Tennessee SR-22 Car Insurance

How Much Does SR-22 Cost in Tennessee?

In Tennessee, traffic violations are not taken lightly. If you have been convicted of DUI at least once, probationary SR-22 insurance will be required to reinstate your driving privileges. It is a prerequisite that your insurance policy meets the minimum liability requirements of Tennessee. On the other hand, if you intend to continue driving but don’t own a car, you can apply for non-owner SR-22 insurance to garner liability insurance coverage.

Drivers in Tennessee who garnered driving citations in the past pay more expensive rates in contrast to drivers with a clean driving record. However, the increase in their car insurance policy in Tennessee will depend on the severity of the violation. However, the violation that will greatly impact your insurance rate is the DUI violation.

What is the rate of SR-22 insurance in Tennessee?

Typically, Tennessee’s SR-22 insurance rate will increase up to 50% after a serious citation such as DUI or at-fault accidents. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Tennessee. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

On the other hand, there are also ways to gain cheap SR-22 insurance in Tennessee. Comparing rates from different car insurance companies will help you identify the one that will lead to more affordable SR-22 insurance rates. You can gather information about various policies from other companies and take into account your current driving profile. Additionally, you can hire an agent to help you come up with cheap SR-22 insurance in Tennessee.

Tennessee SR-22 Car Insurance Rates by Company

There are several SR-22 insurance significant players in Tennessee. GEICO, Progressive, and USAA are some of the few that offer competitive SR-22 auto insurance rates in the state. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22 car rates upon examining your recent driving profile, location, age, and vehicle type.

What is the cheapest Tennessee SR-22 insurance rate?

There are many companies that offer cheap SR-22 insurance in Tennessee. High-risk drivers in Tennessee shoulder a $2,150 increase per year. The monthly Tennessee SR-22 insurance rate is around $439.

Tennessee SR-22 Car Insurance Rates by Company

CompanyYearly Average RateSR-22 Insurance Rate Per Year
Progressive$359$444
State Farm$401$660
USAA$368$789
Tennessee Farmers Mutual$467$822
Erie$401$955
Allstate$666$987
GEICO$488$1,379
Nationwide$1,101$2,181

One of the most common causes of car insurance increase is the privilege of a good driver discount. If you have been convicted with DUI citations, you will not be eligible for a good driver discount for ten years. Additionally, after a DUI or road violations, your license can be voided, and the cost of license reinstatement in Tennessee is $50 to $100.

What is SR-22 Car Insurance in Tennessee?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Tennessee. One is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form, which must be done by your insurer on your behalf.

Tennessee SR-22 Insurance Requirements

Tennessee SR-22 Car Insurance

How Long Do You Need an SR-22 After an Accident?

Typically, the length of how long you will need SR-22 insurance is measured by the level of your violation or the severity of the damages.  Most of the violations will only render a three-year SR-22 insurance requirement. However, for more severe fractions of breaches and damages, it can last up to ten years.

Being under SR-22 insurance, you will need to be prompt with payments and following the good driver rules. If you fail to do so, it is likely for your driving privileges to be suspended again and your car insurance policy to get canceled. Thus, any lapses can lead to non-renewable policies and driver’s license. 

Tennessee Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

You will not be eligible for non-owner SR-22 insurance in Tennessee if you have a car that you frequently drive despite the car is owned by another person. But, for those who are qualified for non-owner SR-22 insurance, state-required liability insurance will be provided regardless of the kind of car you drive. On a brighter note, non-owner SR-22 insurance holders garner cheaper rates in contrast to those under an owner’s policy. It is one way to reduce your SR-22 insurance cost in Tennessee after a violation.

Tennessee Car Insurance Rates After Common Violations

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
No Citations$1,560
At-Fault Crash at >$2,000$2,211$634
Speeding Ticket (21-25mph above limit)$2,033$463
Reckless Driving$2,411$833
Racing$2,522$957
Hit-And-Run$2,401$833
DUI/DWI$2,279$711

Types of SR-22 Endorsement in Tennessee

Auto Owner Policy

This policy provides full coverage or liability for your car that is registered under your name. You can also add on a few comprehensive policies such as uninsured motorist, underinsured motorist, medical coverage, rental and towing coverage, and other premiums depending on the company you chose.

Non-Owner Policy

The non-owner policy may not be as comprehensive and secure as auto owner policyholders but it sure is cheaper. However, the coverage you are only entitled to purchase is the minimum liability coverage.

Motorcycle SR-22 Insurance

Motorcycle SR-22 Insurance is a standard motorcycle insurance policy for drivers under SR-22.

Filing a Georgia SR-22 Insurance for Insured Drivers

Filing a Tennessee SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Tennessee, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing a Tennessee SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above. 

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision.

The bottom line is, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Tennessee, which, relatively, the best way to keep your car insurance rate on the average level.

Tennessee SR-22 Insurance FAQs

  • How much is the monthly SR-22 insurance rate in Tennessee?

    The monthly rate for high-risk drivers in Tennessee is around $430.

  • How long will my SR-22 insurance affect my car insurance rates in Tennessee?

    Your penalty typically relies on the transgression of your driving behavior. Thus, it could be shorter or longer depending on your performance. However, it takes up to three years to revoke SR-22 insurance.

  • How much is the yearly Tennessee SR-22 insurance rate?

    If you are under SR-22 insurance rate in Tennessee is around $2,100 on top of your standard rate. 



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