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…

We are here to educate you on everything you need to know about SR-22 Insurance. Why you may need it, how long you need it, what the penalties are for not carrying SR-22, the cheapest prices for SR-22 Insurance in TN, and how SR-22 will impact your Insurance rates.

Sr22 Insurance Tennessee
2022 SR22 Insurance Tennessee

SR22 Insurance Tennessee: Which companies offer

SR-22?

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.

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 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.

SR22 Insurance Tennessee: 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.

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 SR-22 Insurance in TN

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.

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

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. 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.

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

State Insurance requirements in Tennessee

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. 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).

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 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.

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

Which companies have the cheapest SR-22 Insurance TN

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.

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

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!

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
Average price for full coverage auto insurance in Tennessee, with an SR-22 filing.

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.

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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 May 14, 2022 by Lauren Mckenzie