SR22 Insurance Tennessee: Everything Driver Must Know

By Randy Luton | Last Updated: 11/24/2023

If you’re a Tennessee resident looking to navigate the complexities of SR 22 insurance, you’ve come to the right place. SR-22 insurance, often referred to as SR 22 Tennessee, is a topic that can baffle even the savviest insurance consumers. In this comprehensive guide, we’ll unravel the complexity of SR-22 insurance in the Volunteer State, answering key questions along the way. From its requirements and cost to non-owner options and reputable providers, we’ve got you covered.

What is SR22 insurance in Tennessee?

SR 22 insurance, sometimes referred to as SR-22 certificate or SR-22 bond, is a specific type of insurance required by the state of Tennessee. It’s not your typical auto insurance policy but rather a certificate that proves you have the minimum required liability coverage. SR 22 is mandated for individuals who have been involved in certain driving incidents that raise concerns about their financial responsibility.

Who requires SR22 insurance in Tennessee?

Several circumstances can lead to the requirement of SR22 insurance Tennessee:

  • DUI or DWI convictions: If you’ve been convicted of driving under the influence or driving while intoxicated, you’ll likely need SR 22 insurance to reinstate your driving privileges.
  • Multiple traffic violations: Accumulating a series of serious traffic offenses within a short time frame may trigger the need for SR 22 insurance.
  • At-fault accidents without insurance: If you cause an accident while driving without insurance and are found at fault, you may be required to obtain SR-22 coverage.
  • Suspended or revoked license: Individuals whose driver’s licenses have been suspended or revoked often need SR-22 insurance to have their licenses reinstated.

What are the SR-22 insurance requirements in Tennessee?

To obtain an SR22 certificate in Tennessee, you must meet specific insurance requirements mandated by the state. Tennessee requires a minimum liability coverage of 25/50/15 Therefore, you must have at least

  • $25,000 in bodily injury coverage per person,
  • $50,000 in bodily injury coverage per accident,
  • $15,000 in property damage coverage.

How much is SR-22 insurance in Tennessee?

If you find yourself in need of filing an SR-22 due to a DUI on your driving record in Tennessee, be prepared for insurance adjustments. The average cost for minimum coverage is around $667 annually, escalating to $1,606 for full coverage. SR-22 filing may also be necessary for other violations like at-fault accidents or speeding, and repeated infractions may trigger this requirement.

Understandably, insurance premiums rise as driving offenses label you a high risk driver. Prioritize responsible driving to maintain reasonable insurance costs and a clean record.

Which Companies Offer SR22 Insurance in Tennessee?

Finding an insurance provider that offers SR22 insurance in Tennessee is crucial. Some well-known car insurance companies in Tennessee offer insurance; some of them are

However, it’s essential to compare quotes and policies to ensure you get the best deal.

How long do i have to keep SR 22 insurance Tennessee?

In Tennessee, the duration for needing an SR-22 typically ranges from three to five years, contingent on any additional violations. Adhering to this requirement is vital for maintaining legal compliance and road safety.

What Is non-owner SR22 insurance in Tennessee?

Non-Owner SR22 insurance is a unique type of coverage designed for individuals who do not own a vehicle but still require it to meet the state’s auto insurance requirements. This non-owner insurance policy offers liability coverage when you borrow or rent a car. This can be a viable option if you’ve had your driver’s license suspended but still need to drive occasionally. This policy is best for them.

What is the cost of non-owner SR-22 insurance in Tennessee?

In Tennessee, car insurance averages $30 monthly, notably below the national $43 average. Although location influences rates, factors like age, driving history, coverage, and vehicle type wield greater impact. To gauge costs and coverage effectively, consider these variables.
Prioritize understanding your unique needs. Choose coverage wisely for optimal protection. Remember, a well-informed decision is key to securing both your vehicle and financial well-being.

How to get SR22 in Tennessee

Obtaining SR-22 insurance in Tennessee can be a straightforward process if you follow these steps:

  • Determine Your Eligibility: Ensure you meet the criteria for requiring SR 22 insurance in Tennessee.
  • Contact an Authorized Insurance Provider: Reach out to a licensed auto insurance company in Tennessee that offers SR 22 coverage.
  • Request an SR22 Filing: Inform the insurance provider of your need for SR-22 insurance, and they will file the necessary documents with the state on your behalf.
  • The premium must be paid: SR22 insurance premiums must be paid. The cost may vary based on your circumstances and the chosen coverage.
  • Receive Your SR22 Certificate: After filing, you will receive an SR-22 certificate as proof of coverage.
  • Maintain Continuous Coverage: Keep your SR-22 insurance for the mandated duration without any lapses.

In conclusion, SR22 insurance Tennessee may seem complex, but it’s essentially a certificate of financial responsibility that some drivers are required to obtain. Understanding the requirements, costs, and available options is essential for those who find themselves in need of this unique insurance coverage. By staying informed and comparing quotes, you can ensure that you meet the state’s requirements while minimizing the impact on your wallet.

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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.