Which Companies Offer SR22 in Tennessee

SR22 Insurance Tennessee- Some Insurance companies do not offer SR-22 filings because they do not insure ‘high risk’ drivers. A high-risk driver may be classified as a driver with a major conviction, such as Reckless driving or a DUI. What do you do if you cannot get an SR-22 on your current insurance policy? Call our experienced agents for a fast, free insurance quote where we are able to shop several insurance providers to find the cheapest SR-22 Insurance TN.

Most companies that do offer SR-22, charge a flat fee of $5-$25 per term. Some companies, like Dairyland Insurance, do not charge at all. That means if you have a current auto insurance policy with Dairyland, you do not pay any extra for the SR-22.

Company	SR22 Offered
Farmers	yes
State Auto	no
Liberty Mutual	yes
National General	yes
Bristol West	yes
Nationwide	no
Geico	yes
Mendota Ins. Company	yes
AssuranceAmerica	yes
Allstate	unsure
USAA	NO
Progressive Insurance	Yes
GAINSCO	yes
Acceptance RTR	yes
Travelers	no
21st Century	no
State Farm	unsure
Dairyland	yes

SR22 Insurance Tennessee and Child Support

SR22 Insurance Tennessee-If your license has been suspended for failure to pay child support, SR-22 needs to be on file for three (3) years from the date eligible for reinstatement. You must keep your Insurance policy active, without any lapse in coverages for the full 3 years. If you have a current auto Insurance policy, you may be able to add the SR-22 for little to no cost.

Cost for SR-22 (Full- Coverage)

The 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 filings is generally a small fee added onto the premium.

Full coverage insurance includes Comprehensive, and Collision coverage. Additional coverages may be added on such as Uninsured Motorist, Medical Payments, Roadside Assistance, and Rental Reimbursement.

Comprehensive – Also known as ‘Other than Collision’, will cover the vehicle for theft, vandalism, glass breakage, fire, and impact with an animal.

Collision – Covers the vehicle in the result of an impact with another vehicle and/or object. Full coverage prices will be more than liability, but you can still find cheap full coverage insurance with SR-22 in Tennessee.

City	Price
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 SR-22 Insurance TN

Feeling overwhelmed while searching for an affordable insurance quote? Our Insurance professionals help individuals, like yourself, every day to find cheap SR-22 Insurance in TN. What sets us aside from your standard Insurance company? We work with several of the Insurance providers listed below, making it easy for us to shop all of these companies to find you the best coverage, for the best price.

City	Price
Lewisburg	National General
Memphis	The General
Dyersburg	Progressive
Jefferson City	Geico
Collierville	Liberty Mutual
Shelbyville	Liberty Mutual
Paris	The General
Collegedale	Geico
Springfield	Progressive
McMinnville	National General
Fairfield Glade	Liberty Mutual
Oak Ridge	Geico
Cookeville	Liberty Mutual
Middle Valley	Progressive
Red Bank	Progressive
Spring Hill	Progressive
Alcoa	Progressive
South Cleveland	Progressive
Arlington	Progressive
Franklin	The General
Cleveland	Progressive
White House	Progressive
Signal Mountain	The General
Covington	Progressive
Germantown	Progressive
Hendersonville	Progressive
Bloomingdale	Progressive
Nashville-Davidson	The General
Columbia	The General
Mount Juliet	Geico
Johnson City	Progressive
Morristown	Dairyland*
Brentwood	The General
Athens	The General
Sevierville	Farmers
Hartsville/Trousdale County	Progressive
Harrison	The General
Elizabethton	Farmers
Goodlettsville	Dairyland*
Chattanooga	The General
Maryville	Progressive
East Ridge	Geico
Union City	Liberty Mutual
Murfreesboro	Farmers
Clarksville	Geico
Jackson	Liberty Mutual
Smyrna	Dairyland*
Bartlett	Progressive
Lenoir City	Liberty Mutual
Lebanon	Progressive
Seymour	Progressive
Knoxville	Geico
Manchester	The General
Greeneville	Geico
Millington	Dairyland*
Crossville	Dairyland*
Atoka	The General
Humboldt	Dairyland*
Gallatin	Geico
Soddy-Daisy	Geico
Bristol	The General
Tullahoma	Geico
Nolensville	The General
Winchester	Progressive
Farragut	Liberty Mutual
Lawrenceburg	Progressive
Clinton	Geico
Kingsport	Progressive
Lakeland	Progressive
Brownsville	The General
Martin	Progressive

DUIs and SR-22s 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?

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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 under igloos B. Driving under the influence C. Dancing ugly inkblots 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 more quickly...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 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.

Carrier	SR22 Filing Fee
Progressive Insurance	$25.00
Safeco	na
Liberty Mutual	$15-$25
Nationwide	na
Bristol West	NA
Farmers	$15-$67
Geico	$25.00
American Family	na
Acceptance RTR	$25.00
National General	$25.00
State Farm	Unknown
USAA	na
The General	$25.00
GAINSCO	$25.00
Travelers	na
Dairyland	Free
Mendota Ins. Company	NA
AssuranceAmerica	NA
21st Century	na

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 $15,000 for property damage. Additional coverages are available for greater coverage, to protect yourself and others for little of charge. Some coverages include Uninsured Motorist Bodily Injury Protection & Property Damage, and Personal Injury Protection (PIP).

State	State Min.	PIP?
Tennessee	25/50/15	N/A

Laws Pertaining to SR22 in Tennessee

The Tennessee Department of Revenue will require you to file an SR-22 filing after a suspended or revoked license. This will require you to carry the minimum liability limits of 25,000/50,000/15,000. The type of offense will determine the amount of time the SR-22 needs to be in force.

SR22 Insurance TN: Rates by Company (Liability)

Check the graph below for the average cost for liability insurance, with an SR-22 filing in the State of Tennessee. Each company is able to offer difference insurance rates, and discounts to keep the cost affordable. Call around or get a free quote from our agents who can shop all of these companies for the best price. Searching for SR-22 Insurance can seem like a stressful, daunting task, but we are here to make it simple and affordable for you.

Company	SR22 Liability (Average)
American Family	N/A
State Farm	N/A
Progressive Insurance	$63.00
Mendota Ins. Company	$74.00
Travelers	N/A
National General	$121.00
GAINSCO	$117.00
Liberty Mutual	$81.00
Acceptance RTR	$87.00
Farmers	$77.00
Geico	$120.00
State Auto	N/A
AssuranceAmerica	$124.00
Allstate	N/A
Safeco	N/A
Bristol West	$72.00
Dairyland	$85.00
Nationwide	N/A

Which Companies have the Cheapest SR-22 Insurance Tennessee

Instead of calling a dozen insurance companies, only to find out they do not offer SR-22 filings, or their prices are just too high, check below for a list of the cheapest Insurance companies that do offer SR-22 Insurance in your area. This will help you save time and money while navigating through this confusing time.

City	Price
Lewisburg	National General
Memphis	The General
Dyersburg	Progressive
Jefferson City	Geico
Collierville	Liberty Mutual
Shelbyville	Liberty Mutual
Paris	The General
Collegedale	Geico
Springfield	Progressive
McMinnville	National General
Fairfield Glade	Liberty Mutual
Oak Ridge	Geico
Cookeville	Liberty Mutual
Middle Valley	Progressive
Red Bank	Progressive
Spring Hill	Progressive
Alcoa	Progressive
South Cleveland	Progressive
Arlington	Progressive
Franklin	The General
Cleveland	Progressive
White House	Progressive
Signal Mountain	The General
Covington	Progressive
Germantown	Progressive
Hendersonville	Progressive
Bloomingdale	Progressive
Nashville-Davidson	The General
Columbia	The General
Mount Juliet	Geico
Johnson City	Progressive
Morristown	Dairyland*
Brentwood	The General
Athens	The General
Sevierville	Farmers
Hartsville/Trousdale County	Progressive
Harrison	The General
Elizabethton	Farmers
Goodlettsville	Dairyland*
Chattanooga	The General
Maryville	Progressive
East Ridge	Geico
Union City	Liberty Mutual
Murfreesboro	Farmers
Clarksville	Geico
Jackson	Liberty Mutual
Smyrna	Dairyland*
Bartlett	Progressive
Lenoir City	Liberty Mutual
Lebanon	Progressive
Seymour	Progressive
Knoxville	Geico
Manchester	The General
Greeneville	Geico
Millington	Dairyland*
Crossville	Dairyland*
Atoka	The General
Humboldt	Dairyland*
Gallatin	Geico
Soddy-Daisy	Geico
Bristol	The General
Tullahoma	Geico
Nolensville	The General
Winchester	Progressive
Farragut	Liberty Mutual
Lawrenceburg	Progressive
Clinton	Geico
Kingsport	Progressive
Lakeland	Progressive
Brownsville	The General
Martin	Progressive

Non Owners and SR-22

Were you told you need to carry SR-22 Insurance, but have no idea where to start because you do not actually own a vehicle?

In Tennessee, you can purchase a Non Owners policy, which covers you for liability insurance, driving any vehicle as long as neither you or any household members do not own the vehicle. You can purchase this type of policy and add the SR-22 filing to comply. This type of Insurance policy is generally cheap, depending on your driving record, and will make you compliant with the State.

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

Most commonly, people associate SR-22 insurance as expensive or the reasons their insurance premiums increase. This is not the case. Your insurance premium may increase based upon the violation you were convicted of, the SR-22 filing is a small fee added onto your existing policy. The average cost for the SR-22 is $0-$25 for your entire insurance term!

Company	SR22 Full Coverage (Average)
Liberty Mutual	$180.00
AssuranceAmerica	$200.00
GAINSCO	$194.00
USAA	N/A
21st Century	N/A
Acceptance RTR	$180.00
Dairyland	$187.00
Safeco	N/A
State Auto	N/A
Progressive Insurance	$209.00
The General	$205.00
American Family	N/A
State Farm	N/A
Mendota Ins. Company	$211.00
Travelers	N/A
National General	$206.00
Farmers	$203.00
Allstate	N/A

SR22 Insurance Tennessee Frequently Asked Questions

Additional Tennessee Insurance
Auto Insurance | Tennessee
Liability Insurance | Tennessee
Full Coverage Insurance | Tennessee
Motorcycle Insurance | Tennessee
Homeowner’s Insurance | Tennessee

Find Out More About SR-22 in your State!

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

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Last Updated on November 9, 2023 by Amanda Moss