120+ more*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
An SR-22 certificate is a form your insurer files to prove you meet Tennessee’s minimum car insurance requirements.
SR-22 insurance in Tennessee costs an average of $74 per month for state-minimum coverage.
You usually need an SR-22 after a serious violation, such as a conviction for driving under the influence (DUI) or reckless driving.
An SR-22 isn’t insurance. It’s a certificate of financial responsibility that your insurer files electronically with the Tennessee Department of Safety and Homeland Security. It shows you have at least the minimum required liability coverage.
In Tennessee, you must have the following minimum coverage limits:[1]
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$25,000 in property damage liability
Only an insurer licensed in Tennessee can file the SR-22 form. You must maintain continuous SR-22 coverage for the same length of time your license was suspended or revoked.[2]
For example, if the state suspended your license for one year, you’ll generally need one year of continuous SR-22 coverage.
If you let your insurance coverage lapse and an officer catches you driving without insurance, the state may suspend your license. Before you can drive legally, you’ll need to reinstate your SR-22 insurance, pay license reinstatement fees, and reapply for your license.[3]
SR-22 Insurance | Tennessee Requirement |
|---|---|
| Minimum liability limit | 25/50/25 |
| Who files it | Your insurer |
| SR-22 filing fee | Varies by insurer |
| Lapse consequence | Possible new suspension |
| License-restoration fee | $65 |
Drivers who need an SR-22 form in Tennessee pay an average of $74 per month for liability-only coverage. Full coverage costs a bit more, at $163 per month.
Drivers in Tennessee with a clean record pay about $60 per month for liability-only insurance and $132 per month for full coverage.
An SR-22 doesn’t raise your rate on its own. The violation is what marks you as a high-risk driver and pushes up insurance costs.
Your rate depends on how serious the violation was, your driving record, and your insurer. For instance, a DUI conviction in Tennessee can raise rates more than a speeding ticket or an at-fault accident.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $60 | $132 |
| With SR-22 | $74 | $163 |
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The cheapest company on average for SR-22 insurance in Tennessee is State Farm. The same driver can pay very different insurance premiums from one insurer to the next, so it’s worth comparing SR-22 insurance quotes that include the SR-22 filing fee.
The table below highlights average rates for liability-only and full-coverage insurance in Tennessee for drivers with an SR-22.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $43 | $94 |
| Mile Auto | $46 | $95 |
| Sun Coast | $46 | $97 |
| Progressive | $49 | $92 |
| Direct Auto | $51 | $118 |
| Certainly | $52 | $153 |
| USAA | $52 | $111 |
| Allstate | $57 | $133 |
| AssuranceAmerica | $57 | $138 |
| Auto-Owners | $59 | $128 |
| GEICO | $59 | $129 |
| Travelers | $59 | $128 |
| The General | $60 | $187 |
| Erie | $64 | $138 |
| Trexis | $64 | $154 |
| GAINSCO | $71 | $185 |
| Safeco | $71 | $137 |
| Trexis One | $73 | $187 |
| National General | $76 | $131 |
| First Acceptance | $79 | $218 |
| Dairyland | $80 | $249 |
| Mendota | $80 | $189 |
| Farmers | $85 | $186 |
| Liberty Mutual | $87 | $184 |
| Bristol West | $90 | $202 |
| Root | $94 | $166 |
| Elephant | $95 | $179 |
| Chubb | $123 | $267 |
| State Auto | $164 | $356 |
Tennessee law requires an SR-22 form after certain serious driving offenses. Your insurer typically needs to file the SR-22 before you can reinstate your suspended license.
If you’re convicted of DUI, you’ll likely need an SR-22. But the state’s list of infractions requiring an SR-22 goes well beyond that.
For example, you might need an SR-22 if you’ve received too many tickets or convictions on your driving record. You might also need an SR-22 if you cause a serious accident.
Refusing an impairment test, driving impaired while underage, and leaving the scene of an accident can also trigger an SR-22. So can vehicular assault, using a car in a felony, or two reckless driving violations within a year.
Street racing, vehicle theft, and driving while possessing methamphetamine can also lead to an SR-22 requirement.
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If you need an SR-22 in Tennessee, you’ll need to contact your insurance company, not a state office. Here’s how it works.
Check your SR-22 requirements. Log in to the Tennessee Department of Safety and Homeland Security’s e-services portal to see the exact reinstatement requirements tied to your suspension.
Set up a policy that qualifies. You’ll need liability coverage that meets Tennessee’s 25/50/25 minimum requirements. If you don’t own a car, a non-owner SR-22 insurance policy will satisfy the SR-22 requirement.
Ask your insurer to file the SR-22. Only insurers licensed in Tennessee can file an SR-22 electronically with the state. State Farm, GEICO, and Liberty Mutual are among the best insurance companies in Tennessee and offer SR-22 coverage. But not every insurer will file an SR-22, so you may need to switch companies.
Maintain continuous coverage. Once the state accepts the filing, keep your insurance policy active for the whole filing period to prevent another license suspension.
Pay your reinstatement fees. Tennessee charges a $65 restoration fee to reinstate a suspended or revoked license. It can take up to five business days for the Financial Responsibility Office to review your paperwork.
In Tennessee, the SR-22 lasts as long as your license is suspended or revoked. A one-year revocation means you’ll need to have your insurer file the SR-22 for one year.
Longer suspensions or revocation periods mean a longer SR-22 filing requirement. The length depends on the offense, and you must maintain continuous coverage with no gaps.
If your coverage lapses, you may lose your driving privileges, and you’ll need to refile the SR-22 before you can drive again. If you’ve moved out of state, Tennessee may want a waiver signed by your new state’s driver services office.
Finding coverage can also be a hurdle, as some insurers won’t renew your policy after a serious driving violation like a DUI.
See below for answers to common questions about SR-22 insurance in Tennessee.
Drivers with an SR-22 in Tennessee pay about $74 per month for liability-only coverage and $163 for full coverage, on average. Your insurer may also add a one-time SR-22 filing fee.
You have to keep SR-22 insurance for the same amount of time that the state suspended or revoked your license. This can last one year or more, depending on the offense. If your SR-22 coverage lapses, the state can suspend your license again, and you’ll need to ask your insurer to refile the SR-22 form.
Yes. If you don’t own a vehicle, you can buy non-owner SR-22 insurance and have your insurer file the form to meet Tennessee’s SR-22 requirement.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
25 years teaching risk management and insurance course
Former commercial lines underwriter
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