SR22 Insurance Tennessee

Sr22 Insurance Tennessee

SR22 Insurance Tennessee

Yes Tennessee is known for their whiskey…but please don’t sample their spirits while driving…if you do…you will also be sampling some SR22s…

Sr22 Insurance Tennessee
2022 SR22 Insurance Tennessee

SR22 Insurance Tennessee: Which companies offer SR-22s

CompanySR22 Offered
Farmersyes
State Autono
Liberty Mutualyes
National Generalyes
Bristol Westyes
Nationwideno
Geicoyes
Mendota Ins. Companyyes
AssuranceAmericayes
Allstateunsure
USAANO
Progressive InsuranceYes
GAINSCOyes
Acceptance RTRyes
Travelersno
21st Centuryno
State Farmunsure
Dairylandyes
SR22 Insurance Tennessee-Some companies do not offer SR-22 filings because they do not insure ‘high risk’ drivers. They may be a preferred company that do not allow those types of violations. 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.

SR22 Insurance Tennessee: SR-22 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.

SR22 Insurance Tennessee: Cost for SR-22 (full coverage)

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
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.

Who has the lowest price on SR-22 in Tennessee

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
Feeling overwhelmed while searching for an affordable insurance quote? Check which insurance companies are rated the cheapest for SR-22 filings for each city.

SR22 Insurance Tennessee: DUIs and SR-22s

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.

Quiz Yourself: What Could a DUI Cost You?


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

SR22 Insurance Tennessee: Company fees for SR-22s

Progressive Insurance$25.00
Safecona
Liberty Mutual$15-$25
Nationwidena
Bristol WestNA
Farmers$15-$67
Geico$25.00
American Familyna
Acceptance RTR$25.00
National General$25.00
State FarmUnknown
USAAna
The General$25.00
GAINSCO$25.00
Travelersna
DairylandFree
Mendota Ins. CompanyNA
AssuranceAmericaNA
21st Centuryna
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.

SR22 Insurance Tennessee: State Insurance requirements

StateState MinPIP?
Tennessee25/50/15N/A
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.

Laws pertaining to SR-22 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. The type of offense will determine the amount of time the SR-22 needs to be in force.

SR22 Insurance Tennessee: Rates by company (liability)

CompanySR22 Liability (average)
American FamilyN/A
State FarmN/A
Progressive Insurance$63.00
Mendota Ins. Company$74.00
TravelersN/A
National General$121.00
GAINSCO$117.00
Liberty Mutual$81.00
Acceptance RTR$87.00
Farmers$77.00
Geico$120.00
State AutoN/A
AssuranceAmerica$124.00
AllstateN/A
SafecoN/A
Bristol West$72.00
Dairyland$85.00
NationwideN/A
This is 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.

SR22 Insurance Tennessee: Who has the lowest price (by City)

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
Not sure where to start searching for affordable insurance quotes? Check with your city above to find the cheapest insurance company in your area, that specializes in SR-22 filings.

Need an SR-22 but no Vehicle?

In Tennessee, you can purchase a Non Owners policy, which covers you for liability insurance, driving any vehicle as long as you neither any household members do not own the vehicle. You can purchase this type of policy and add the SR-22 filing to comply.

SR-22 Insurance rates by company (full coverage) in Tennessee

CompanySR22 Full Coverage (average)
Liberty Mutual$180.00
AssuranceAmerica$200.00
GAINSCO$194.00
USAAN/A
21st CenturyN/A
Acceptance RTR$180.00
Dairyland$187.00
SafecoN/A
State AutoN/A
Progressive Insurance$209.00
The General$205.00
American FamilyN/A
State FarmN/A
Mendota Ins. Company$211.00
TravelersN/A
National General$206.00
Farmers$203.00
AllstateN/A
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.

SR22 Insurance Tennessee Frequently Asked Questions

How do I find out if I need an SR-22 in Tennessee?

If you are unsure if you’re required to carry an SR-22 in Tennessee, contact your local DMV for answers. 

What if I’m required to carry an SR-22 but do not own a vehicle?

You can purchase a Non-Owners policy which will have the minimum liability limits by law, and an SR-22 filing. 

What is an SR-22?

An SR-22 is also known as a financial responsibility filing. This lets the State know that you are insured for at least the minimum required limits.  

How long do I have to have my SR-22 in Tennessee?

The average amount of time to carry an SR-22 is 1-3 years.

How do I get an SR-22 in Tennessee?

If you are insured and your company offers SR-22 filings, you can add it to your policy for a small fee. If you do not have current insurance, start by checking around for free quotes to find the best price. 

How do I know if I need an SR-22 in Tennessee?

If you’ve been convicted of a major violation, chances are you need an SR-22. You can check with your local DMV for more information pertaining to your specific case.

A Plus Insurance

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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Last Updated on January 4, 2022 by Veronica Moss

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