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Unlock Savings: Your Guide to Cheap SR22 Insurance in Tennessee


Looking for affordable SR22 insurance in Tennessee? Our comprehensive guide reveals how you can secure the coverage you need without breaking the bank, ensuring you’re back on the road with confidence and full compliance.

Best SR22 Insurance Providers in Tennessee: Compare Top Companies and Rates

SR22 Insurance Tennessee: When searching for the best SR22 insurance in Tennessee, it’s essential to know which providers offer affordable and reliable coverage. At A Plus Insurance, we partner with top SR22 insurance providers in Tennessee, including Progressive, The General, and National General. These companies are known for offering competitive rates and dependable service for high-risk drivers.

Not all insurance companies in Tennessee provide SR22 filings due to the risks associated with high-risk drivers. High-risk drivers are typically those with serious traffic violations, multiple infractions, at-fault accidents, lapsed insurance coverage, or poor credit scores. These factors make finding cheap SR22 insurance in Tennessee more challenging, but not impossible.

If your current insurer doesn’t offer SR22 coverage, our experienced agents can help. We’ll compare rates from multiple providers to find you the cheapest SR22 insurance in Tennessee, ensuring you get the coverage you need without overpaying. Contact us today for a fast, free quote.

Below is a table highlighting which insurance companies offer SR22 and which do not.

CompanySR22 Offered
FarmersYes
State AutoNo
Liberty MutualYes
National GeneralYes
Bristol WestYes
NationwideNo
GeicoYes
Mendota Ins. CompanyYes
AssuranceAmericaYes
AllstateN/A
USAANo
Progressive InsuranceYes
GAINSCOYes
Acceptance RTRYes
TravelersNo
21st CenturyNo
State FarmNo
DairylandYes

SR22 Insurance in Tennessee: Understanding Child Support Requirements and Compliance

In Tennessee, failing to pay child support can result in the suspension of your driver’s license as part of enforcement measures. To reinstate your license, you may be required to obtain SR22 insurance, which proves that you carry the minimum required auto insurance coverage. The SR22 form, filed by your insurance company with the state, certifies your compliance with Tennessee’s legal requirements, including those related to child support obligations.

SR22 insurance in Tennessee is not a type of insurance but a certificate that demonstrates your financial responsibility. If your license was suspended due to non-payment of child support, obtaining cheap SR22 insurance is crucial for regaining your driving privileges and fulfilling your legal obligations. At A Plus Insurance, we help you find affordable SR22 insurance in Tennessee, ensuring you stay compliant while managing your child support responsibilities.

Here’s a straightforward list of insurers offering affordable cheap SR22 insurance in Tennessee, tailored for individuals managing child support:

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

Insurance CompanyMonthly RateCoverage Type
Progressive$179Full Coverage
National General$135Liability Only
The General$199Full Coverage

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 SR-22 Insurance: Understanding the Costs

TThe average cost for full coverage varies with each insurance company, as well as the insured. A driver with less violations will pay less for full coverage insurance. The SR-22 form filing is generally a small fee added onto the premium, but failing to submit the SR-22 within the required period can lead to a penalty, including the revocation of your driver’s license.

Full coverage car insurance is a term commonly used to describe a combination of insurance policies that provide comprehensive protection for your vehicle. It generally includes the following types of coverage:

  1. Liability Insurance: This is mandatory in most states and covers costs associated with damage and injuries you cause to others in an accident. It includes both bodily injury liability and property damage liability.
  2. Collision Insurance: This covers damages to your own vehicle when you’re involved in a collision, whether with another vehicle or an object like a fence or a tree.
  3. Comprehensive Insurance: This coverage pays for damage to your vehicle caused by non-collision events such as theft, fire, vandalism, and natural disasters like hail or floods.
  4. Uninsured/Underinsured Motorist Protection: This protects you if you’re in an accident with someone who either doesn’t have enough insurance or doesn’t have any insurance at all.

Full coverage car insurance is recommended for those who have a newer model car, have a loan or a lease, or simply want peace of mind knowing they’re well-protected in most driving-related incidents. It’s important to note that “full coverage” isn’t a specific policy itself but a combination of coverage options that provide a comprehensive safety net.

CityPrice
Murfreesboro$179
Nashville-Davidson$146
Cleveland$180
Germantown$160
Lebanon$156
Nolensville$147
Brownsville$164
Lakeland$173
Humboldt$175
Seymour$177
Hendersonville$163
Jefferson City$166
East Ridge$158
Jackson$155
Sevierville$165
Union City$158
Lenoir City$176
Alcoa$148
Franklin$182
Signal Mountain$160
Fairview$173
Covington$180
Farragut$157
Goodlettsville$178
Mount Juliet$148
Knoxville$154
Red Bank$150
Crossville$148
Greeneville$156
Atoka$158
McMinnville$152
Smyrna$182
Dyersburg$154
Maryville$176
Paris$172
Morristown$177
Dickson$177
Springfield$158
Memphis$154
Harrison$171
Elizabethton$148
Columbia$172
Hartsville/Trousdale County$165
Kingsport$170
Soddy-Daisy$155
Lewisburg$181
Cookeville$164
Winchester$171
Gallatin$155
Middle Valley$159
Oak Ridge$148
La Vergne$174
Bartlett$167
Lawrenceburg$158
Bristol$156
Martin$168
Portland$173
Spring Hill$154
Shelbyville$163
White House$162
Manchester$163
South Cleveland$182
Arlington$176
Johnson City$175
Collegedale$148
Athens$153
Fairfield Glade$182
Bloomingdale$179
Clinton$182
Millington$159
Tullahoma$174
Collierville$165
Brentwood$149
Cheap Full Coverage SR22 Insurance in Tennessee – By City

Cheap SR22 Insurance Options in Tennessee

Finding affordable SR22 insurance in Tennessee can be straightforward if you know where to look. Our agency specializes in providing cost-effective solutions for drivers who require SR22 certification due to past driving infractions.

To secure the lowest rates, it’s crucial to compare offerings from different insurers. For instance, based on recent data, monthly premiums for cheap SR22 insurance Tennessee can vary significantly depending on the provider. Rates from top companies like Progressive, National General, and The General start as low as $110 for basic coverage. Beyond choosing the right insurer, you can further reduce your costs by opting for higher deductibles, maintaining a clean driving record post-SR22, and taking defensive driving courses. These strategies not only lower premiums but also demonstrate to insurers that you’re committed to safe driving practices.

CityPrice
LewisburgNational General
MemphisThe General
DyersburgProgressive
Jefferson CityGeico
ColliervilleLiberty Mutual
ShelbyvilleLiberty Mutual
ParisThe General
CollegedaleGeico
SpringfieldProgressive
McMinnvilleNational General
Fairfield GladeLiberty Mutual
Oak RidgeGeico
CookevilleLiberty Mutual
Middle ValleyProgressive
Red BankProgressive
Spring HillProgressive
AlcoaProgressive
South ClevelandProgressive
ArlingtonProgressive
FranklinThe General
ClevelandProgressive
White HouseProgressive
Signal MountainThe General
CovingtonProgressive
GermantownProgressive
HendersonvilleProgressive
BloomingdaleProgressive
Nashville-DavidsonThe General
ColumbiaThe General
Mount JulietGeico
Johnson CityProgressive
MorristownDairyland*
BrentwoodThe General
AthensThe General
SeviervilleFarmers
Hartsville/Trousdale CountyProgressive
HarrisonThe General
ElizabethtonFarmers
GoodlettsvilleDairyland*
ChattanoogaThe General
MaryvilleProgressive
East RidgeGeico
Union CityLiberty Mutual
MurfreesboroFarmers
ClarksvilleGeico
JacksonLiberty Mutual
SmyrnaDairyland*
BartlettProgressive
Lenoir CityLiberty Mutual
LebanonProgressive
SeymourProgressive
KnoxvilleGeico
ManchesterThe General
GreenevilleGeico
MillingtonDairyland*
CrossvilleDairyland*
AtokaThe General
HumboldtDairyland*
GallatinGeico
Soddy-DaisyGeico
BristolThe General
TullahomaGeico
NolensvilleThe General
WinchesterProgressive
FarragutLiberty Mutual
LawrenceburgProgressive
ClintonGeico
KingsportProgressive
LakelandProgressive
BrownsvilleThe General
MartinProgressive

Managing DUIs: Navigating SR-22 Requirements in Tennessee

If you’ve been convicted of a DUI in Tennessee, you will be required to carry an SR-22 with at least State minimum liability for 3-5 years. Details pertaining to your specific case can be answered by your local DMV. Simply put, all you need is a State Minimum Liability Insurance policy, with an SR-22 filing added on for either little to no extra cost.

Quiz Yourself: What Could a DUI Cost You?


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

How Much is SR-22 Insurance in TN: Company Fees for SR-22s

Many companies offer SR-22 filings for a small fee. Most companies charge a fee of $0-$25 for each insurance term. This gives the insurance company the responsibility to report the insurance to the State of Tennessee. It is important not to let your insurance policy lapse, or cancel during your insurance term, otherwise the State of Tennessee will get a notification which may result in the suspension of your license, or additional fines.

CarrierSR22 Filing Fee
Progressive Insurance$25.00
SafecoN/A
Liberty Mutual$15-$25
NationwideN/A
Bristol West$25.00
Farmers$15-$67
Geico$25.00
American FamilyN/A
Acceptance RTR$25.00
National General$25.00
State FarmDoes not offer SR22
USAAN/A
The General$25.00
GAINSCO$25.00
TravelersN/A
DairylandFree
Mendota Ins. Company$25.00
AssuranceAmerica$25.00
SR22 Insurance Tennessee – Fee’s Per Company

State Insurance Requirements in Tennessee

The State minimum liability requirements cover bodily injury expenses and property damage for an accident that you are liable for (At Fault). This will pay out $25,000 per person for bodily injury, up to $50,000 per accident and $25,000 for property damage. Additional coverages are available for greater coverage, to protect yourself and others for little of charge. Some optional coverages include Uninsured Motorist Bodily Injury Protection & Property Damage, and Personal Injury Protection (PIP).

Liability car insurance is a type of auto insurance coverage that helps pay for another person’s expenses if you cause an accident. This coverage is required in most states in the U.S. and includes both bodily injury liability and property damage liability.

StateState Min.PIP?
Tennessee25/50/25N/A
SR22 Insurance Tennessee:

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

AspectDescription
Coverage TypesBodily Injury Liability: Covers medical expenses, lost wages, and legal fees if you injure someone in an accident.
Property Damage Liability: Covers repair or replacement costs for damage you cause to another person’s property.
Who is Covered– The policyholder
– Family members listed on the policy
– Individuals driving your car with permission
Who is Not Covered– The policyholder’s own injuries and property damage
– Injuries and damage to the policyholder’s passengers
Coverage LimitsPer Person Limit: Maximum amount paid for one person’s injuries.
Per Accident Limit: Maximum amount paid for all injuries in one accident.
Property Damage Limit: Maximum amount paid for property damage.
State Requirements– Varies by state; most states require a minimum amount of liability coverage.
– Typical minimums might be 25/50/25 (e.g., $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage).
Exclusions– Intentional damage
– Damage caused while driving for commercial purposes
– Damage caused while committing a felony
Importance– Protects you from financial liability in case of an at-fault accident
– Legal requirement in most states

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 SR-22 Insurance Rates in Tennessee: Top Companies and Liability Coverage

Finding the right SR22 insurance in Tennessee can be challenging, especially with the added cost implications. SR22 insurance is required for drivers who have committed serious traffic violations, such as DUI, and need to show proof of financial responsibility. It’s crucial to compare rates from different companies to ensure you’re getting the best coverage at an affordable price. Tennessee has a variety of insurance providers offering SR-22 coverage, each with different rates and policy terms.

In Tennessee, the cost of SR22 insurance can vary significantly based on the insurer and the driver’s history. The state mandates that drivers maintain an SR-22 for a specific period, typically three to five years, depending on the violation. Comparing rates and coverage options is essential to find the best policy that meets your needs without breaking the bank. Here, we provide a comparison of SR22 insurance rates from top companies in Tennessee, focusing on liability coverage to help you make an informed decision.

Insurance CompanyMonthly RateAnnual RateCoverage OptionsCustomer Ratings
Progressive$120$1,440Liability, comprehensive, collision4.3/5
Dairyland$130$1,560Liability, comprehensive, collision4.2/5
Gainsco$125$1,500Liability, comprehensive, collision4.1/5
The General$135$1,620Liability, comprehensive, collision4.0/5
National General$115$1,380Liability, comprehensive, collision4.4/5
Bristol West$110$1,320Liability, comprehensive, collision4.5/5

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 Cheap SR22 Insurance Needs?

Using a broker for your cheap SR22 insurance needs can offer numerous advantages, particularly when navigating the complexities of SR22 insurance in Tennessee. Brokers have extensive knowledge of the insurance market and can provide personalized service tailored to your unique situation. They can shop around and compare rates from multiple insurance companies, ensuring you get the best deal possible for your SR22 insurance. This is particularly valuable for high-risk drivers who may face higher premiums and limited options.

Another significant benefit of using a broker is their ability to simplify the process. SR22 insurance requirements and regulations can be confusing, especially for those unfamiliar with insurance policies. Brokers can guide you through the necessary steps, from filing the SR22 form to understanding the coverage limits and exclusions. Their expertise can save you time and stress, ensuring that you meet all legal requirements while securing affordable SR22 insurance coverage.

Comparison of SR22 Insurance Rates in Tennessee by Company

Insurance CompanyMonthly RateAnnual RateCoverage TypeComments
Progressive$120$1,440Liability Only & Non-OwnerKnown for competitive rates and good customer service
Dairyland$130$1,560Liability Only & Non-OwnerSpecializes in high-risk drivers and offers comprehensive coverage
Gainsco$115$1,380Liability OnlyOffers affordable rates for high-risk drivers
Assurance America$125$1,500Liability OnlyProvides flexible payment options and coverage
National General$140$1,680Liability Only & Non-OwnerOffers extensive coverage options and good customer service
The General$110$1,320Liability OnlyFocuses on high-risk drivers and provides non-owner policies
Bristol West$135$1,620Liability Only & BroadformCompetitive rates for high-risk drivers with customizable policies
Mendota$145$1,740Liability OnlySpecializes in high-risk drivers with competitive pricing
Falcon$115$1,380Liability OnlySpecializes in high-risk drivers with competitive pricing

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

Finding cheap SR-22 insurance in Tennessee can be challenging, especially for non-owners who need to meet state requirements without owning a vehicle. Non-owner SR-22 insurance provides liability coverage for drivers who don’t own a car but still need insurance to reinstate their license or comply with court orders. This type of policy is ideal for individuals who occasionally drive borrowed or rented vehicles. By using a broker, you can compare rates from various insurers to find the most affordable option that meets your needs.

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

Insurance CompanyMonthly RateAnnual RateCoverage TypeComments
Progressive$110$1,320Non-Owner Liability OnlyKnown for competitive rates and good customer service
Dairyland$115$1,380Non-Owner Liability OnlySpecializes in high-risk drivers and offers comprehensive coverage
Gainsco$105$1,260Non-Owner Liability OnlyOffers affordable rates for high-risk drivers
Assurance America$120$1,440Non-Owner Liability OnlyProvides flexible payment options and coverage
National General$130$1,560Non-Owner Liability OnlyOffers extensive coverage options and good customer service
The General$100$1,200Non-Owner Liability OnlyFocuses on high-risk drivers and provides non-owner policies
Bristol West$125$1,500Non-Owner Liability OnlyCompetitive rates for high-risk drivers with customizable policies
Mendota$135$1,620Non-Owner Liability OnlyProvides comprehensive coverage options and good customer support
Suncoast$120$1,440Non-Owner Liability OnlyKnown for affordable rates and reliable customer service
Falcon$110$1,320Non-Owner Liability OnlySpecializes in high-risk drivers with competitive pricing

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 SR-22 Insurance Rates by Company (Full Coverage) in Tennessee

Finding the most affordable full coverage SR22 insurance in Tennessee can help you save money while meeting state requirements. Comparing rates from different companies ensures you get the best deal for comprehensive protection. Here’s a detailed comparison of the cheapest SR-22 insurance rates for full coverage from various insurers in Tennessee.

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

Insurance CompanyMonthly RateAnnual RateCoverage TypeComments
Progressive$150$1,800Full CoverageKnown for competitive rates and good customer service
Dairyland$187$2,244Full CoverageSpecializes in high-risk drivers and offers comprehensive coverage
Gainsco$194$2,328Full CoverageOffers affordable rates for high-risk drivers
Assurance America$200$2,400Full CoverageProvides flexible payment options and coverage
National General$170$2,040Full CoverageOffers extensive coverage options and good customer service
The General$205$2,460Full CoverageFocuses on high-risk drivers and provides comprehensive policies
Bristol West$165$1,980Full CoverageCompetitive rates for high-risk drivers with customizable policies
Mendota$175$2,100Full CoverageProvides comprehensive coverage options and good customer support
Falcon$145$1,740Full CoverageSpecializes in high-risk drivers with competitive pricing

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.

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Frequently Asked Questions about Cheap SR22 Insurance Tennessee


What is SR22 Insurance in Tennessee?

SR22 insurance in Tennessee is a certificate of financial responsibility required for certain drivers by the state. It’s not a type of car insurance, but a document provided by your insurance company proving that you carry the minimum liability coverage required by Tennessee law.

How do I obtain SR22 Insurance in Tennessee?

To obtain SR22 insurance, you’ll need to contact an insurance provider who is authorized to issue SR22 certificates in Tennessee. After purchasing the required liability insurance policy, the insurance company will file the SR22 form with the Tennessee Department of Safety on your behalf.

How much does SR22 Insurance cost in Tennessee?

The cost of SR22 insurance in Tennessee can vary based on your specific circumstances, including your driving record, the reason for the SR22, and the insurance provider. There is typically a filing fee, and your insurance rates may increase due to the violation that led to the SR22 requirement.

Who needs SR22 Insurance in Tennessee?

In Tennessee, SR22 Insurance is required for drivers who have had their licenses suspended due to driving offenses such as DUIs, reckless driving, or driving without insurance. The state uses the SR22 to monitor high-risk drivers and ensure they maintain the minimum required liability insurance coverage.

How long do I need to keep SR22 Insurance in Tennessee?

Typically, drivers in Tennessee are required to maintain SR22 insurance for a period of three years from the date their license suspension ends. However, the exact duration can vary depending on the severity of the driving offense and any additional requirements set by the court or the Tennessee Department of Safety.

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

Find Out More About SR-22 in your State!


Insurance varies greatly from state to state. Click on your state to find out more specifics about SR-22 insurance.

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