understands the unique needs of drivers in your situation and offers competitive rates to help you maintain compliance without straining your finances.

Full-Coverage SR22 Insurance in Tennessee: Understanding Costs & Coverage

If you need SR22 insurance with full coverage in Tennessee, it’s important to understand what factors affect the cost and what coverage is included. Full coverage SR22 insurance generally costs more than a liability-only policy, but it provides greater financial protection in case of an accident or damage to your vehicle.

What Determines the Cost of Full-Coverage SR22 Insurance?

The average cost of full coverage varies based on several factors, including:

• Driving History – Fewer violations mean lower premiums.
• Vehicle Type – Newer or high-value cars cost more to insure.
• Credit Score – A higher credit score can lead to lower rates.
• Location – Urban areas typically have higher insurance costs due to more traffic and higher accident rates.
• SR22 Filing Fee – Most insurers charge a one-time SR22 filing fee, usually between $15 and $50.

What Does Full-Coverage SR22 Insurance Include?

Full coverage is not a single policy but a combination of different coverage types:

• Liability Insurance – Covers damage and injuries you cause to others. Required by law in Tennessee.
• Collision Insurance – Pays for damage to your vehicle if you hit another car or object.
• Comprehensive Insurance – Covers theft, vandalism, weather-related damage, and other non-collision incidents.
• Uninsured/Underinsured Motorist Protection – Helps cover your expenses if you’re hit by a driver with no or insufficient insurance.

Who Needs Full-Coverage SR22 Insurance?

• Drivers with a new or leased vehicle – Lenders often require full coverage.
• Drivers who want financial protection – Covers more than just liability.
• High-risk drivers required to file an SR22 – Ensures compliance with Tennessee’s financial responsibility laws.

Get a Quote for Full-Coverage SR22 Insurance

If you’re required to file SR22 insurance in Tennessee, we can help you compare rates and find the most affordable full-coverage options. Contact us today for a fast and free quote.

Cheap SR22 Insurance in Tennessee: How to Find Affordable Coverage

If you need SR22 insurance in Tennessee, finding affordable rates is possible with the right approach. Many insurance providers offer low-cost SR22 coverage, but prices can vary depending on your driving history, insurer, and coverage level.

Ways to Lower Your SR22 Insurance Costs

You can reduce your SR22 premiums by:

• Comparing Multiple Insurers – Different companies offer different rates.
• Choosing Higher Deductibles – A higher deductible lowers monthly costs.
• Maintaining a Clean Driving Record – Avoid new violations to keep rates low.
• Taking a Defensive Driving Course – Some insurers offer discounts for completing an approved course.
• Paying Your Policy in Full – Many insurers offer discounts for upfront payments.

Get a Free SR22 Insurance Quote

We specialize in helping Tennessee drivers find cheap SR22 insurance options. Contact us today for a free, no-obligation quote and see how much you can save.

SR22 Insurance After a DUI in Tennessee: What You Need to Know

If you’ve been convicted of a DUI in Tennessee, the state requires you to file an SR22 to reinstate your driving privileges. The SR22 is not a separate policy, but a form your insurance company files with the state to prove you carry at least Tennessee’s minimum liability insurance.

How Long Do You Need SR22 Insurance for a DUI in Tennessee?

The Tennessee Department of Safety generally requires drivers with a DUI conviction to maintain an SR22 filing for 3 to 5 years. However, the exact duration depends on your specific case, so it’s best to check with your local DMV for details.

How Much Does SR22 Insurance Cost After a DUI?

• SR22 filing fee: Usually between $15–$50
• Higher insurance premiums: Due to a DUI conviction, rates typically increase
• Monthly liability insurance rates: Can start at $110+ depending on the provider

Steps to Get SR22 Insurance in Tennessee

1. Purchase a liability policy – Ensure it meets Tennessee’s state minimum requirements.
2. Request an SR22 filing – Your insurance provider will submit it to the state.
3. Maintain continuous coverage – Lapses can result in license suspension.
4. Check with the DMV – Confirm when you can remove the SR22 requirement.

Find Affordable SR22 Insurance in Tennessee

Need SR22 insurance after a DUI? We compare rates from top insurance providers to find you the cheapest SR22 insurance while meeting all Tennessee state requirements. Contact us today for a free quote.

Quiz Yourself: What Could a DUI Cost You?

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DUIs are a BAD idea. Even if a horrible accident is avoided...do you really understand what is at stake if you get caught?

Start Quiz

Page 1 of 9

Let's start easy...what does DUI stand for?

A. Driving Uniquely Intoxicated B. Driving Under The influence C. Definitely Unwise Intentions D. Driving Under Impact

Page 2 of 9

If arrested for driving under the influence, you could face 1 of the 3 types of charges: infraction, misdemeanor, or felony. Which is the most expensive bail bond??

Felony Infraction Misdemeanor

Page 3 of 9

True or False: A felony DUI bond can cost up to 50,000 dollars True False

Page 4 of 9

True or False: On average, a DUI could cause your insurance rates to go up by 80%.

True False

Page 5 of 9

Now you need an attorney. On average, people pay how much in attorney fees?

A. $500-$1000 B. $1000-$2000 C. $2500-$5000 D. $8000-$10,000

Page 6 of 9

To help reduce your penalties or reinstate your license faster, you can: A. Pay the arresting officer a side fee B. Stay in prison for a longer period of time C. Mentor a youth program D. Go to Traffic School

Page 7 of 9

What does an Ignition Interlock Device (IID) do?

Hint: It's super embarrassing...

A. An in-car breathalyzer that prevents user from starting a vehicle until passing breathalyzer test B. An in-car breathalyzer that alerts the police if you have a high blood alcohol level C. An in-car breathalyzer that tests your blood alcohol level but has no affect on ignition D. A device that alerts someone in your phone to come drive for you if you fail the breathalyzer test

Page 8 of 9

True or False: In Australia, if you get a DUI, your name and offense will be published in the local newspaper True False

Page 9 of 9

True or False: In the U.S, the average TOTAL cost of a DUI is around the same cost of a new car.

True False

How Did You Do? If your score wasn’t so great…read up!

How Much Does SR22 Insurance Cost in Tennessee?

SR22 insurance in Tennessee comes with additional fees, but it doesn’t have to break the bank. Most insurance companies charge a one-time SR22 filing fee of $0–$25 per policy term. This fee ensures that your insurer submits the required proof of financial responsibility to the Tennessee Department of Safety and Homeland Security.

Tennessee State Minimum Insurance Requirements

In Tennessee, liability insurance is required for all drivers to cover bodily injury and property damage in accidents where they are at fault. The state minimum liability coverage includes:

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

Optional Coverages for Additional Protection

While Tennessee requires only liability insurance, adding extra coverages can provide more financial protection. Some optional coverage options include:

• Uninsured/Underinsured Motorist (UM/UIM) – Protects you if an at-fault driver does not have insurance or lacks sufficient coverage
• Personal Injury Protection (PIP) – Helps cover medical expenses and lost wages after an accident
• Comprehensive & Collision – Covers damage to your vehicle from accidents, theft, weather, and vandalism

Why Consider Higher Coverage Limits?

The state minimum may not be enough in a serious accident. If damages exceed your coverage limits, you may be personally responsible for additional costs. Increasing your liability limits or adding comprehensive and collision coverage can provide better financial protection at an affordable rate.

Get a Free Tennessee Auto Insurance Quote Today

Need affordable liability insurance or full coverage options? Contact us today to compare rates and find the best coverage for your budget.

Here’s a table summarizing the key aspects of liability car insurance:

Key Points

1. Bodily Injury Liability: Covers medical expenses, lost wages, and legal fees for injuries you cause to others in an accident.
2. Property Damage Liability: Covers costs to repair or replace another person’s property that you damage in an accident.
3. State Requirements: Liability insurance is required in most states with varying minimum coverage limits.
4. Coverage Limits: Policies typically have per person, per accident, and property damage limits.
5. Exclusions: Does not cover intentional damage, damages from commercial driving, or damages from felonies.

Compare SR22 Insurance Rates in Tennessee: Find the Best Coverage for Your Needs

If you need SR22 insurance in Tennessee, finding affordable coverage is crucial. SR22 is not a type of insurance but a certificate of financial responsibility required by the state for drivers with serious violations like DUI, reckless driving, or driving without insurance. The cost of SR22 insurance varies based on factors like driving history, location, and the insurance provider.

Key Takeaways

• Progressive offers competitive rates and is known for its reliable customer service, making it a strong choice for SR-22 insurance.
• Dairyland provides extensive coverage options at slightly higher rates, ensuring comprehensive protection.
• Gainsco is an affordable option with good customer satisfaction scores.
• The General offers robust coverage but at a higher cost, suitable for those looking for comprehensive protection.
• National General provides a balance of cost and coverage, making it an attractive option for many drivers.
• Bristol West offers excellent value for comprehensive coverage with high customer satisfaction.

By comparing these top companies, you can find SR22 insurance Tennessee that best fits your needs and budget. Always consider the coverage options and customer ratings in addition to the cost to ensure you are making the best choice for your situation.

Why Use a Broker for Your SR22 Insurance Needs?

Finding cheap SR22 insurance in Tennessee can be challenging, especially for high-risk drivers. A licensed insurance broker can simplify the process and help you secure the best rates by comparing multiple providers. Here’s why working with a broker is a smart choice:

1. Access to Multiple Insurance Companies

Unlike direct insurers that only offer their own policies, brokers compare rates from multiple SR22 insurance providers. This helps you find the cheapest SR22 insurance in Tennessee without having to shop around yourself.

2. Expertise in High-Risk Insurance

If you need an SR22 due to a DUI, reckless driving, or license suspension, a broker can navigate the complexities of high-risk insurance. They ensure you meet state filing requirements while keeping costs as low as possible.

3. Faster SR22 Filing

Brokers handle SR22 filings directly with the Tennessee Department of Motor Vehicles (DMV), reducing delays and ensuring your driving privileges are reinstated as soon as possible.

4. Personalized Coverage Options

Brokers tailor policies to your needs, whether you need liability-only SR22 insurance or full coverage with SR22 filing. They help you understand:

• State minimum liability requirements
• SR22 insurance costs and filing fees
• Ways to reduce your premium

5. Save Time & Money

Instead of calling multiple insurers, a broker compares SR22 quotes for you. This not only saves time but can also help you secure lower premiums by finding discounts or better coverage options.

Get a Free SR22 Insurance Quote Today

Need affordable SR22 insurance in Tennessee? Contact a broker today to compare rates and secure the best coverage for your needs.

Comparison of SR22 Insurance Rates in Tennessee by Company

Key Points

1. Personalized Service: Brokers provide tailored service, ensuring you get the best rates for your cheap SR22 insurance needs.
2. Market Knowledge: They compare rates from multiple companies, helping you save money.
3. Simplified Process: Brokers assist with filing forms and understanding insurance requirements, reducing stress and ensuring compliance.

Affordable SR-22 Insurance for Non-Owners in Tennessee

If you need SR-22 insurance in Tennessee but don’t own a vehicle, a non-owner SR-22 policy is a cost-effective solution. This type of insurance provides liability coverage for drivers who borrow or rent cars, ensuring compliance with Tennessee’s SR-22 requirements without the expense of insuring a vehicle.

Who Needs Non-Owner SR-22 Insurance?

A non-owner SR-22 policy is ideal for:

• Drivers who need to reinstate a suspended license
• Individuals required by the court to maintain SR-22 coverage
• Drivers who occasionally rent or borrow vehicles
• High-risk drivers who need to meet Tennessee’s liability insurance laws

What Does Non-Owner SR-22 Insurance Cover?

A non-owner SR-22 policy includes:

• Liability coverage – Covers bodily injury and property damage if you’re at fault in an accident while driving a borrowed or rental car
• Compliance with Tennessee’s SR-22 filing – Ensures the state receives proof of your financial responsibility
• Protection for high-risk drivers – Helps restore driving privileges after a DUI, multiple violations, or other infractions

How Much Does Non-Owner SR-22 Insurance Cost in Tennessee?

The cost of non-owner SR-22 insurance varies based on:

Insurance provider rates

Driving history (DUIs, violations, accidents)

Age and location

Comparison of Non-Owner SR-22 Insurance Rates in Tennessee by Company

Key Points

1. Progressive: $110/month for non-owner liability-only coverage, known for competitive rates and good customer service.
2. Dairyland: $115/month for non-owner liability-only coverage, specializes in high-risk drivers.
3. Gainsco: $105/month for non-owner liability-only coverage, offers affordable rates for high-risk drivers.
4. Assurance America: $120/month for non-owner liability-only coverage, provides flexible payment options.
5. National General: $130/month for non-owner liability-only coverage, offers extensive coverage options.
6. The General: $100/month for non-owner liability-only coverage, focuses on high-risk drivers.
7. Bristol West: $125/month for non-owner liability-only coverage, provides customizable policies.
8. Mendota: $135/month for non-owner liability-only coverage, offers comprehensive options.
9. Suncoast: $120/month for non-owner liability-only coverage, known for affordable rates.
10. Falcon: $110/month for non-owner liability-only coverage, specializes in high-risk drivers.

By comparing these options, non-owners can find cheap SR-22 insurance in Tennessee that meets their legal requirements and budget constraints. For more detailed information and to get personalized quotes, consider consulting with an insurance broker.

Cheapest Full Coverage SR-22 Insurance Rates in Tennessee

If you need full coverage SR-22 insurance in Tennessee, comparing rates from different providers can help you find the most affordable option. Full coverage includes liability, comprehensive, and collision insurance, offering greater financial protection beyond state minimum requirements.

What Affects SR-22 Full Coverage Costs?

Several factors impact SR-22 full coverage rates in Tennessee, including:

Coverage limits – Higher liability and lower deductibles result in higher premiums

Driving history – Violations like DUIs or multiple accidents increase rates

Age and location – Younger drivers and urban areas often have higher costs

Insurance provider – Rates vary significantly between companies

Vehicle type – Newer or high-value vehicles cost more to insure

Comparison of Full Coverage SR-22 Insurance Rates in Tennessee by Company

Key Points

1. Progressive: $150/month for full coverage, known for competitive rates and good customer service.
2. Dairyland: $160/month for full coverage, specializes in high-risk drivers.
3. Gainsco: $140/month for full coverage, offers affordable rates for high-risk drivers.
4. Assurance America: $155/month for full coverage, provides flexible payment options.
5. National General: $170/month for full coverage, offers extensive coverage options.
6. The General: $135/month for full coverage, focuses on high-risk drivers.
7. Bristol West: $165/month for full coverage, provides customizable policies.
8. Mendota: $175/month for full coverage, offers comprehensive options.
9. Suncoast: $155/month for full coverage, known for affordable rates.
10. Falcon: $145/month for full coverage, specializes in high-risk drivers.

By comparing these options, you can find the best deals on full coverage SR22 insurance in Tennessee that meet your legal requirements and budget. For more detailed information and to get personalized quotes, consider consulting with an insurance broker.

Best Home and Auto Insurance Policies for New Homeowners

• Progressive Home and Auto Insurance Bundle
  Enjoy comprehensive coverage with this cost-effective bundle for new homeowners. Features include discounts on home and vehicle insurance when combined, liability coverage, and flexible deductible options.
  Key Benefit: Snapshot program for additional auto savings.
  Call us at 1.888.445.2793 for more details. Text Us
• State Farm New Homeowners Policy
  Protect your home and vehicle with State Farm’s customizable policies. Includes property damage protection, auto accident coverage, and a personal property replacement option.
  Key Benefit: Discounts for installing home security systems.
  Call us at 1.888.445.2793 to learn more. Text Us
• Allstate Auto and Home Insurance for First-Time Homeowners
  Tailored for first-time homeowners, this policy offers bundled savings, coverage for natural disasters, and roadside assistance for your vehicle.
  Key Benefit: Claims-free rewards program.
  Call us at 1.888.445.2793 to discuss. Text Us
• Nationwide Home and Auto Bundle for New Buyers
  Comprehensive coverage options with great savings for bundling. Offers guaranteed replacement cost coverage for your home and accident forgiveness for your auto policy.
  Key Benefit: Multi-policy discounts for new homeowners.
  Call us at 1.888.445.2793 for assistance. Text Us

Frequently Asked Questions about Cheap SR22 Insurance Tennessee

For more information about SR22 insurance in Tennessee or to get a quote, please call us at 1.888.445.2793.

What We Do at A Plus Insurance

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Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

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Insurance policy notes:

2001 Mazda MPV with liability only for one driver in Colorado. SR22 filing.

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Last Updated on January 31, 2025 by Brian Muse